Insurance Business Review: Specials Magazine

KLforExpats is a specialized firm that helps expatriates make confident, compliant health insurance decisions when relocating to Germany. It operates under KL Versicherungsservice GmbH, a licensed, independent insurance brokerage with a long-standing reputation for delivering expert, client-focused advisory services across Germany. Backed by this trusted foundation, KLforExpats, the Small but mighty firm, combines regulatory expertise with a human-centered approach—offering practical, tailored support instead of one-size-fits-all advice. As per German regulations, its services as a broker come at no cost to the client. The personalized guidance is especially crucial given that German law requires health insurance from the first day of residence or employment. For many expats, particularly those earning over €73,800 annually, this creates a time-sensitive challenge, as they are not automatically enrolled in public health insurance. They must choose between public and private coverage before receiving their first paycheck, often without access to clear, unbiased advice. Missing this window can lead to retroactive premium charges, payroll complications, lost employer contributions or even visa delays. KLforExpats takes the stress out of the process with fast, unbiased support delivered in fluent English. With deep expertise in both public and private insurance, especially the nuances of private coverage, it empowers clients to make confident decisions and move forward with clarity and peace of mind. “Expatriates often feel lost in the jungle of German health insurance,” says Mirja Lundehn, co-founder. “We give them clarity, a sense of security and the guidance they need to make the right decision.” Lundehn, a licensed insurance expert with over 25 years of experience, works directly with clients to clarify legal requirements, translate fine print and ensure HR and immigration compliance. While she leads the advisory process, KLforExpats’ strength lies in its collective effort. The firm’s dedicated Customer Happiness Team plays a crucial role in supporting clients, handling follow-ups, providing clear explanations and ensuring every case progresses without delay. This collaborative approach is especially valuable in a system where 98 percent of insurers offer no English-language support, leaving many expats without clear guidance. At KLforExpats, clients never deal with bots or junior staff. Instead, they benefit from Lundehn’s deep expertise, which opens doors to exclusive broker-only plans and allows for highly personalized solutions, especially in complex situations like preexisting conditions, short-term assignments or international relocations.