Guides
Health insurance abroad: all guides by life situation
Here you will find all Insurance4Expats guides. Pick the life situation that fits you. Each page sorts the questions you should clarify before a decision.
Before the move
Expat health insurance when you move abroad from Germany
Expat health insurance when you leave Germany: which cover you need, what happens to your German policy and how to keep the way back open. With sources.
Read →Health insurance when emigrating
Where to start with health insurance when emigrating: three questions about your situation, four coordinates and a roadmap in five steps. With sources.
Read →
International health insurance for expats
Country of residence, area of cover, deductible, way back: how to assess international health insurance before moving. Questions for your first call.
Read →
Emigrating
Travel, international or local health insurance: how they differ and which type of cover fits your situation. With starter questions.
Read →
What influences the costs of international health insurance?
What affects the premium of international health insurance? Country of residence, area of cover, benefits, deductible, people. Explained, no teaser price.
Read →
Questions before the move
Is travel insurance enough, before or after the move, health questions on the application: eight answers with sources and last-updated date.
Read →
Buy through a broker or directly from the insurer?
Broker, tied agent or buying direct: who represents whom, what German law requires and how to decide on international health insurance. With sources.
Read →
Your cover in Germany
German private health insurance (PKV) when emigrating
Privately insured and heading abroad? Which questions on cancellation, Anwartschaft and return you should clarify before you take the step.
Read →
PKV when leaving Germany
Where your German PKV applies abroad, what happens to Alterungsrückstellungen and whether an Anwartschaft pays off: answers on private health insurance.
Read →
Return to Germany
Back to Germany: how to plan your health insurance before moving abroad so that a return stays open. With sources and last-updated date.
Read →
Life situations and already abroad
Moving abroad as a family
Moving abroad with children: how you plan health insurance for everyone together. Paediatrician, pregnancy, visits home, further moves.
Read →
Health insurance for the self-employed and digital nomads abroad
Self-employed abroad or travelling as a digital nomad: which rules apply, what happens to your German insurance and what to clarify first. With sources.
Read →
Health insurance when you retire abroad
Retiring abroad with a German pension: when you stay in German statutory health insurance, what the S1 form means and when your cover ends. With sources.
Read →
Your existing international health insurance
Already insured internationally? When a second look is worthwhile, what to prepare and what a broker mandate means. No pressure to switch.
Read →
Health insurance for expats in Dubai
Expat health insurance in Dubai: what your residence visa requires, what the employer pays, what drives the cost of family and travel cover, and when to act.
Read →
Companies and secondment
Global Mobility
For HR, People and Mobility: prepare health cover for secondment, international hiring and mobile teams in a structured way. With discovery checklist.
Read →
Health insurance for secondment
Sending employees abroad: which health insurance questions HR clarifies in advance. Persons, countries, period, family members, responsibilities.
Read →
By destination
Service
Free roadmap for your move · Moving checklist · Frequently asked questions
The guides are written by Tassilo Peter Seitz, advising for Verus Vorsorge GmbH (insurance broker licensed under § 34d (1) GewO). They provide general information and do not replace individual advice.
First consultation
Ready for your plan?
In the free first consultation we sort out your situation: destination, family, current contract, way back. Only then do we talk about plans. By video or phone, in English or German.
Opens the Calendly calendar (USA) in a new tab. Only then is data transferred to Calendly. WhatsApp opens in a new window; only then is data transferred to WhatsApp (Meta). Prefer email? service@verus-vorsorge.de. Please do not send health information by email. We discuss it in the call.
Or write briefly
Your situation in 3 answers.
No appointment needed: we reply by email within 24 hours (Mon–Fri). No newsletter, no obligation.