Health Insurance Expert: Nina Feddersen

Neodirect Insurance Broker is an expert in health insurance for expats in Hamburg and is here to help you with your needs. We strive to provide a personalized and digital experience, focusing on your desires and goals.


We offer assistance with health insurance for expats.

At Insurance Broker Hamburg, our work is defined by the qualities of personality, competence, and reliability.

1. Free consulting in English

Expanding borders, connecting worlds – we offer professional insurance consulting in English to cater to our international clients. Whether you're an expat or a global business, our expert team provides clear, comprehensive advice tailored to your unique needs. Let us guide you through the complexities of insurance, ensuring peace of mind wherever you are."


2. We Take Care of Your Application

Your peace of mind is our priority. With our 'We Take Care of Your Insurances' service, we handle all aspects of your insurance policies so you don't have to. From paperwork to claims and adjustments, our dedicated team ensures that your coverage meets your evolving needs. Trust us to manage your insurances, so you can focus on what matters most."


3. Assistance in Selection

Choosing the right insurance can be overwhelming. That's where we come in. Our 'Assistance in Selection' service is designed to simplify the process, helping you make informed decisions with confidence. We compare, analyze, and recommend the best options based on your specific requirements. Let us help you navigate the options to find the perfect fit for your insurance needs.



Compare 36 private health insurance options

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Gothaer_1 Hanse Merkur_1 Inter_1 hallesche Arag concordia DKV_1

Key Points about Private Health Insurance (PKV) and Contrasts with Public Health Insurance (GKV)

Private Health Insurance (PKV) is a type of health insurance where policyholders privately protect themselves against medical costs. In contrast, there is Public Health Insurance (GKV) available as an alternative option.


Premiums in private health insurance (PKV) are determined by individual health conditions and the selected coverage level. There are various plans offering different benefits. On the other hand, contributions to public health insurance (GKV) are income-dependent, with employees and employers sharing the payment responsibilities.

icons8-protection-64 (5) Eligibility Requirements

Der Zugang zur PKV steht nur bestimmten Personengruppen offen. Darunter fallen: Arbeitnehmer(innen) mit mind. 69.300 € Jahres-Bruttoeinkommen, Selbstständige, Freiberufler(innen), Beamte/Beamtinnen, Studenten/Studentinnen, Kinder und nicht versicherungspflichtigen Erwerbslose. Die GKV ist für alle in Deutschland ansässigen Bürger verpflichtend, deren Einkommen unter 69.300 € Jahres-Bruttoeinkommen liegt.

icons8-health-insurance-64 (2) Scope of Coverage

The scope of coverage in private health insurance (PKV) is customizable, allowing policyholders to select from a variety of plans with different benefits. In contrast, the services provided by public health insurance (GKV) are set by law and are uniform for all insured individuals. However, there is the option to enhance coverage by obtaining additional private supplementary insurances.


icons8-document-64 (2)-1 Cost Coverage

Privately insured individuals initially pay for their medical expenses out of pocket and then submit the bills to their insurance company, which covers a portion or all of the costs depending on the chosen plan. In public health insurance, the costs are directly settled between the service provider (doctor, hospital, etc.) and the health insurance fund.

It is crucial to note that the decision between PKV and GKV depends on individual factors such as income, health status, and personal preferences, making it advisable to seek guidance and conduct a thorough comparison of prices and benefits.




Our focus lies in private health insurance.

Consultation in the English language

Health insurance is mandatory in Germany for everyone, including self-employed individuals. We cater to the unique needs of working academic expatriates coming to Germany and require quick "English-language guidance." We can provide support immediately if you have already accepted a job offer. We will help you find the right health insurance that meets your HR department and German law. Please take advantage of contacting us before you start living in Germany. It helps us and allows for insurance solutions without any time pressure. This way, we can create a plan for your health insurance before you register in Germany.




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