Spectrum International

Doceo et Praecipio   ( Inform and Advise ) 

 

 

Spectrum International is a Broker but on this website we focus on the compulsory Health Insurance and other important recommended products for Germany.  

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HEALTH INSURANCE

1.  INTERNATIONAL PRIVATE INSURANCE

The following International Insurances are suitable for all Self-employed (Freelance) expatriates They meet the requirements for the issue of residence permits for non-EU Citizens. 

They do not have any limits on duration, but anyone intending to remain in Germany long-term should consider a German Private Insurance at some time.  We can provide details and quotes and can arrange as required.


aLC - Global Health  

Click on the logo for quotes and apply direct - or contact us by completing the Contact Form in the panel on the right.


Cigna - Global Health Options

Contact us direct by completing the Contact Form in the panel on the right or you can.do your own quotes and apply direct online at the dedicated Cigna-Spectrum link below:

https://www.cignaglobal.com/partnerQuote/tool?AffinityPartner=f08555ec77ff0bdca88b3a343aa27800&utm_source=broker&utm_medium=online&utm_campaign=brokerQuickQuote&utm_content=default&consultant=605996


 IMG Europe - International Medical Group

Click on the logo for quotes and apply direct - or contact us by completing the Contact Form in the panel on the right.


Morgan Price International

Online application not currently available.  Please contact us direct by completing the Contact Form in the panel on the right requesting Morgan Price quotes.

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Annual or Short-term contract 1- 12 months available.  Direct Website link not yet available.  Please contact Spectrum direct for more information.

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2. GERMAN PRIVATE INSURANCE

There are approx 40 German providers all offering several plans and all with many options - approx 6000 permutations - and rates ranging from around € 200 to € 700+ per month - more for older ages).  Please contact us for more details a. advice and quotes.  Please complete the Contact Form in the panel on the right requesting German Private Insurance information - (Privat Krankenversicherung - PKV)

3.   GERMAN TRAVEL INSURANCE

The following products are low budget, limited duration 'Travel Insurances' (Reiseversicherungen). These contracts are limited up to 5 years. but invariably the German Immigration will only allow them for 12 months.

They may not be suitable or appropriate for everyone and may be declined for residence permits for non-EU Citizens.    If in doubt please contact us.

Clicking on the logos below will open a new tab which then opens the online application and you can also then access the whole respective web sites for details of the products etc.

If you are not sure if these provide the cover that you need, then please contact us


Care Concept is a 6 months up to 5 year contract. (Care Concept is a daughter company of Hanse Merkur). Please click the following Care Concept logo - DETAILS IN ENGLISH and other languages:



Hanse Merkur AG 365 is a 1 year plan which can be extended up to 5 years.

Please click on the following Hanse Merkur logo for application form and details.




Hanse Merkur AGL 5 is a 5 year plan:

Please click on the following Hanse Merkur logo for application form and details.

 



Hanse Merkur RK365 is a travel insurance for travel outgoing of Germany 

Please click on the following Hanse Merkur logo for application form and details.