{"id":915,"date":"2025-08-17T08:02:35","date_gmt":"2025-08-17T06:02:35","guid":{"rendered":"https:\/\/www.fallerfinance.com\/assurances-et-prevoyance\/"},"modified":"2025-11-03T17:20:25","modified_gmt":"2025-11-03T16:20:25","slug":"insurance-protection","status":"publish","type":"page","link":"https:\/\/www.fallerfinance.com\/en\/insurance-protection\/","title":{"rendered":"Insurance & Protection"},"content":{"rendered":"

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Insurance & Protection<\/h1>\n

[\/et_pb_text][et_pb_image src=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/faller-assurance-prevoyance-header.webp” alt=”faller-assurance-prevoyance-header” title_text=”faller-assurance-prevoyance-header” _builder_version=”4.27.4″ _module_preset=”default” width=”800px” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|tablet” module_alignment=”center” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#000000″ custom_padding=”60px|20px|60px|20px|true|true” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font=”Playfair Display||||||||” text_text_color=”#DBC078″ text_font_size=”42px” text_line_height=”1.1em” custom_margin=”||0px||false|false” text_font_size_tablet=”42px” text_font_size_phone=”32px” text_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Are you a French expat in Germany feeling overwhelmed by insurance questions?<\/p>\n

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Don’t worry \u2014 that’s completely normal.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/faller-finances-optimisation-fiscale-icon-objectif.webp” alt=”faller-finances-optimisation-fiscale-icon-objectif” title_text=”faller-finances-optimisation-fiscale-icon-objectif” _builder_version=”4.27.4″ _module_preset=”default” width=”60px” custom_margin=”||0px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”20px||||false|false” global_colors_info=”{}”]<\/p>\n

Between choosing public or private coverage, protecting your family, health supplements, and preparing for life\u2019s unexpected events<\/strong> (loss of income, long-term care, death), it\u2019s easy to feel lost.<\/p>\n

<\/p>\n

Faller Finance is here to simplify things and secure your future with an expert, human approach 100% tailored to expats.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15171C” custom_padding=”60px|20px|0px|20px|false|true” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|300|||||||” header_2_font_size=”42px” header_2_line_height=”1.2em” width=”800px” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|tablet” module_alignment=”center” custom_margin=”||0px||false|false” header_2_font_size_tablet=”42px” header_2_font_size_phone=”30px” header_2_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

Your Challenges in Germany: Health, Protection, and Financial Security<\/span><\/h2>\n

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Living in Germany means navigating a social protection system that differs from the one in France.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”75px||||false|false” custom_css_main_element=”align-items: center;” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_3_font=”|700||on|||||” header_3_text_color=”#DBC078″ header_3_font_size=”18px” custom_margin=”||0px||false|false” global_colors_info=”{}”]<\/p>\n

\u2714 Mandatory Health Insurance: Public or Private?<\/h3>\n

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In Germany, health insurance is mandatory. Below \u20ac73,800 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.<\/p>\n

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\u2714 Family Coverage and Supplementary Plans<\/h3>\n

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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.<\/p>\n

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\u2714 Protection Plans: Anticipate to Protect Better<\/h3>\n

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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.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/faller-assurance-prevoyance-illustration-securiser-epargne.webp” alt=”faller-assurance-prevoyance-illustration-securiser-epargne” title_text=”faller-assurance-prevoyance-illustration-securiser-epargne” _builder_version=”4.27.4″ _module_preset=”default” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15171C” background_enable_image=”off” background_size=”custom” background_image_width=”36%” background_position=”center_right” custom_padding=”||70px||false|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”22px” text_line_height=”1.2em” width=”690px” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”center” custom_margin=”10px||||false|false” global_colors_info=”{}”]<\/p>\n

As an expat, your challenge is to rebuild a full social protection system \u2014 equal to or better than what you had in France.<\/p>\n

