We understand the unique challenges of moving to and living in Germany. Our small, independent advisory team helps expats, employees and freelancers navigate German private health insurance — in plain English, fully digital, worldwide.
Independent, English-speaking advice from a small team of specialists — every recommendation is discussed with a real human expert.
Founder & Managing Director
Tina founded Happy Expats to give internationals in Germany independent, jargon-free advice on private health insurance. As a licensed broker under § 34d GewO she is legally bound to work in the client's interest.
International Health Insurance Advisor
Joachim advises expats, freelancers and employees on German private health insurance. His focus is making the German system understandable in plain English and finding the tariff that genuinely fits each client's life in Germany.
Every great journey starts somewhere.
Meet Happy — your digital guide.
Making German private health insurance easier.
Every recommendation is reviewed by a real advisor.
A clear, step-by-step process — fully digital, entirely tailored to you, and backed by long-term personal support.
We start with a free video or phone call to understand your situation — visa, employment, family and medical background — before recommending anything.
We compare 40+ German PHI insurers and put together a plan built around your budget, medical needs and long-term life in Germany — not around insurer commissions.
Everything happens digitally: video meetings, e-signatures and secure document handling. You can work with us from anywhere in the world.
Once you're insured we stay by your side — for § 204 tariff switches, premium relief, family additions and questions in retirement.
Independent, transparent, expert-reviewed — the foundation of every recommendation we make.
Based on 11 Google reviews
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.
I have been working with Ms. Fröhlich for several years and I am extremely satisfied. As an outstanding insurance broker, she finds excellent tariffs, and communicating with her makes dealing with insurance genuinely pleasant. Her expertise across all insurance topics makes her an incredibly reliable specialist. I consider myself lucky to have such a competent insurance broker by my side and can recommend her to anyone without reservation.
Nobody enjoys dealing with the topic of insurance. With Ms. Fröhlich by my side that has changed: perfect advice tailored individually to me, always reliable — without ever building any pressure. On top of that, Ms. Fröhlich works in an extremely service-oriented way. Compared to online services, she offers real added value. In short: I'm thrilled. Thank you so much!
Some client reviews have been translated from German into English for better readability. The original reviews are available on our Google Business Profile.
Independent, English-speaking advice on German private health insurance — digital worldwide. Free and non-binding first consultation.
