Your health. Your protection. Your decision.
Fills the gaps and enhances your statutory health insurance coverage.
Tailored coverage for self-employed professionals and high-income earners.
Supplementary Insurance
Private Health Insurance
Health insurance is mandatory in Germany.
Early and informed decisions help you stay protected — and save you from costly surprises.
Independent Health Insurance Advice for Expats and Blue Card Holders in Germany
Digital Consultation
Welcome! I’m Mona Anbari, an independent health insurance expert specializing in private (PKV) and public (GKV) health insurance for international professionals in Germany.
If you’re an expat or Blue Card holder looking for honest, transparent, and easy-to-understand advice, you’re in the right place.
I help you navigate the German health insurance system — without sales pressure, without confusing jargon, and with over 10 years of professional experience in private health insurance consulting.
Working independently and 100% online, my goal is to help you make confident, well-informed decisions right from the start.
Many newcomers to Germany don’t realize that health insurance is mandatory by law — and that missing coverage can lead to significant back payments later on. Others miss valuable opportunities when choosing the right plan for their situation.
That’s why my focus is on clarity, foresight, and personalized support — so you understand how the system works before it becomes complicated or costly.
I’m familiar with the requirements of local immigration offices (Ausländerbehörden), which is especially relevant when applying for or renewing your Blue Card or residence permit.
When you understand your options, you can make the right decisions — and that’s exactly what I’m here for.
✅ …are new to Germany and need guidance on choosing the right health insurance.
✅ ...hold a Blue Card or plan to apply for one.
✅ …need help understanding the differences between public (GKV) and private (PKV) health insurance.
✅ …want clear, independent advice — I have access to more than 100 health insurance providers in Germany, including both private (PKV) and public (GKV) options.
✅ …prefer a digital consultation in English.
Legal & Regulatory Information
As an independent insurance broker registered under § 34d of the German Trade Regulation Act (GewO), I’m committed to providing transparent, compliant, and client-focused advice. My initial information document outlines my approach and includes all required legal details.
I’m the right person to talk to if you…
My consultations are 100% digital, personal, and independent — no matter where you live.
We’ll talk via video or phone and find the health insurance plan that truly fits your needs.
“Prevention is better than cure.”
Prevention goes beyond healthy food and exercise — it’s also about securing access to high-quality medical care when you need it most.
The public health system provides only what is considered economically reasonable — by law (§12 SGB V), benefits must not exceed what is deemed necessary.
Once pre-existing conditions arise, upgrading your coverage may no longer be possible. That’s why it’s essential to act early — while you’re young and healthy.
1800+
100+
Partner insurers in Germany
Available private health plans
– Desiderius Erasmus (Theologian & Philosopher)
What Clients Say
Switching from Public to Private Health Insurance
"Mona was super helpful finding the right health insurance for me. She answered all my questions I had throughout the process, explained all the different insurance options and vas very friendly!
Overall great service, thank you Mona!"
Setting up Expat Insurance
"Mona was genuinely one of the kindest and most patient people I have met. She was recommended to me and took the time to email me a questionnaire, explain a few options, and then she called me via Zoom and helped me set everything up right there and then. I asked a lot of questions as the insurance matters quite a bit for immigration and she was able to comprehensively answer each one.
I highly, highly recommend making your life easier and going with Mona for all insurance needs."
★★★★★
★★★★★
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