Doceo et Praecipio   ( Inform and Advise ) 


 About us

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Visas and Resident Permits



Living away from home?    

Need to adapt to a different culture and different language? 




 Understanding the small print of insurance contracts is daunting


 enough in your own language – never mind in a different one. 
Please see our English and German Language pages. 




People from all over the World come to Germany to experience 


the beautiful countryside, the food, drinks and the local culture.
   Many come just for a short term – maybe 1 year - or maybe longer.    




Quite often those who have come for just a year end up staying longer.  


But apart from enjoying the country and all the great experiences,
there is also a ‘great’ bureaucracy – and surprisingly this does tend to be in German!




Whatever your reason for coming to Germany, 
and from whichever country in the world you are coming
and whatever you will be doing, whether employed,
self-employed/freelance, unemployed or study etc., 
you will need specific professional advice and help, probably in English, 
in respect of recommended or even compulsory insurances. 

        Spectrum International is an authorised and registered Insurance Broker in Germany.   
        We provide advice on, and arrange, German Private Health Insurance, German Public Health Insurance   and approved International Health insurance.  



        Health Insurance in Germany is complex and may vary from person to person.  


        If you have seen, heard or received information from any source - well intentioned as this may be           - please nevertheless do ask us and we will give you a professional opinion and appraisal of suitability        for your own personal circumstances.                

        All our advice is free of charge and non-obligatory.  The rates we quotes are those set by the                insurance companies. We do not make any additional charges or fees.