[\/et_pb_text][et_pb_divider color=”#DBC078″ divider_weight=”2px” _builder_version=”4.27.4″ _module_preset=”default” width=”300px” max_width=”300px” module_alignment=”center” min_height=”2px” height=”2px” max_height=”2px” custom_margin=”70px||||false|false” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15171C” background_enable_image=”off” background_size=”custom” background_image_width=”36%” background_position=”center_right” custom_padding=”0px|20px|0px|20px|true|true” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|300|||||||” header_2_font_size=”42px” header_2_line_height=”1.2em” width=”890px” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|tablet” module_alignment=”center” custom_margin=”||0px||false|false” header_2_font_size_tablet=”42px” header_2_font_size_phone=”30px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Faller Finance: Your French-German Insurance & Protection<\/span> Partner<\/h2>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”22px” text_line_height=”1.2em” width=”560px” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”center” custom_margin=”10px||||false|false” global_colors_info=”{}”]<\/p>\n

Our mission is simple: to give you peace of mind when it comes to insurance and protection.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#15171C” background_enable_image=”off” background_size=”custom” background_image_width=”36%” background_position=”center_right” custom_padding=”|20px||20px|false|true” global_colors_info=”{}”][et_pb_row column_structure=”1_4,3_4″ gutter_width=”4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” max_width=”900px” max_width_tablet=”100%” max_width_phone=”100%” max_width_last_edited=”on|tablet” custom_css_main_element=”\t” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#DBC078″ custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”40px|40px|40px|40px|true|true” custom_padding_phone=”40px|40px|40px|40px|true|true” custom_padding_last_edited=”on|tablet” border_radii=”off|||40px|” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”display: none!important;” custom_css_main_element_phone=”display: none!important;”][et_pb_image src=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/faller-finances-optimisation-fiscale-icone-analyse-personnalisee.webp” alt=”faller-finances-optimisation-fiscale-icone-analyse-personnalisee” title_text=”faller-finances-optimisation-fiscale-icone-analyse-personnalisee” align=”center” _builder_version=”4.27.4″ _module_preset=”default” width=”70px” custom_margin=”20px||||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|30px|20px|0px|true|false” custom_padding_tablet=”20px|30px|20px|30px|true|true” custom_padding_phone=”20px|30px|20px|30px|true|true” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”22px” text_line_height=”1.2em” header_3_text_color=”#000000″ header_3_font_size=”20px” header_3_line_height=”1.2em” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”center” custom_margin=”10px||0px||false|false” global_colors_info=”{}”]<\/p>\n

\u2714 Personalized Assessment of Your Current Coverage<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”16px” text_line_height=”1.25em” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”left” custom_margin=”10px||10px||false|false” global_colors_info=”{}”]<\/p>\n

We start by analyzing your situation: professional status, family, existing insurance plans.<\/strong> This diagnosis reveals missing coverage, costly overlaps, and optimization opportunities to effectively protect your wealth.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,3_4″ gutter_width=”4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” max_width=”900px” max_width_tablet=”100%” max_width_phone=”100%” max_width_last_edited=”on|tablet” custom_margin=”20px||||false|false” custom_css_main_element=”\t” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#DBC078″ custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”40px|40px|40px|40px|true|true” custom_padding_phone=”40px|40px|40px|40px|true|true” custom_padding_last_edited=”on|tablet” border_radii=”off|||40px|” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”display: none!important;” custom_css_main_element_phone=”display: none!important;”][et_pb_image src=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/icone-arbitrage.webp” alt=”icone-arbitrage” title_text=”icone-arbitrage” align=”center” _builder_version=”4.27.4″ _module_preset=”default” width=”70px” custom_margin=”25px||||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|30px|20px|0px|true|false” custom_padding_tablet=”20px|30px|20px|30px|true|true” custom_padding_phone=”20px|30px|20px|30px|true|true” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”22px” text_line_height=”1.2em” header_3_text_color=”#000000″ header_3_font_size=”20px” header_3_line_height=”1.2em” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”center” custom_margin=”10px||0px||false|false” global_colors_info=”{}”]<\/p>\n

\u2714 French-German Guidance & Strategic Choices<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”16px” text_line_height=”1.25em” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”left” custom_margin=”10px||10px||false|false” global_colors_info=”{}”]<\/p>\n

