Insurance & Finance.
Made for Expats in Germany
Health insurance, income protection, pension and property – personal advice in your language, whether you arrived last week or have lived here for years.
- Claims handled personally
- 24/7 on WhatsApp
- In your language
- 7,000+ clients advised
- IPV-certified
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Stefan von Nessen introduces himself and explains how finanXpats helps internationals in Germany.
Where are you right now?
Not just for your arrival – here for every stage of your life in Germany. Pick your stage and see what matters now.
New in Germany
Sort the essentials in the right order.
Building your career
Your income grows – your cover should too.
Starting a family
More people to protect – and new state support.
Your own home
Know your numbers before you sign.
Planning ahead
Know what you will really receive.
Get a free insurance check.
Show us the policies you have – with any insurer. We look for gaps, overlaps and outdated cover, and tell you honestly where an Allianz solution fits better and where it doesn't.
- 1Show us your policiesIn a short call or as photos on WhatsApp – whatever is easier for you.
- 2We check themGaps, double cover, sums that no longer fit your life – explained in plain words.
- 3You decideKeep, adjust or switch – free and without obligation.
- Claims handled personallyWe report your claim and guide you step by step until it is settled.
- Reachable 24/7WhatsApp at any time, phone Mon–Fri 8 am – 8 pm.
- Everything in your languageAdvice, documents and claims – clearly explained.
- One contact for everythingHealth, protection, pension and property.
Hi, I'm Stefan.
I started my career at Deutsche Bank and spent many years in management consulting, working with teams from all over the world. For more than a decade, I've been supporting internationals in Germany – not just as an advisor, but as someone who understands your situation and walks the path with you.
I don't disappear after a conversation or a contract. I stay involved, follow through and stand up for your interests.
IPV-certified · Managing Director of finanXpats · von Nessen OHG, Allianz General Agency
More about me →“Stefan is one of the most professional and experienced insurance consultant I have ever worked with. Highly recommended!”
“As an expat, it becomes so much easier to navigate through the insurance system with his support. :)”
“The go-to expert for private health insurance for expats in Germany. Professional, knowledgeable, responsive, and always focused on finding the best solution. Highly recommended!”
“We moved from Italy to Germany, and Stefan helped us switch to private health insurance. He explained everything in English, responded quickly, and made the entire process straightforward. We highly recommend him to anyone relocating to Germany”
Frequently asked questions
What insurance do I really need in Germany?
Health insurance is mandatory. The most important voluntary one is personal liability – cheap, and it covers damage you cause to others. Next comes protecting your income. Household contents, legal protection and term life depend on your situation. See the essentials →
Can I go back from private to public health insurance?
Usually only before 55 – for example when you become an employee earning below the annual income threshold, or when you become unemployed. After 55 it is very difficult. That is why we look at both options with you before you decide. When you can return →
How can I protect my income if I can no longer work?
The state disability pension is low and usually requires five years of contributions – so many expats would get nothing at first. Disability insurance pays a fixed monthly amount if you can no longer work in your job. Calculate your need →
Is the insurance check really free?
Yes – free and without obligation. We look at your existing policies with any insurer. As an Allianz general agency, we tell you openly where an Allianz solution fits and where it doesn’t. Book your check →
Can you help if I have lived in Germany for years?
Absolutely. Many of our clients have been here a long time – their life has changed, their contracts haven’t. Pension, property and family topics are just as much our work as getting started. Pension & investing →
Is health insurance mandatory in Germany?
Yes. Everyone who lives in Germany must have health insurance – public or private – from the first day of residence. Read the guide →
Latest insights
Health insurance, protection and finance in Germany – explained for expats.
Let's talk about your situation.
Your first consultation is free and non-binding.