Premium relief

Premium relief tariff – plan retirement with ease

Lay the foundation today for a lower PHI premium once you retire. We'll show you what level of relief is realistic.

5.0 / 5 · 10 reviews · English-speaking

Independently reviewed

Over 40 PHI tariffs compared

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.

Not sure if PHI fits your situation?

Take the free 2-minute PHI Check — independent, non-binding and in English.

You pay an additional contribution today which is set aside and earns interest. From a defined age it significantly reduces your monthly premium.

The 2-Minute PHI Check

Free, independent, and fully in English. See your options with no strings attached.

Happy

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Hi! I'm Happy — I'll help you cut through the German health insurance confusion in just 2 minutes. 😊

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