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Spectrum International

Spectrum International

Cornelia Woodiwiss
Tel: +49(0)2432-80365

Everyone’s favourite subject – especially in Germany………..Health Insurance!

Health Insurance has been a legal requirement for all residents of Germany (both German and foreign) since
2009. So, we focus primarily on this. 

Spectrum International is an Insurance Broker registered with the German Chamber of Commerce and
qualified in German and International Insurance. We offer a range of insurance products from different
Providers. In addition to health insurance, Spectrum International offers other important German insurances.

We are Bilingual — German and English

Spectrum can advise on and arrange:

  • German Public Health Insurance (GKV)
  • German Private Health Insurance (PKV)International
  • International Health Insurances which are approved by the EU and the German
    Financial Services Supervisory Authority /(Bundesanstalt für
    Finanzdienstleistungsaufsicht – BaFin).
  • Stand Alone Long Term Care Insurance
  • Student Insurance and Travel Insurance – where appropriate.
  • Life Assurance
  • Pension Plans
  • Household goods and Property Insurance
  • Pet Insurance
  • Liability Insurance for individuals and businesses
  • And other types of policies.

There are many differences in the structure of the various insurances available and there are many factors to consider:

  • Appropriateness for each individual
  • Cost & Coverage
  • Performance of the Provider – Claims handling for example

Spectrum takes all into consideration for each person insured. Our advise is free and without obligation. Prices, Terms and Conditions are those set by the insurers – Spectrum does not add any charges or fees.

Health Insurance is a very important issue in everyone’s personal life. Health Insurance in Germany is subject to German legislation in respect to who may have what type of insurance. This can lead to much confusion. Consulting a Health Insurance Broker offers a person the opportunity to explore a range of different Insurance Providers as well as different coverage plans that meet the “residence permit“ compliance conditions set by the German government.

A very important factor for Expatriates is residency status. There are a number of „Travel Health Insurances“ marketed in Germany on the internet and by various agencies – sometimes they are called Expat Health Insurance. Travel Health Insurance, however, most likely will not meet the regulatory standard required by the German authorities to obtain a residence permit. Anyone intending to live and work in Germany must register as a resident with the local authorities.

Your place of Residence is the place where you are currently living or applying to live e.g. Germany. If you are intending to remain in Germany for more than 90 days and you are a non-EU citizen – which now includes British nationals – you are required to register as Resident and obtain a Residence Permit (Aufenthaltserlaubnis) from the Ausländerbehörde.