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Relocating to Germany in 2025: The Essential Guide to Insurance and Settling In
- Darren Tarrant
- Jun 3
- 4 min read
Updated: Jun 11
Relocating to Germany in 2025 is more than just packing your bags, it’s navigating a system that runs on precision, paperwork, and policies. As a new arrival, one of your most urgent tasks is ensuring you have the right insurance cover in place, not just to meet legal requirements, but to protect yourself from serious financial risks.
To help you land smoothly, this guide breaks down the three essential insurances every expat needs. Throughout, we highlight how Archer Relocation supports your logistical transition and how LeX-Wealth provides expert, independent guidance on your financial protection, without bias, without language barriers, and without unnecessary costs.
Table of Contents
The Most Common Challenges Expats Face When Moving to Germany
While Germany is renowned for its stability and structure, expats often find the early weeks especially challenging. Common struggles include:
Navigating a visa application that requires proof of insurance
Completing city registration (Anmeldung) without delays
Understanding whether to choose public or private insurance
Signing contracts entirely in German
Not knowing which types of insurance are standard, mandatory, or unnecessary
Finding clear, unbiased guidance in English
That’s why working with professionals, Archer Relocation for logistics and LeX-Wealth for financial security, can help you sidestep confusion and avoid costly mistakes.
Meet Archer Relocation: Your Trusted Local Support
Archer Relocation is the go-to relocation partner for individuals and families making the move to Germany. Their support begins well before you board the plane and often continues throughout your first months, and even years, on the ground, helping you settle in and truly feel at home.
Services include:
Visa and immigration assistance
Health insurance coordination (often required pre-visa)
Support with Anmeldung, bank accounts, and tax ID setup
Temporary and long-term housing search
School and childcare support
Tailored guidance and a personalized experience via their online platform
They work closely with LeX-Wealth to ensure that clients have the correct documentation and compliant insurance policies in place, avoiding visa delays, housing rejections, or financial risk.
Health Insurance (Krankenversicherung)
If there’s one insurance policy you must prioritise immediately, it’s this one. Health insurance is mandatory for every resident in Germany, and your visa will not be approved without valid coverage.
Understanding the Two Systems
Public Health Insurance (GKV)
Contributions are based on income level
Covers most medical needs (GP visits, hospital stays, basic dental)
Dependents (spouse, children) are included at no extra cost
Mandatory for salaried employees earning under ~€73,800/year
Private Health Insurance (PKV)
Premiums based on age, health status, and chosen coverage
Faster access to specialists and private clinics
Often more cost-effective for high earners and freelancers.
Must be chosen carefully: switching back to public is very difficult
Why Expert Guidance Matters
Choosing the wrong system can lead to:
Paying too much
Being locked into inflexible contracts
Delays with visa approval or job onboarding
Denied coverage due to pre-existing conditions
LeX-Wealth works independently across the entire market, including top private and public providers, to recommend what’s genuinely best for you, not what pays the highest commission.
Personal Liability Insurance (Haftpflichtversicherung)
In Germany, personal liability insurance isn’t technically mandatory, but culturally, it might as well be. Nearly every local has it, and if you’re renting an apartment, especially a furnished one, which is often the case when you first arrive, your landlord will likely ask for proof before handing over the keys.
What It Covers
Personal liability insurance protects you if you accidentally:
Injure another person
Damage someone else’s property
Cause a costly accident (e.g. a water leak from your rental damages the downstairs neighbour’s flat)
Need legal support for claims against you
Here are a few examples we see regularly:
Spilling red wine on a friend’s white couch
Breaking a glass stovetop in your furnished rental
Your child scratches a parked car with their bicycle
Even minor mishaps can turn expensive fast in Germany. These policies typically cost €4–€7 per month, with cover limits as high as €50 million. They're one of the best-value safety nets you can have.
At LeX-Wealth, we help expats choose reliable, English-friendly policies that work for furnished or unfurnished living situations and make a good impression with landlords too.
Income Protection Insurance (Berufsunfähigkeitsversicherung)
Income protection is perhaps the least discussed but most financially critical insurance for working professionals in Germany.
What It Protects
If you can’t work due to illness, injury, or psychological burnout, this policy pays out a monthly income, helping you stay afloat financially even if you're unable to earn.
Without private coverage, you may only receive a small state benefit, often not enough to pay rent, support a family, or maintain your lifestyle.
Ideal for:
Freelancers and self-employed expats, who aren’t covered by the state
High earners, who want to maintain their living standard
Anyone without 5 years of contributions to the German social system
LeX-Wealth builds fully customised policies based on your profession, health, and long-term plans. We also offer add-ons for early retirement, accident disability, and more.
Application support in English
Covers physical and mental health causes
Paid in euros to your German or international bank account
Final Thoughts: Start Strong with the Right Cover in Place
There’s a lot to manage when you relocate, appointments to attend, systems to navigate, and decisions to make fast. Insurance is one of those boxes you don’t want to tick blindly.
At LeX-Wealth, we’ve helped hundreds of expats confidently set up their insurance and financial plans from the start. And with Archer Relocation supporting your move on the ground, you’ll have the right help in the right places, whether it’s registering with the city or choosing a policy for your visa appointment.
Getting these essentials right now means fewer problems later. It also frees you up to focus on the good parts: discovering your new city, building your new life, and settling in with peace of mind.
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