Expats: Don’t lose €2,000–4,000 per year on health insurance
Daniel Indiesteln, certified banking specialist, shows you exactly where internationals in Germany overpay – and how to make the smarter choice between public & private
Hosted by Daniel Indiesteln – Certified Banking Specialist with 10+ years in banking & investments, trusted by 300+ professionals in Germany
of experience in banking & wealth management
successfully advised in Germany
digital & flexible
advice
nationalities among
our clients
certified banking specialist – Frankfurt School of Finance & Management
Health insurance in Germany – confusing, overwhelming, expensive?
You’re not alone. Every week I meet expats who feel lost in the system: Public (GKV) or Private (PKV)? Rising costs, unclear rules, family coverage – the wrong choice can cost you thousands or limit your options for years.
This webinar is designed to cut through the confusion. In just 45 minutes you’ll get the clarity you need to make a confident decision – for yourself and your family!
Here’s what you’ll finally understand after the webinar
- Why 9 out of 10 stay public – and why high earners often lose €2,000–4,000 per year by doing so
- The hidden math behind PKV – how private can actually be cheaper in 95% of high-income cases (with better benefits)
- The family factor – when free coverage in GKV really helps, and when private saves more for partner & kids
- Freelancers: avoid €10,000+ back-payments – the little-known rule that catches many self-employed expats
- The step-by-step switch – the exact process, documents you need, and how to move safely without coverage gaps
- Expat-only opportunities – special tariffs, subsidies & refund tricks internationals rarely get told about
You’ll leave with clarity, concrete next steps, and the confidence to save money while getting better care in Germany
How we helped Mark save almost €8,000 per year – double the average
While most expats save around €2,000–4,000 after switching, Mark’s case shows how the difference can be even bigger
Result:
- €660 saved every month
- Nearly €8,000 saved every year
- Plus: faster access to doctors and more flexibility for his care
Mark, an international professional in Germany, thought public insurance was the safe choice.
Every month, €1,171 disappeared from his salary for GKV contributions – more than €14,000 per year. And because contributions rise with income, the costs kept climbing.
When he finally compared his options, he realised he could switch. After moving to private insurance (PKV), his monthly premium dropped to just €548!
More than money: making the best decision for your care
Over the years I’ve seen the same story again and again: professionals in Germany are placed into public insurance because it felt like the “safe” option. Nobody explained the alternatives. Nobody showed how private insurance really works.
The result: many don’t feel they made a choice at all. Sometimes that’s fine. But often it means higher costs, fewer benefits – or being locked into a system that doesn’t fit their life or family.
This is the knowledge I share with my clients every day – now available for you in one free session: to give you the full picture, the benefits and the drawbacks – so you can make a confident, informed decision about your health and your future!
Daniel Indiesteln – Founder & Financial Advisor of Empire Expats
“My path in finance started early – and has shaped everything I do today.”
Over the past 10+ years, I’ve worked in top-tier financial institutions, specializing in wealth management and financial planning. Again and again, I saw how difficult it was for internationals in Germany to find real orientation. Standard bank solutions rarely fit expat situations – and too often this led to frustration, higher costs, or missed opportunities.
That’s why I founded Empire Expats: to provide internationals with independent, structured advice they can trust. Today, more than 300 expats from over 20 countries rely on my guidance when it comes to health insurance, investments, and long-term planning.
My mission is simple: to give you the clarity and confidence you need to make the best financial decisions for your life in Germany.
Is the webinar in English or German?
The entire session is in English, designed specifically for internationals living in Germany.
Who should attend this webinar?
Expats and professionals above the income threshold, freelancers, singles and families – anyone who wants to finally understand the real differences between public and private health insurance.
Do I have to switch to PKV after the webinar?
No. This is an information session only. You’ll get clarity and concrete next steps, but no obligation to switch.
I already have private insurance – is this still relevant?
Yes. Even if you’re already in PKV, the webinar can help you understand if your current setup is still the best fit – or if you’re missing out on better options.
What happens after the webinar?
Nothing is required. If you’d like, you can book a free 1:1 session with Daniel to discuss your personal situation in detail.
Is this only for singles or also for families?
Both. The webinar covers how health insurance impacts singles, couples, and families with children – because the numbers and benefits can look very different.
Avoid the most expensive mistake expats make
This webinar is for you if…
✔ You don’t want to throw away €2,000–4,000 every year
✔ You feel unsure whether your current insurance is really the best option
✔ You prefer clear steps and real cases over endless Googling
✔ You’re ready to save money and get better care
Every month you wait, you could be overpaying. Secure your spot today.
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