Hanan C.
As an international student, navigating the health insurance requirements can be confusing, but their team made the entire process smooth and stress-free. They were always responsive, professional, and willing to answer my questions.
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Independent PHI advice · English-speaking
Happy Expats — English-Speaking PHI Broker in Germany
Independent, English-speaking advice on German private health insurance (PHI) for expats, freelancers, employees and visa applicants. Compare 40+ insurers. Free PHI Check in 2 minutes — digital worldwide.
5.0 / 5 · 10 reviews · English-speaking
Independent advice
No ties to any insurer.
Personal contact
One advisor – start to finish.
Digital worldwide
Video or phone consultation.
Switch or new policy
We guide you the entire way.
Client reviews
5/ 5
11 reviews
Rated 5.0 / 5 on Google
Some client reviews have been translated from German into English for better readability. The original reviews are available on our Google Business Profile.
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Consultation exclusively by video or phone – flexible, efficient and available worldwide.
Trust & credibility
Why clients choose Happy Expats
Independent, transparent, expert-reviewed — the foundation of every recommendation we make.
- Dedicated advisors — Tina Fröhlich & Joachim Wiedmann
- Independent insurance broker (§ 34d GewO)
- Expert-reviewed recommendations
- Comparison of 40+ leading German PHI insurers
- English-speaking consultations
- Dedicated support for international clients
- Digital consultations worldwide
- Excellent Google reviews · 5.0 / 5
Expats in Germany
Private health insurance in Germany — FAQ for expats
Everything internationals, freelancers and visa applicants ask us about German private health insurance — answered by an English-speaking, independent advisor.
Is private health insurance accepted for a German visa?+
Yes. Private health insurance can be accepted for many visa types if it meets the requirements of the German authorities. We help you find a suitable solution.
Can I get private health insurance before arriving in Germany?+
Yes. Depending on your situation, coverage can often be arranged before your arrival.
Is the consultation really independent?+
Yes. As an insurance broker, we are legally obligated to act in your best interest and compare multiple insurers.
How much does the consultation cost?+
Our initial consultation and PHI Check are completely free and non-binding.
Who can benefit from private health insurance?+
Employees above the income threshold, self-employed professionals, freelancers, civil servants and certain international students may benefit from private health insurance.
Can freelancers and digital nomads get private health insurance in Germany?+
In many cases, yes. Eligibility depends on your residence status, profession and income situation.
What happens if I leave Germany in the future?+
Depending on the insurer and your destination country, different options may be available. We help you understand the implications before you decide.
Can my spouse and children also be insured?+
Yes. Family members can usually be insured separately with individual coverage tailored to their needs.
What if I have pre-existing medical conditions?+
Many medical conditions are still insurable. We can perform an anonymous pre-check with insurers before submitting an application.
Can I switch from public health insurance to private health insurance?+
Depending on your employment status and income, a switch may be possible. We assess your eligibility individually.
Do I need to speak German to get private health insurance?+
No. We provide consultations and support in English and guide you through the entire process.
How does the PHI Check work?+
Answer a few short questions online and we will review your situation before recommending the most suitable next steps.
Still have questions?
Book a free, non-binding consultation with an English-speaking advisor.