Public or private? Keep French coverage (CFE) or switch to the German system? Our cross-border expertise helps you clearly compare options.<\/strong> This allows you to choose the most beneficial system for your profile \u2014 fully informed and supported by an expert.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,3_4″ gutter_width=”4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” max_width=”900px” max_width_tablet=”100%” max_width_phone=”100%” max_width_last_edited=”on|tablet” custom_margin=”20px||||false|false” custom_css_main_element=”\t” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#DBC078″ custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”40px|40px|40px|40px|true|true” custom_padding_phone=”40px|40px|40px|40px|true|true” custom_padding_last_edited=”on|tablet” border_radii=”off|||40px|” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”display: none!important;” custom_css_main_element_phone=”display: none!important;”][et_pb_image src=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/faller-finances-optimisation-fiscale-icone-arbitrage-fiscal.webp” alt=”faller-finances-optimisation-fiscale-icone-arbitrage-fiscal” title_text=”faller-finances-optimisation-fiscale-icone-arbitrage-fiscal” align=”center” _builder_version=”4.27.4″ _module_preset=”default” width=”70px” custom_margin=”20px||||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|30px|20px|0px|true|false” custom_padding_tablet=”20px|30px|20px|30px|true|true” custom_padding_phone=”20px|30px|20px|30px|true|true” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”22px” text_line_height=”1.2em” header_3_text_color=”#000000″ header_3_font_size=”20px” header_3_line_height=”1.2em” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”center” custom_margin=”10px||0px||false|false” global_colors_info=”{}”]<\/p>\n

\u2714 Selection of the Best Plans<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”16px” text_line_height=”1.25em” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”left” custom_margin=”10px||10px||false|false” global_colors_info=”{}”]<\/p>\n

Once your strategy is defined, we carefully select the best offers:<\/strong> health insurance, supplemental coverage, incapacity (Berufsunf\u00e4higkeit), accident (Unfall), long-term care (Pflegeversicherung), and life insurance. No need to decipher complex contracts in German on your own \u2014 we guide you to tailor-made coverage.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,3_4″ gutter_width=”4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” max_width=”900px” max_width_tablet=”100%” max_width_phone=”100%” max_width_last_edited=”on|tablet” custom_margin=”20px||||false|false” custom_css_main_element=”\t” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#DBC078″ custom_padding=”40px|40px|40px|40px|true|true” custom_padding_tablet=”40px|40px|40px|40px|true|true” custom_padding_phone=”40px|40px|40px|40px|true|true” custom_padding_last_edited=”on|tablet” border_radii=”off|||40px|” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”display: none!important;” custom_css_main_element_phone=”display: none!important;”][et_pb_image src=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/faller-finances-optimisation-fiscale-icone-declaration-impots.webp” alt=”faller-finances-optimisation-fiscale-icone-declaration-impots” title_text=”faller-finances-optimisation-fiscale-icone-declaration-impots” align=”center” _builder_version=”4.27.4″ _module_preset=”default” width=”60px” custom_margin=”20px||||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”20px|30px|20px|0px|true|false” custom_padding_tablet=”20px|30px|20px|30px|true|true” custom_padding_phone=”20px|30px|20px|30px|true|true” custom_padding_last_edited=”on|tablet” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_font_size=”22px” text_line_height=”1.2em” header_3_text_color=”#000000″ header_3_font_size=”20px” header_3_line_height=”1.2em” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”center” custom_margin=”10px||0px||false|false” global_colors_info=”{}”]<\/p>\n

\u2714 Complete Administrative Support<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”16px” text_line_height=”1.25em” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”left” custom_margin=”10px||10px||false|false” global_colors_info=”{}”]<\/p>\n

German administrative processes are often complex and intimidating.<\/strong> We handle all formalities: registrations, paperwork, translations. Your Faller Finance advisor also acts as your intermediary in case of issues \u2014 freeing you from the stress of admin tasks.<\/p>\n

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\u2714 Ongoing Support and Regular Optimization<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”16px” text_line_height=”1.25em” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”left” custom_margin=”10px||10px||false|false” global_colors_info=”{}”]<\/p>\n

