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Sick pay

Sick pay insurance – protect your income

Anyone off sick for a longer period loses income. Sick pay insurance steps in exactly when it matters.

Start free PHI Check
5.0 / 5 · 10 reviews · English-speaking
Doctor consultation in a private German clinic

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.

Who needs it?

  • Employees from day 43 of illness (after continued pay ends)
  • Self-employed and freelancers from the chosen waiting day
The 2-Minute PHI Check

Find Out in 2 Minutes If Private Health Insurance Fits You

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

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

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