Question 1

Which insurance policies do I need as a newcomer?

Accepted Answer

Above all, health insurance, personal liability insurance and – depending on your situation – home contents and income protection insurance. Together, we prioritise what makes sense for you.

Question 2

What does occupational disability mean?

Accepted Answer

It means that you can permanently no longer work in your profession for health reasons. Statutory cover is often not enough – occupational disability insurance (BU) protects your standard of living.

Question 3

How much does a consultation cost?

Accepted Answer

The first consultation is free and non-binding. I transparently show you the options that suit you – without any pressure.

Question 4

How much does Personal Support cost?

Accepted Answer

There are four levels, each with a fixed monthly allowance: Basic, Standard, Premium and Ultimate · Concierge. Which level suits you and what it costs is something we clarify in a personal conversation – non-binding and confidential.

Question 5

What does the concierge service include?

Accepted Answer

At the Ultimate level, we additionally take care of travel bookings, event planning and personal errands – with priority and available around the clock.

Question 6

How does the collaboration work?

Accepted Answer

After a free initial meeting, we review your contracts and deadlines. You get a dedicated contact with a direct number and a short report once a month.

Question 7

By when do I have to register my address?

Accepted Answer

Within 14 days of moving in, with your local municipality. You will need your passport, the landlord's confirmation (Wohnungsgeberbestätigung) and, if applicable, your birth certificate.

Question 8

Do I need a German bank account?

Accepted Answer

Yes, it is important for salary payments and everyday transactions. Most banks offer free current accounts.

Question 9

When will I receive my tax ID?

Accepted Answer

It is sent to you automatically by post after registration, and your employer will need it.

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