About us

Meet our team

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.

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The advisory team

Real advisors. Real expertise.

Independent, English-speaking advice from a small team of specialists — every recommendation is discussed with a real human expert.

Tina Fröhlich – Founder & Managing Director at Happy Expats

Tina Fröhlich

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.

  • Private Health Insurance (PKV) for expats
  • PKV vs. GKV strategy for high earners
  • § 204 VVG PHI tariff switches
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Joachim Wiedmann – International Health Insurance Advisor at Happy Expats

Joachim Wiedmann

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.

  • PHI onboarding for new arrivals in Germany
  • Visa-related insurance (Blue Card, freelance, family)
  • Comparison across 40+ German PHI insurers
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How we work

Your path to getting started

A clear, step-by-step process — fully digital, entirely tailored to you, and backed by long-term personal support.

  1. 1

    Tailored & free consultation

    We start with a free video or phone call to understand your situation — visa, employment, family and medical background — before recommending anything.

  2. 2

    An individual plan

    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.

  3. 3

    Fully digital access

    Everything happens digitally: video meetings, e-signatures and secure document handling. You can work with us from anywhere in the world.

  4. 4

    Long-term personal support

    Once you're insured we stay by your side — for § 204 tariff switches, premium relief, family additions and questions in retirement.

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
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Leo F.

Seit einigen Jahren arbeite ich äußerst zufrieden mit Frau Fröhlich zusammen. Als hervorragende Versicherungsmaklerin findet sie ausgezeichnete Tarife, und die Kommunikation mit ihr gestaltet das Thema Versicherung äußerst angenehm. Ihre Kompetenz in sämtlichen Versicherungsthemen macht sie zu einer enorm zuverlässigen Expertin. Ich schätze mich glücklich, eine so kompetente Versicherungsmaklerin an meiner Seite zu haben und kann sie jedem uneingeschränkt weiterempfehlen.

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Emanuel S.

Niemand beschäftigt sich gern mit dem Thema Versicherung. Mit Frau Fröhlich an meiner Seite hat sich das geändert: Perfekte Beratung, die individuell auf mich eingegangen ist, die stets verbindlich war - ohne jeglichen Druck aufzubauen. Bei alldem arbeitet Frau Fröhlich extrem serviceorientiert. Sie bietet im Vergleich zu Onlinediensten einen echten Mehrwert. Kurzum: Ich bin begeistert. Vielen lieben Dank!

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B.

Frau Fröhlich ist eine freundliche und kompetente Beraterin. Sie konnte uns auf allen Ebenen abholen. Wir empfehlen sie vom Herzen weiter.

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Independent, English-speaking advice on German private health insurance — digital worldwide. Free and non-binding first consultation.

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