Independent PKV Audit for Expats in Germany. Let us Fix That -Free 15-Min Consultation
Most expats in Germany overpay by €150 to €300 every single month without knowing it. We built a system that shows you exactly where the money goes and how to get it back. 2,400+ expats already use it.
Why Expats in Germany Overpay GKV The 3 Gaps We Find Every Time
These are not products we sell you. These are the three gaps we find in almost every expat insurance setup. Most people have at least one. Many have all three.
You Are in the Wrong Plan
Diagnostic
If you earn above 77,400 euros a year and you are still in GKV, you are giving away money every month. That threshold is not just a number. It is the line where private insurance stops being a luxury and starts being the smarter financial move.
Architectural Solution
We audit your exact income and coverage situation and show you what switching to PKV actually saves you. Not an estimate. Your real numbers.
You Are Leaving Free Money Behind Every Year
Diagnostic
Most PKV holders have no idea their plan can pay them back. If you went 12 months without making a claim, you are owed a premium refund. Most people never collect it.
Architectural Solution
We build the refund structure into your plan from day one so you never miss it again.
Your Entire Financial Setup Has Gaps
Diagnostic
One broker. One product. No big picture. Most expats in Germany have never had someone look at their full setup: tax, residency, coverage, and long term risk all at once.
Architectural Solution
We run a complete audit across every layer and hand you a single plan that actually holds together.
Most expats never get past step one. They get one recommendation from one broker with one product and call it done. Here is what it actually looks like when someone is on your side.
Check Your PKV Refund Eligibility
Free
Whether you're a deep researcher or looking for immediate results — we have the tool for you.
The Deep Dive
The Expat
Architect's Guide
Prefer to understand the system yourself? Download our complete PDF breakdown of the German health insurance landscape and learn exactly how the GKV vs. PKV system impacts your net income.
60-Second PKV Savings Check
Refund Eligibility
Calculator
Stop guessing what you're leaving on the table. Use our eligibility engine to see your potential savings and estimated annual premium refund in under 60 seconds.
€4,200
Avg. Annual Refund
60s
To Your Result
Free
No Obligation
How the PKV Structural Audit Works
Structured. Precise. Yours.
We Find Where the Money Is Leaking
We review your payslips, current coverage, and income level. Within the first conversation you know exactly how much you are overpaying and why.
We Make Sure It Is All Legal
Every strategy we recommend has to clear the strict requirements of German authorities. No grey areas. No surprises later.
We Build Your Personal Plan
Not a template. Not a brochure. A plan built around your income, family situation, residency status, and long term goals.
We Handle Everything For You
Paperwork, transitions, provider communication. You do not have to deal with any of it.
We Check In Every Year
Your life changes. Your insurance should too. We review your setup every 12 months to keep it optimized.
Over 2,400 expats have gone through this exact process. It works because it starts with your situation, not a product catalog.
Let's Try ItIndependent PKV Advisory vs.
a Standard Broker. Why It Matters
Most agents in Germany work for one insurer. They get paid when you buy. We get paid when you get the right plan. That changes everything.
Most expats are guided by agents who earn more when you buy more. They are not bad people. They just work inside a system that is not designed for your benefit.
We built ExpatGuardian as a direct alternative to that. No insurer pays us. No commission structure shapes our advice. We get paid when you get the right plan.
That is the only way this works.
"If we cannot improve your situation, we will tell you that too."
ExpatGuardian Principle
Fully Independent
Zero affiliation with any insurer. Our only obligation is to your financial outcome.
Client First
Every recommendation is built around your income, residency status, and long term goals.
Fully Compliant
Operating within German regulatory frameworks. Transparent, documented, and accountable.
You Have Seen What Overpaying Looks Like. Now Stop It.
Every month you wait is money that does not come back. Fifteen minutes with us and you will know exactly what you are losing and what it takes to fix it. No guesswork. No surprises.
See My Savings in 15 MinutesNo obligation.
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