Insurance matters often come down to details that might not be immediately apparent to you. As the expert at Havel Spree Finanz, I take the time to understand your individual situation—whether you've lived in Germany for a while, just arrived, or are pursuing your goals abroad. This way, you can identify potential gaps and find tailored solutions. Many of my customers are digital nomads or independent freelancers with different needs compared to conventional employees. If you frequently change residences or travel internationally, you need a flexible German worldwide insurance coverage. I explain the crucial contract terms clearly and show you how to protect yourself from unnecessary risks. With my years of experience, I anticipate emerging questions or pitfalls. I believe that with personal consultation, you make the best decisions because you can trust your own lifestyle choices, not generic solutions.

As a digital nomad, you enjoy the freedom to work from almost anywhere globally. However, this flexibility also comes with specific needs. Often, an international health insurance for digital nomads/freelancers is essential, as it should provide coverage in different countries. Professional liability for digital nomads can be crucial if you freelance for various clients and your workplace isn't fixed. Travel insurance for creatives or freelancers aids occasional projects in other countries, ensuring you're well-protected in case of illness or accident. I work with you to identify any potential gaps and which insurance options best support your digital lifestyle. Then develop a clear guideline to protect you from significant financial risks while maintaining your independence.

Many of my clients lead lives spread across borders, whether for professional projects, family matters, or creative endeavors. If you regularly change your domicile, the question arises of how your insurance coverage for Germans worldwide can remain stable. I suggest a combination of basic and country-specific policies to ensure comprehensive coverage. For instance, health insurance for Germans abroad may be necessary if you live outside Germany for extended periods. If you have a permanent residence in Germany but work a lot abroad, international health and liability configurations might be suitable. The challenge is to consider different countries' regulations so that you're neither over- nor underinsured. I verify which conditions apply to you, for instance, if you move to a non-EU country, ensuring the contracts are flexible enough to adapt to future changes. This way, your protection remains valid long-term without needing to start anew each time.

Thinking of relocating your life to another country means considering emigrant pension insurance early on. Not every pension agreement made in Germany transfers smoothly abroad. I first evaluate the country you're moving to, the bilateral agreements in place, and how they affect your contribution periods. Then I assess whether it makes more sense to keep an existing policy or if other options, like private pension models, are more attractive. Some emigration destinations offer special incentives or tax benefits. At the same time, you should consider that certain benefits taken for granted in Germany might be limited abroad. I understand that planning your retirement is a sensitive issue, and I take the time to explain different options, ensuring solutions secure your standard of living beyond country boundaries. Ultimately, it's about having peace and financial stability, no matter where you live later on.

Organizing events globally can bring unexpected surprises: sudden weather changes, unforeseen delivery delays, or legal specifics in foreign countries. Here, stable protection is essential. I ensure that insurance for global event organizers covers not only classic liability but also unique risks. Often, an event insurance for cultural projects is recommended to mitigate financial losses from event cancellations or damages to rented venues. A travel insurance for creatives can be wise when your teams cross borders. It's crucial to stay mindful of regulations and permits while ensuring contract clarity in multiple languages. I help you identify the most prevalent risks and how they can be strategically insured. Whether in Berlin, Buenos Aires, or Bangkok—you should focus on your event without risking financial setbacks in emergencies. This way, you can unleash your creativity and provide an unforgettable experience for your guests.

You might spend hours or days working on a piece you want to present in galleries, at fairs, or your exhibitions. Various things need consideration: liability insurance for art exhibitions protects you if visitors accidentally cause damage or get injured. If you require broader protection, bundled insurances for exhibitions and events may be worth considering. They ensure temporary installations, transport routes, and dismantling are comprehensively insured. If you operate globally, I support you with insurance for international artists, ensuring cross-border safety. Your artworks' significance and the emotional and financial values involved are understood. Therefore, step-by-step, I review potential risks with you and how we can minimize them. Solutions give you peace of mind to focus on your creative work without worrying about unexpected incidents that might happen.

When you arrive in Germany, many questions arise: Who covers medical treatments? Which medical services are covered, and what are the differences between public and private policies? Here, a well-structured health insurance for expats in Germany is crucial. Not every policy from your home country is recognized in Germany. I explain the options available in the local healthcare system and the requirements you need to meet. Moreover, I check if you can choose a private or public policy or if a temporary solution is advisable. If you're only staying in Germany for a limited time, it affects what insurances you're eligible to sign. I'll show you what to watch for, such as pre-existing conditions or deductibles. My goal is to inform you optimally, ensuring you feel secure if you require medical assistance, enabling you to enjoy your daily life in Germany stress-free.

Life does not always go as planned, and an unexpected illness or accident can drastically impact your ability to work. Hence, a disability insurance for EU and non-EU citizens is often sensible if you live or work in Germany. However, eligibility requirements vary based on your country of origin and the duration of your stay. Especially if your profession is creative or physically demanding, this protection can become invaluable. I explain the necessary documentation and what to consider in the insurance terms. A thorough health assessment is typically included to evaluate the risk and determine fair conditions for you. If you live here temporarily, an international variant that remains valid after you return might be advisable. I emphasize understanding key terms and clauses, ensuring that you’re comprehensively protected and able to maintain your standard of living should the need arise.

I understand many of my clients are globally dispersed and may not be able to appear in person in Berlin. That's why I offer flexible consultation options, such as video calls or phone, enabling you to clarify your insurance questions without needing to travel. I send digital documents and guide you step-by-step through all crucial details. Whether it's an international freelancer insurance or expatriate health insurance in Germany, you receive a comprehensive overview of your options. Following the consultation, I create a clear concept, which you can conveniently review digitally. You can then complete the contract digitally. Modern tools offer a secure signature, so you're not reliant on in-person appointments. Of course, I also offer traditional mail services if you prefer paper. My aim is to demonstrate that distance doesn't have to be an obstacle to receiving top-notch advice.

Experience shows that life plans change faster today than in the past. Maybe you discover a new career opportunity abroad, become a freelancer for international projects, or return to your home country. In all these cases, I prioritize evaluating if your insurance situation can be adjusted accordingly. I examine if you need a global digital nomad health insurance or if you should add additional components as a remote worker. Also, for artists working on projects in other countries, risks can shift. Together, I tackle this with you, learning your new situation, and adjust the concept to ensure you can approach your life worry-free. This way, you're not stuck with outdated policies but are well-prepared for every step. I ensure that you can rely on my support now and in the future—no matter where life takes you.