Our support doesn\u2019t stop after you sign. Marriage, childbirth, job changes, or returning to France: we regularly update your coverage.<\/strong> Every year, we review your plans to ensure they remain optimal \u2014 with no effort on your part.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” max_width=”900px” max_width_tablet=”100%” max_width_phone=”100%” max_width_last_edited=”on|tablet” custom_margin=”50px||||false|false” locked=”off” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/faller-assurance-prevoyance-illustration-rendez-vous.webp” alt=”faller-assurance-prevoyance-illustration-rendez-vous” title_text=”faller-assurance-prevoyance-illustration-rendez-vous” _builder_version=”4.27.4″ _module_preset=”default” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.27.4″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(0,0,0,0.8) 0%|rgba(0,0,0,0.8) 100%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/faller-finances-optimisation-fiscale-fond-process.webp” parallax=”on” parallax_method=”off” custom_padding=”70px|20px|70px|20px|true|true” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|300|||||||” header_2_font_size=”42px” header_2_line_height=”1.2em” width=”750px” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|tablet” module_alignment=”center” custom_margin=”||0px||false|false” header_2_font_size_tablet=”42px” header_2_font_size_phone=”30px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

The Real Benefits of Tailored Support<\/span><\/h2>\n

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Every step is designed to provide value and help you make informed decisions \u2014 with no unnecessary commitments.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ gutter_width=”2″ _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”150px||||false|false” custom_margin_tablet=”150px||||false|false” custom_margin_phone=”50px||||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”32px|25px|32px|25px|true|true” custom_css_main_element=”border-radius: 12px!important;” global_colors_info=”{}”][et_pb_text disabled_on=”on|off|off” _builder_version=”4.27.4″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#DBC078″ text_font_size=”75px” header_3_text_color=”#000000″ header_3_font_size=”24px” header_3_line_height=”1.3em” positioning=”absolute” vertical_offset=”-50px” width=”100%” custom_margin=”||0px||false|false” global_colors_info=”{}”]<\/p>\n

1.<\/p>\n

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Free Discovery Consultation<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”16px” global_colors_info=”{}”]<\/p>\n

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.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”32px|25px|32px|25px|true|true” custom_css_main_element=”border-radius: 12px!important;” global_colors_info=”{}”][et_pb_text disabled_on=”on|off|off” _builder_version=”4.27.4″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#DBC078″ text_font_size=”75px” header_3_text_color=”#000000″ header_3_font_size=”24px” header_3_line_height=”1.3em” positioning=”absolute” vertical_offset=”-50px” width=”100%” custom_margin=”||0px||false|false” global_colors_info=”{}”]<\/p>\n

2.<\/p>\n

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Personalized Analysis<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”16px” global_colors_info=”{}”]<\/p>\n

We carefully assess your profile (age, income, family, existing coverage) to identify your needs and the most suitable solutions.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”32px|25px|32px|25px|true|true” custom_css_main_element=”border-radius: 12px!important;” global_colors_info=”{}”][et_pb_text disabled_on=”on|off|off” _builder_version=”4.27.4″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#DBC078″ text_font_size=”75px” header_3_text_color=”#000000″ header_3_font_size=”24px” header_3_line_height=”1.3em” positioning=”absolute” vertical_offset=”-50px” width=”100%” custom_margin=”||0px||false|false” global_colors_info=”{}”]<\/p>\n

3.<\/p>\n

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Presentation of Solutions<\/h3>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”16px” global_colors_info=”{}”]<\/p>\n

A second consultation to compare the available options together (public\/private, supplementary plans, protection). You choose with full confidence.<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” background_color=”#FFFFFF” custom_padding=”32px|25px|32px|25px|true|true” custom_css_main_element=”border-radius: 12px!important;” global_colors_info=”{}”][et_pb_text disabled_on=”on|off|off” _builder_version=”4.27.4″ _module_preset=”default” text_font=”|700|||||||” text_text_color=”#DBC078″ text_font_size=”75px” header_3_text_color=”#000000″ header_3_font_size=”24px” header_3_line_height=”1.3em” positioning=”absolute” vertical_offset=”-50px” width=”100%” custom_margin=”||0px||false|false” global_colors_info=”{}”]<\/p>\n

