Insurance & Protection
Are you a French expat in Germany feeling overwhelmed by insurance questions?
Don’t worry — that’s completely normal.
Between choosing public or private coverage, protecting your family, health supplements, and preparing for life’s unexpected events (loss of income, long-term care, death), it’s easy to feel lost.
Faller Finance is here to simplify things and secure your future with an expert, human approach 100% tailored to expats.
Your Challenges in Germany: Health, Protection, and Financial Security
Living in Germany means navigating a social protection system that differs from the one in France.
✔ Mandatory Health Insurance: Public or Private?
In Germany, health insurance is mandatory. Below €73,800 in annual income, you fall under the public system (Gesetzliche Krankenkasse); above that, you can choose private insurance. Public coverage includes your entire family under one contract. Private insurance often provides better reimbursement but requires a separate contract for each individual. Contrary to popular belief, private coverage is often less expensive than public.
✔ Family Coverage and Supplementary Plans
Unlike in France, family coverage is included in the public system but must be paid for separately in the private system. Consider supplementary insurance (Zusatzversicherung) to enhance your coverage: dental, optical, or hospital care.
Example: Is your household under public insurance? A supplemental plan can easily improve coverage for you and your children.
✔ Protection Plans: Anticipate to Protect Better
An accident or serious illness can drastically impact your life. Did you know that in Germany, income is only covered for up to 78 weeks in the case of long-term incapacity? And that long-term care costs are barely covered by the public system?
If your household relies on a primary income, consider supplemental incapacity insurance or life insurance to financially protect your loved ones.
As an expat, your challenge is to rebuild a full social protection system — equal to or better than what you had in France.
Faller Finance: Your French-German Insurance & Protection Partner
Our mission is simple: to give you peace of mind when it comes to insurance and protection.
✔ Personalized Assessment of Your Current Coverage
We start by analyzing your situation: professional status, family, existing insurance plans. This diagnosis reveals missing coverage, costly overlaps, and optimization opportunities to effectively protect your wealth.
✔ French-German Guidance & Strategic Choices
Public or private? Keep French coverage (CFE) or switch to the German system? Our cross-border expertise helps you clearly compare options. This allows you to choose the most beneficial system for your profile — fully informed and supported by an expert.
✔ Selection of the Best Plans
Once your strategy is defined, we carefully select the best offers: health insurance, supplemental coverage, incapacity (Berufsunfähigkeit), accident (Unfall), long-term care (Pflegeversicherung), and life insurance. No need to decipher complex contracts in German on your own — we guide you to tailor-made coverage.
✔ Complete Administrative Support
German administrative processes are often complex and intimidating. We handle all formalities: registrations, paperwork, translations. Your Faller Finance advisor also acts as your intermediary in case of issues — freeing you from the stress of admin tasks.
✔ Ongoing Support and Regular Optimization
Our support doesn’t stop after you sign. Marriage, childbirth, job changes, or returning to France: we regularly update your coverage. Every year, we review your plans to ensure they remain optimal — with no effort on your part.
The Real Benefits of Tailored Support
Every step is designed to provide value and help you make informed decisions — with no unnecessary commitments.
1.
Free Discovery Consultation
A free meeting (via video call or in person) to understand your needs, answer your questions, and give you a clear first overview of your options.
2.
Personalized Analysis
We carefully assess your profile (age, income, family, existing coverage) to identify your needs and the most suitable solutions.
3.
Presentation of Solutions
A second consultation to compare the available options together (public/private, supplementary plans, protection). You choose with full confidence.
4.
Implementation and Ongoing Follow-Up
We handle all administrative procedures for you. After signing, we continue to support you and optimize your contracts over time.
Take Action Now!
Grow and protect what matters to you with the help of an advisor who speaks your language and understands your needs.
Contact us today to benefit from personalized support and enjoy your expat life with complete peace of mind.