Aarav Sharma
Software Engineer, Berlin
Insurance for
Indians in Germany.
Clear English, honest advice, no pressure.
Check your insurance status
See how we help
Takes only 2 mins
The German System
ONE mistake.
ZERO insurance payout.
Don't let a language barrier risk your hard-earned money and your legal stay in Germany.
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How We Help
We handle the German parts so you can focus on your life.
Everything your employer's HR department forgot to tell you, in English or Hindi, while we handle the German side.
- All paperwork and insurer calls handled in German on your behalf
- Claims supported from first letter to final payout.
- Advice in English and Hindi.
- All your German policies in English via our smart app
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Priya Nair
Data Scientist, Munich
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Rohan Mehta
Product Manager, Hamburg
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Aarav Sharma
Software Engineer, Berlin
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Priya Nair
Data Scientist, Munich
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Rohan Mehta
Product Manager, Hamburg
Your insurance journey in Germany
Build the cover that fits your life in Germany.
Start with what matters now, then add the right protection as your life in Germany becomes more settled.
New in Germany
Are you established and building a family in Germany?
A quick checklist for the next step in your life in Germany.
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Step 1 · Foundation
Public health insurance (GKV)
Make sure your health insurance still fits your income, age, and family situation.
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Step 2 · Protection
Liability insurance (Haftpflicht)
A small monthly cost that can protect you from expensive everyday damage claims.
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Step 3 · Family
Legal insurance (Rechtsschutzversicherung)
Protects you in disputes with landlords, employers, or contracts.
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Step 4 · Home
Everything Else (Household, Disability, Pension)
Household insurance, disability cover, and pension planning can wait until you're settled. We'll guide you when the time is right.
Settling in
Are you established and have a family here?
Once the basics are in place, build out the cover that protects your income, your home and your day-to-day life in Germany.
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Step 1 · Month 1–3
Household contents (Hausrat)
Covers your belongings against fire, water damage, burglary and storm. Worth setting up once your apartment is furnished, especially if you have electronics or a bike.
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Step 2 · Protect your income
Disability cover (Berufsunfähigkeit)
Replaces a large share of your salary if illness or injury stops you from working. Cheaper the younger and healthier you are, so worth locking in early.
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Step 3 · Review
GKV vs PKV review (Krankenversicherung)
If your income or status has shifted (new role, freelance, family), the public vs private decision should be revisited. The wrong call here is expensive to undo.
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Step 4 · Family
Term life insurance (Risikolebensversicherung)
Pays an agreed lump sum to your family if you die during the term, so a mortgage or relatives back home are not left depending on your income.
Long-term
Have you been here for more than 3 years?
Once you're settled in for the long run, the bigger questions come into focus: retirement, family, property and how it all fits together.
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Step 1 · Foundation
Pension setup (Altersvorsorge (Riester · Rürup · privat))
The German state pension alone rarely matches the lifestyle you're building. We compare Riester, Rürup and private options against your tax situation and time horizon.
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Step 2 · Grow
Investment planning (Vermögensaufbau)
Once the essentials are covered, we help you put surplus income to work through funds and tax-efficient wrappers that match your goals and how long you plan to stay.
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Step 3 · Property
Property insurance (Wohngebäudeversicherung)
Required by most German lenders when you buy. Covers the building itself against fire, water and storm damage. Pairs with your existing Hausrat for full protection.
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Step 4 · Invest
Real estate investment (Immobilieninvestment)
Buying property in Germany as an expat raises questions on financing and tax, and on what happens if you later move back to India. We help you weigh the numbers before you commit.
Included in our free service
These policies can be managed by us at no extra cost.
If you want, we include ongoing support for these policies in our free service and confirm it clearly in our broker agreement.
View sample broker agreement See what's included in our service
- Contract review included
- German paperwork handled
- Support when your life changes
Get my personal checklist reviewed
Free, no signup needed
What Indian professionals in Germany say
A person reads
every message you send.
We talk with you in plain English or Hindi, and with your insurer in formal German, so nothing gets lost in translation.