4.<\/p>\n

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Implementation and Ongoing Follow-Up<\/h3>\n

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We handle all administrative procedures for you. After signing, we continue to support you and optimize your contracts over time.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”3_4,1_4″ gutter_width=”2″ _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”50px||||false|false” global_colors_info=”{}”][et_pb_column type=”3_4″ _builder_version=”4.27.4″ _module_preset=”default” background_image=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/faller-assurance-prevoyance-illustration-couple-et-conseiller.webp” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” min_height=”400px” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ _builder_version=”4.27.4″ _module_preset=”default” background_image=”https:\/\/www.fallerfinance.com\/\/wp-content\/uploads\/2025\/08\/faller-assurance-prevoyance-illustration-mains.webp” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” min_height=”400px” global_colors_info=”{}”][\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#000000″ custom_padding=”70px||140px||false|false” custom_padding_tablet=”70px||140px||false|false” custom_padding_phone=”70px|20px|70px|20px|false|true” locked=”off” global_colors_info=”{}”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”default” background_color=”#DBC078″ custom_padding=”60px|100px|60px|100px|true|true” custom_padding_tablet=”60px|40px|60px|40px|true|true” custom_padding_phone=”|20px||20px|true|true” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” header_2_font=”|700|||||||” header_2_text_color=”#000000″ header_2_font_size=”42px” header_2_line_height=”1.2em” width=”700px” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|tablet” module_alignment=”center” custom_margin=”||0px||false|false” header_2_font_size_tablet=”42px” header_2_font_size_phone=”36px” header_2_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Take Action Now!<\/h2>\n

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Grow and protect what matters to you with the help of an advisor who speaks your language and understands your needs.<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”22px” text_line_height=”1.2em” width=”100%” width_tablet=”100%” width_phone=”100%” width_last_edited=”on|desktop” module_alignment=”center” custom_margin=”20px||||false|false” global_colors_info=”{}”]<\/p>\n

Contact us today to benefit from personalized support and enjoy your expat life with complete peace of mind.<\/p>\n

[\/et_pb_text][et_pb_button button_text=”Contact us” button_alignment=”center” button_text_tablet=”Contact” button_text_phone=”Contact” button_text_last_edited=”on|desktop” _builder_version=”4.27.4″ _module_preset=”46f447f0-0088-48a1-8678-8209d4d7bf73″ custom_button=”on” button_text_size=”16px” button_text_color=”#FFFFFF” button_bg_color=”#000000″ button_border_width=”2px” button_border_color=”#000000″ button_border_radius=”33px” button_use_icon=”off” custom_margin=”0px||||false|false” custom_padding=”8px|20px|8px|20px|true|true” locked=”off” global_colors_info=”{}” button_text_color__hover=”#15171C” button_text_color__hover_enabled=”on|desktop” button_bg_color__hover=”RGBA(255,255,255,0)” button_bg_color__hover_enabled=”on|desktop” button_border_color__hover=”#000000″ button_border_color__hover_enabled=”on|desktop” button_bg_enable_color__hover=”on” button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjI0NyJ9fQ==@” _dynamic_attributes=”button_url”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Insurance & ProtectionAre you a French expat in Germany feeling overwhelmed by insurance questions?Don’t worry \u2014 that’s completely normal.Between choosing public or private coverage, protecting your family, health supplements, and preparing for life\u2019s unexpected events (loss of income, long-term care, death), it\u2019s 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 SecurityLiving in Germany means navigating a social protection system that differs from the one in France.\u2714 Mandatory Health Insurance: Public or Private?In Germany, health insurance is mandatory. Below \u20ac73,800 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.\u2714 Family Coverage and Supplementary PlansUnlike 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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-915","page","type-page","status-publish","hentry"],"yoast_head":"\nInsurance & Protection for Expats in Germany | Faller Finance<\/title>\n<meta name=\"description\" content=\"Protect yourself and your family against life\u2019s uncertainties. 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