# Insurance & Pensions in Germany | Stay. Insurance and pensions in Germany ![Hero smiling icon](https://stayinsured.de/hubfs/raw_assets/219/public/@projects/stay-theme/theme/assets/homepage/hero/Smile.svg) We're an independent broker for 4,000+ international residents in Germany. Three doorways below — pick yours. ![Hero smiling icon](https://stayinsured.de/hubfs/raw_assets/219/public/@projects/stay-theme/theme/assets/homepage/hero/Smile.svg) We're an independent broker for 4,000+ international residents in Germany. Three doorways below — pick yours. Insurance and finances for life in Germany? See our services ![Hero illustration](https://stayinsured.de/hubfs/raw_assets/219/public/@projects/stay-theme/theme/assets/homepage/hero/Illustration.svg) Pick your doorway Health insurance ![](https://stayinsured.de/hubfs/lock.svg) Material insurance ![](https://stayinsured.de/hubfs/building_blocks.svg) Pension ![](https://stayinsured.de/hubfs/Group-1.svg) ### Understanding mandatory and optional insurances [Explore options](https://stayinsured.de/health-insurance?hsLang=en-gb) - ![](https://stayinsured.de/hubfs/Warning.svg) Health insurance, whether public or private, is required by law in Germany and mandatory for everyone - ![](https://stayinsured.de/hubfs/Eyes.svg) Choosing between public and private health insurance depends on your job status and income — and it affects your costs, coverage, and access to care long-term - ![](https://stayinsured.de/hubfs/CheckCircle.svg) We help you understand mandatory and optional insurances so you can choose the right coverage for your needs ### Health insurance Understanding mandatory and optional insurances ### Material insurance Understanding your material insurance options ### Pension Understanding alternative pension plans that fits you [5.0](https://www.provenexpert.com/de-de/stay-formerly-mw-expat/) ## What people say about us An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient. D Darren S. Navigating German health insurance I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free. S Sonya Freelancer I have receive a very personalized attention since the beginning with a very high professionalism. J J. Starting work in Germany All meetings and communications took place in English, hence an expat with limited German language skills can understand the process and available products/portfolios. A Anonym International speciallist Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English. V Vahid B. Newcomer to Germany Previous slide Next slide Years of experience within our multicultural advisory team 30+ New residents to Germany supported with insurance and pension solutions 4000+ Insurance providers ready to find the best fit for your needs 200+ Nationalities represented — we understand your journey 15+ Trusted by leading partners ![](https://stayinsured.de/hubfs/logo1.svg)![](https://stayinsured.de/hubfs/logo2.svg)![](https://stayinsured.de/hubfs/logo3.svg)![](https://stayinsured.de/hubfs/logo4.svg)![](https://stayinsured.de/hubfs/logo5.svg)![](https://stayinsured.de/hubfs/logo6.svg) ![health_service](https://stayinsured.de/hs-fs/hubfs/health_service.png?width=1264&height=1048&name=health_service.png) ### Insurance in Germany We guide you through public and private options based on your visa, income, and job type — to ensure you meet all legal requirements while optimizing your benefits. Discover your best-fit health plan ![pension_service](https://stayinsured.de/hs-fs/hubfs/pension_service.png?width=1264&height=1048&name=pension_service.png) ### Pension evaluation Secure your future with smart pension planning. Whether you're employed, freelancing, or self-employed, we help you understand how your German pension works. Evaluate my pension ![advisor_service](https://stayinsured.de/hs-fs/hubfs/advisor_service.png?width=1264&height=1048&name=advisor_service.png) ### Immediate advisor help Prefer not to wait? Get connected to a qualified advisor ASAP and move forward with confidence. Our team is available instantly to answer your questions. Book consultation # Clear guidance, tailored to your needs — just the best options for you. Book consultation ## Quick answers to questions you may have ### Do I need health insurance to live in Germany? ### What's the difference between public and private health insurance? ### What is the best health insurance plan in Germany? ### How do I choose the right pension plan? ### Can I take my pension if I leave Germany?