KLforExpats

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.

The process begins with a detailed intake form covering income, employment, health history and personal circumstances, ensuring that every consultation is targeted and relevant. Most clients receive a personal response from Lundehn within 3 to 6 hours of their inquiry, followed by a self-scheduled Zoom video call via her calendar. For urgent cases, KLforExpats can complete the entire health insurance application process within 48 hours. Rather than pushing products, Lundehn offers thoughtful, unbiased advice tailored to each client’s goals. She explains contribution structures, premium forecasts and how covering dependents separately impacts overall costs, especially in private plans.

Beyond enrollment, KLforExpats also helps long-term residents plan for future life stages—accounting for children, retirement and inflation. Lundehn advises clients on adding contribution relief components early to keep private plan premiums manageable over time. For those seeking income protection, the firm offers solutions such as daily sick pay in the event of long-term incapacity.

For clients with preexisting conditions or past insurer rejections, KLforExpats offers anonymous pre-assessments to discreetly explore viable coverage options. When time is critical, the firm secures access to private plans that bypass health checks and issues them within 24 hours.

KLforExpats also helps set up corporate health insurance plans for companies competing for global talent, offering a streamlined, no-hassle path to coverage that strengthens their appeal as an employer. Although rare in Germany, these corporate arrangements allow employees and their families to enroll without medical assessments, accelerating onboarding and ensuring compliance with HR and visa requirements.

For less complex needs such as motor or household insurance, clients are referred to a trusted sister company, allowing KLforExpats to stay sharply focused on its core mission: guiding expats through Germany’s most critical health insurance decisions.

What clients appreciate most is the ongoing support. Lundehn and the KLforExpats team remain available after enrolment, answering questions, assisting with payroll or visa paperwork and updating policies as situations evolve. With WhatsApp-based communication and rapid response times, KLforExpats ensures clients feel cared for and not lost in a bureaucratic system.

Choosing the right health insurance plan can be one of the most complicated hurdles when relocating to Germany, but with KLforExpats’ expert support and tailored solutions, it becomes a clear, confident choice made with ease.