Services
What we cover
Mostly self-employed people, businesses and employees earning above the statutory health insurance threshold — the situations where a comparison portal regularly gets it wrong.
PKV
Private health insurance
We read your existing policy in detail: deductible, reimbursement rates, dental, hospital choice. Within the same insurer you have a statutory right to switch tariffs under § 204 VVG, keeping the ageing provisions you have built up.
Income
Occupational disability cover
If you cannot work, your income stops but your costs do not. Health questions can be clarified anonymously in advance — including for physically demanding occupations.
Pension
Company pension (bAV)
Salary conversion with the employer contribution required by law, set up and documented properly, including sessions for your staff at your premises.
Staff
Employee health cover (bKV)
A health budget your company provides for its employees, in many cases without individual medical underwriting. A practical retention measure rather than a payroll increase.
Business
Business insurance
Public liability, contents, cyber and legal expenses cover. Which extensions matter depends on your sector — a standard package frequently stops short.
Personal
Household, property and savings
Contents, buildings, personal liability, legal expenses and retirement savings — arranged around your actual situation rather than a template.
Meetings can be held in English, German, Turkish or Albanian. We are a tied insurance agent of SIGNAL IDUNA (§ 34d (7) GewO); advice is based exclusively on products of the SIGNAL IDUNA Group (§ 60 (2) VVG).