Every contract sits with one advisor who knows your name, your situation, and what you asked last time.
Martin & Firat The people behind your first call.
NEOdirect was founded in 2022 by Martin and Firat to give Indian expats honest, personal advice in a language they understand.
Our Specialists Trained experts for every German insurance & investment topic
We specialise in:
- Private & Public Health insurance
- Term Life & Retirement planning
- Income protection – Disability (BU)
- Real Estate & Investment Strategy.
With a guide vs. on your own
What changes when
you have someone on your side?
A side-by-side look at what's easier when someone already knows the German system.
| On your own | With NEOdirect | |
|---|---|---|
| Time investment | Hours of research | We handle the heavy lifting |
| Expert advice | No guidance | Licensed broker team |
| Language Why it matters most | Mostly German paperwork | English or Hindi support, German handled for you |
| Claims support | Call centers in German | Personal ongoing support |
| Cost | Risk of expensive mistakes | Free consultation to start |
Simplr App · Powered by NEOdirect
Keep all your German insurance contracts in one place.
Track your policies, renewal dates, and important documents in one simple app — with NEOdirect handling the German side for you.
- Documents translated to English
- One-click claim reporting
- Automatic renewal reminders
FAQ
Questions Indian
expats ask us most.
Need a question answered? Send it on WhatsApp and we’ll reply directly.
Our Orientation service is completely free. For our Planning and Long-term Guidance services, there is a small monthly fee. The insurance policies themselves cost the same whether you buy through us or directly. Our broker commission is already included in every policy price.
We translate the system, the contracts, and the insurer communication so you can make decisions on your own terms instead of guessing your way through German paperwork.
We speak English & Hindi, compare 50+ insurers across the market, handle all German paperwork, and support you with claims, at no extra cost for the insurance itself.
Yes. Health insurance is mandatory by law. Liability insurance is strongly recommended, even a small accident can cost you thousands. Legal insurance protects you in disputes with landlords or employers. We help you understand exactly what you need based on your situation.
We review your existing contracts, explain what you have in plain English, and tell you whether the cover still fits your situation. You are under no obligation to change anything.
Yes! Our team speaks English and Hindi. We communicate with you in the language you’re most comfortable with, and handle all German communication with insurance companies on your behalf.
Yes. Health insurance (Krankenversicherung) is mandatory for every person living in Germany, including Indian nationals. You cannot obtain a residence permit without proof of insurance. Most employed Indians earning under €77,400/year are automatically enrolled in public health insurance (GKV) through their employer. Above this threshold, or if self-employed, you may choose private health insurance (PKV).
GKV is Germany’s public health insurance, mandatory for employees earning under ~€77,400/year. It covers your spouse and children for free, and your contribution is split with your employer. PKV is private health insurance, which offers faster specialist access and broader coverage, but each family member requires a separate policy. For most Indian IT employees and students, GKV is the correct starting point, since switching back from PKV to GKV is very difficult once you opt out.
No. Indian health insurance policies are not accepted by German authorities as valid coverage for residence permit applications. You need German-recognized insurance, which means either GKV, PKV, or an approved international health insurance provider. For short Schengen visits (under 90 days), Indian travel insurance covering at least €30,000 may be accepted, but it is not valid for residence.
Yes, it is strongly recommended and many landlords require it. In Germany, you are personally liable for all damage you accidentally cause to others, so losing a landlord’s keys can cost €2,000+, and a cycling accident that injures someone can result in claims exceeding €100,000. Haftpflichtversicherung costs as little as €5/month and typically covers up to €50 million in damages, which makes it one of the first things to arrange on arrival.
It is extremely difficult once you have opted out of GKV. The only paths back are: (1) your income drops permanently below €77,400/year, (2) you become unemployed, or (3) you reach age 55+ with a specific employment change. This is why the PKV decision requires careful long-term planning before opting out.
Book a free 30-minute call with a specialist
No German required. Bring your questions, we'll explain your options clearly and tell you what to do next.
No pressure. No obligation.