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Health insurance

Arthur prepares. Real brokers decide with you.

Private, statutory or international cover: Arthur collects your details and fills in every form. The licensed team at Kanzlei PKV Expertise reviews, advises and implements, personally and by name.

+49 30 24379321

Who does what

Arthur

Coordination and paperwork

  • Asks the right questions in your language
  • Fills in the broker's intake completely
  • Keeps deadlines and documents in My move
  • Passes your file on only with your mandate

What we take care of

Health cover for moving to Germany

Health cover is compulsory in Germany. Visa and arrival need accepted cover, followed by the right move into statutory or private insurance.

Arthur: Clarifies residence route, start date and employment
Broker team: Reviews the options and obtains quotes

Source: § 193 VVG – Versicherungspflicht

Private health tariff optimisation (§ 204 VVG)

Switch to a cheaper or better tariff with your own insurer, without cancelling and with your ageing reserves credited. The law sets no age limit for this right.

Arthur: Collects insurer, tariff, insured-since date and goal
Broker team: Short report, offer and implementation until the new policy arrives

Source: § 204 VVG – Tarifwechsel

Private cover for employees

Employees earning above the annual earnings ceiling may choose private cover. The employer pays a contribution subsidy.

Arthur: Collects income, family and benefit priorities
Broker team: Compares tariffs and accompanies the application

Source: § 6 SGB V – Versicherungsfreiheit

Self-employed and freelancers

Deductible, sickness daily allowance and premiums in later life must fit the work, especially when founding a company or working internationally.

Arthur: Collects activity, company seat and income variation
Broker team: Recommends components and submits

Source: § 193 VVG – Versicherungspflicht

Leaving Germany with private cover

Before leaving Germany, check whether a dormant policy secures your health status and reserves for a later return.

Arthur: Collects destination, duration and return plans
Broker team: Clarifies the options with the insurer

Source: PKV Expertise – FAQ

International health insurance with PassportCard

For life across several countries, Patrick Tschorsch recommends and arranges PassportCard: worldwide cover with or without the USA, payment by prepaid card without paying upfront, and emergency help in German and English.

Arthur: Collects countries, USA need, age and family and matches the three plans
Broker team: Obtains the PassportCard quote and accompanies the contract

Source: PassportCard Europe

International cover · partner

Worldwide: Patrick's recommendation is PassportCard

For people living across countries, Kanzlei PKV Expertise arranges PassportCard. Arthur prepares your details, Patrick advises and obtains the quote.

  • Expat Basic: annual maximum EUR 1,000,000, insurer MGEN (Groupe VYV)
  • Expat Comprehensive: annual maximum EUR 3,500,000, insurer MGEN (Groupe VYV)
  • Executive: annual maximum EUR 5,000,000, insurer AWP Health & Life SA (Allianz Partners)
  • Zones: worldwide excluding or including the USA
  • Prepaid card: no upfront payment, no reimbursement forms
PassportCard quote

Partner content. Plan details as published by PassportCard, checked 2026-10-16: passportcard.de

Seven steps, handled by real people

  1. First conversation
  2. Free initial assessment
  3. Potential review
  4. Optimisation mandate
  5. Short report and offer (approx. 7–20 working days)
  6. Your decision
  7. Implementation until the new policy arrives

Process as published by the broker: Kanzlei PKV Expertise

> 5.000

optimisations

> 12

years of experience

2.470 €

average saving in the first year

Figures as stated by Kanzlei PKV Expertise; individual results differ. PKV Expertise – FAQ

Official sources

Give Arthur the mandate Broker information

Orientation only; advice is given by the licensed broker.