Welcome to Spectrum International

Founded in 1985 by Michael J Woodiwiss, Spectrum International is now well established as a specialist adviser to expatriates of various nationalities.
....and we do have our own office!

Spectrum works together with only the best and major leading insurance companies and financial institutions, which have substantial financial strength, the highest levels of integrity and expertise and are approved to operate in Germany by the German Financial Services Authority (Bundesanstalt für Finanzdienstleistungsaufsicht – BaFin).

Cornelia Woodiwiss is a Insurance Broker with the German Chamber of Commerce. Reg. No. D-RB28-X3B7Y-01. Spectrum provide advice and information on the international aspects of Health Insurance, Retirement Planning, Life Assurance and other general insurances.

Our Services, including advice and quotations are free and without obligation.

We advise individuals, as well as companies that employ international workers, and we are able to offer appropriate and relevant plans that provide the flexibility and international portability required.

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 whatever you will be doing - whether employed, self-employed/freelance, unemployed, au pair or study, you will need specific professional advice and help, probably in English, in respect of recommended or even compulsory insurances. Health Insurance in Germany is compulsory and complex and invariable differs from person to person. If you have seen, heard or received information from any source - well intentioned as this may be, please do ask us and we will give you free professional advice opinion and appraisal of suitability for your own personal circumstances.


Living or working away from your home country? Need to adapt to a different culture and different Language? Need help on the international aspects of insurance and pensions?

Please click on the tabs above for general information and contact us for further details and free individual advice