Planning early retirement
You’re eyeing the exit a little earlier: more freedom, fewer status meetings. Sounds good, but the numbers need to line up. Between leaving work and the state pension, health cover and steady income must be sorted. Better to tidy it now than pay for surprises later.
Essential cover
for this moment
Public Health
Leaving work before pension age? In Germany you must keep continuous health cover. Statutory insurance keeps care and contributions predictable during the gap years.
Private Health
If you qualify, private plans can offer stronger benefits and tailored premiums in early retirement. Useful when leaving employer coverage or going self‑employed.
Private Pension
Bridges the income gap between your last paycheck and the state pension. Set flexible payouts so fixed costs are covered while you enjoy life without full‑time work.
Income Protection
Early exits can involve contract changes, severance, or pension claims. Legal cover helps with advice and costs if negotiations or paperwork turn into disputes.
Trustpilot reviews
One App. All your Insurance.
Easily manage all your insurance policies in a single app. From clear overviews of your coverage to instant claim submissions, we put you in control of your insurance so you can get back to what matters.
24/7 claims service
Got questions or want to file a claim? We’re there for you right in the app to give you help right at your fingertips.
100% in English, 100% digital
Tired of insurance in German? No problem. We're 100% digital and fully available in English, from the app to your policy. Manage everything you need, hassle free.
Safepoints™ Earn. Save. Repeat.
Our Safepoints™ feature helps you actively save on your premium. You earn points by making safe choices, like completing quizzes, and for maintaining a liability-claim-free record. It's a simple way to get rewarded for being a responsible policyholder.
Get help your way
We believe getting help should be easy. Choose between our intelligent AI, a human expert, or a professional consultant to guide you through your insurance questions and needs, all on your terms.
Best Price. Best Product.
We offer you the perfect blend of great prices and a top-tier product. It's the ideal combination of high quality and affordability, designed to give you the most value for your money.
Long term but flexible
With our long term yet flexible policies you get the best of both worlds. We offer great prices and comprehensive coverage you can count on for the long run while giving you the freedom to easily make changes or cancel anytime all within the app.
Have questions?
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