Tariff switch
PHI tariff switch – lower premium, same benefits
Stay with your insurer and move to a cheaper tariff – under § 204 VVG. We'll check the savings potential in your contract.
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.
Not sure if PHI fits your situation?
Take the free 2-minute PHI Check — independent, non-binding and in English.
Your right under § 204 VVG
By law you may switch to any other tariff within your existing insurer. Your ageing reserves are preserved.
What we check
- Alternative tariffs at your current insurer
- Benefits compared to your existing tariff
- A sensible deductible
- Premium relief in retirement
The PHI Check
Check your PHI options in 2 minutes
Free, non-binding, and reviewed personally by an independent broker.
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Happy Expats · PHI Check
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Hi! I'm your advisor at Happy Expats. Let's review your PHI situation together. 😊
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