Advice, not sales pressure
If public insurance is the better fit for you, we say so. Our recommendation follows your situation — not a commission table.
Every year, thousands of international students receive their German admission letters — and then hit a wall of unfamiliar terms: GKV, PKV, M10, Versicherungsbescheinigung. Getting one of these wrong can delay a visa, block a university enrollment, or leave a student with the wrong coverage for years.
We are §34d GewO licensed insurance advisors living in Germany, and for more than five years we have specialized in exactly this niche: health insurance for international students. We've seen the process from every angle — the visa office's requirements, the university's enrollment rules, and the insurers' paperwork — and we translate all of it into clear, honest advice.
Unlike broad relocation platforms, we don't try to sell you everything. Our desk covers one topic, and covers it properly: your student health insurance, from the first consultation to the last document in your visa file.
Advice first, paperwork second. We start every case with a real consultation — your age, your program (degree, language course, preparatory studies, PhD), your timeline and your budget — before recommending public or private coverage. Once you decide, we take over the contracting, manage the M10 electronic reporting to your university, resolve any issues with insurers directly, and make sure your Versicherungsbescheinigung and related confirmations reach you in time.
Because insurance files contain sensitive personal data, all data transfer between you, insurers and institutions is handled in compliance with the GDPR — securely, transparently, and only with your consent.
If public insurance is the better fit for you, we say so. Our recommendation follows your situation — not a commission table.
Student health insurance is all we do. That focus is why we can resolve M10 and enrollment issues that generalists get stuck on.
Our job isn't finished when a contract is signed — it's finished when your university and visa office have every document they need.
Every student's situation is different — tell us yours.