Hello! I am Sebastian Krüger from Havel Spree Finanz. If you are a freelancer, expat or emigrant, I am here for your insurance questions – with a perspective I did not acquire from a textbook.
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What matters to me are tailored solutions that fit not only your current needs but also what you intend to do abroad. That is more than choosing the right policy: I want to be the partner who gives you the confidence to carry out your plans without worry.
All options have to be on the table so that you can decide in an informed and confident way. As an independent broker under §§ 93 ff. of the German Commercial Code I am not tied to particular companies – details on market access are at partners and networks.
That also means saying uncomfortable things: that a cheap plan has a particular gap, that a prospective entitlement costs money and is still worth it, or that a policy is simply unnecessary in your case.
I know from my own experience how exciting and demanding living and working abroad can be. In 2019 I spent a longer period in Nepal – an experience that showed me very clearly what safety net a family actually needs internationally.
From 2026 I will begin a life outside Germany with my family, followed by a hike on the Pacific Crest Trail in 2027. I am asking myself exactly the questions you are asking: what happens to health insurance? Does liability cover still apply? What becomes of retirement provision? The emigration checklist grew out of precisely those questions.
Whether occupational disability cover with a link to Hong Kong or international health insurance for Canada – let's set the right course together.
Do not hesitate to get in touch. The fastest way is WhatsApp (+49 151 28937141) or the contact form.
The focus. For years we have worked almost exclusively with people who live between countries – expats, freelancers, emigrants and companies with posted employees. That is precisely where standard solutions fail, because residence, social insurance status and immigration law interact.
Yes. Support has been organised fully digitally for years – by video call, phone and WhatsApp. A large share of our clients already live permanently outside Germany.
It is free for you. We are remunerated by commissions from the insurance companies as part of the brokerage, and premiums are the same as if you signed up directly. Details are in the initial information.
Especially then. Prospective entitlements, occupational disability policies and international health insurance with medical underwriting are considerably harder or impossible to arrange from abroad. The best time is a few months before departure.
Let's work out the right strategy together. Book a free initial consultation or start the insurance check.
Don't rely on partial solutions. Your life and goals deserve the best protection. I'll work with you to discover how you can feel completely secure.
Independent, specialised and with first-hand experience abroad – these are the four points you can hold us to.
Via WhatsApp, video call or phone – across time zones, in German and English.
All options on the table, including the uncomfortable points of a plan and our own remuneration.
Your plans determine the solution – not the product that would be easiest to broker.
In a claim there is rarely anyone on the ground abroad. Then we are the people you can reach.
