Insurance checklist for Germans abroad

Understand your risks abroad

Moving abroad comes with many challenges, and insurance is no exception. It is essential to understand the risks that can arise when you live and work in another country. I am Sebastian Krüger from Havel Spree Finanz - Your Insurance expert for expats, and I support you along the way so you can be well protected.

Health insurance  the essential protection

Health insurance should be your top priority when relocating abroad. Depending on your host country, make sure you have either international private health insurance or a local policy that is valid there. I help you find the right level of protection for your needs.

Protecting your income

If you are a freelancer, your income is your most important asset. Think about how you can protect it if the unexpected happens, because one incident can quickly put your finances under pressure. Disability income insurance or occupational disability cover can be extremely valuable, and I support you in identifying the right options for your situation.

Personal liability insurance  a must for all expats

Wherever you live, personal liability insurance can cover damages you accidentally cause to third parties. Make sure your policy is valid internationally, so you do not face gaps when you move or travel. Together, we find a solution that gives you the protection you need.

Retirement planning  plan for the future

Well-structured retirement planning is important if you want to enjoy a worry-free life in retirement. There are many ways to save and build long-term security even while living abroad. I guide you through the options and develop a plan with you that fits your goals and financial possibilities.

Returning to Germany  what you need to know

Returning to Germany can be confusing when it comes to insurance. The rules often differ significantly from what you may be used to abroad, and timing matters. I help you take the necessary steps so you can transition smoothly back into the German insurance system.

Lets review your insurance situation together and make smart decisions, so you can enjoy your time abroad without worries. Contact me for individual advice and a personal consultation.