As an independent insurance broker, I, Sebastian Krüger, specialise in people who move between countries professionally and privately – freelancers, expats and emigrants. For this group a single insurer is not enough: it takes access to the whole market and partners who help beyond insurance.
This page shows who we work with and why that makes a concrete difference for you.
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Through close cooperation with leading companies in Germany and internationally we can offer solutions that meet both high quality standards and cross-border requirements. Specifically we broker APRIL International, Foyer Global Health, Cigna Global, PassportCard, Care Concept, BDAE, Hallesche (ALH Group) and HDI, among others.
The practical benefit: we do not have to sell a product that does not fit.
Professional networking is the precondition for noticing market changes early – with international plans, policy wordings and areas of cover change regularly.
Through cooperations with Fonds & Finanz Partner and the Quality Pool we have access to a broad product range and to specialist cover that individual brokers otherwise cannot offer.
A move abroad is rarely only an insurance question. That is why we work with law firms, tax advisers and relocation services. Whether it concerns residence law, double taxation or organising the move, you get a recommendation instead of an internet search.
How that plays out in practice can be seen in topics such as legal protection for expats, reporting a claim abroad and the emigration checklist.
As a broker under §§ 93 ff. of the German Commercial Code we work on behalf of our clients, not on behalf of an insurer. That means no sales quotas for individual companies and no recommendation that cannot be justified. How we are remunerated is set out in our initial information.
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No. As an independent insurance broker under §§ 93 ff. of the German Commercial Code we work on behalf of our clients and, through cooperations such as Fonds & Finanz Partner and the Quality Pool, have access to a broad range of the market.
Since 2002. The Bund der Auslandserwerbstätigen specialises in people who live and work abroad – a connection that continues to shape our professional focus today.
Through our network of law firms, tax advisers and relocation services we can refer you to specialists for legal, tax and organisational questions around a stay abroad. Advice in those fields is provided by the respective professionals, not by us.
Through commissions from the insurance companies as part of the brokerage. There are no additional costs for you – premiums are the same as if you signed up directly. Details are in our initial information.
Want to know which partners are relevant for your situation? Book a free initial consultation.
Don't rely on half-measures. Your life and your goals deserve the best protection. Let's work together to ensure you feel completely secure.
In international cases a solid network is not a marketing term but the difference between a recommendation and an internet search.
Via WhatsApp, video call or phone – and with a network that helps even beyond our own remit.
We disclose who we work with and how we are remunerated. It is all in the initial information.
Market access only helps if it fits the situation. We select from the network what your case requires.
For follow-up legal or tax questions abroad we refer you onwards instead of leaving you alone.
