Insurances

Private Liability Insurance

For all the unexpected situations

Life happens and you never know when you might need Private Liability Insurance. It seems that every one of us has such a situation when you accidentally break your friend’s mug or push someone unintentionally on the street - all of those are just minor examples of situations when we cause some damage to the others. In such a case, no matter whether it is Personenschäden (person damage), Sachschäden (object damage) or Vermögensschäden (wealth damage), your Private Liability Insurance would pay the costs incurred.

Private Liability Insurance is one of the must-haves that German residents are highly recommended to get. Therefore Expatrio, in cooperation with ELEMENT, introduced a special offer - Private Liability Insurance that is available to everyone, and what is more, adjustable to your personal profile and needs. 

By applying here you can choose the size of your household (whether you live alone, with a partner or partner and children), your age, deductibles (whether you want to pay yourself the damages that are below €250 or you want the insurance to cover all the damages) and the number of previous private liability-related accidents you had in the last 5 years if any. Given all this information we will be able to provide you a set of specially tailored solutions with 3 different levels of coverage depending on your needs and preferences. Apply now and let us adopt the insurance for your unique case.

Household Insurance

Protect yourself from unnecessary household problems

After coming to Germany you might find out that the way real estate is approached here is different from what you are used to having in your motherland. Starting with the apartment search and ending with Household Insurance the things work differently here and you need to be prepared. 

One of the ways to prepare is to get yourself Household Insurance which will protect your wallet from the issues that might happen to the belongings which you have in your house or apartment. This also applies if you are living in a Wohnungsgemeinschaft (shared flat) which is quite common for students. Imagine damages by water leakage or domestic fuel - the financial impact can be quite high. Also if someone breaks into your flat, you want your mobile phone, laptop, and valuable items to be insured. This is what the Household Insurance does. 

To make sure that you don’t overpay for the unnecessary services you will be asked to provide a few details (your age, size of your apartment, postcode, deductibles and number of previous household-related accidents), which will help us find the offer to suit your actual needs. No matter of the type of profile you have you will always get a choice among 3 options of insurance allowing you to adjust it to your actual need even further. 

Don’t adjust to the solutions out there, find a solution that can be adjusted to you. Apply for the Household Insurance from Expatrio and ELEMENT right now!

Repatriation Insurance

Coverage even for the most sensitive issues

Health Insurance is probably one of your main concerns when moving to Germany. However, one very important issue that can be easily forgotten at that moment is: "What happens in the worst-case scenario of an unexpected demise?"

Expatrio wants to make sure you feel safe and protected even in a sensitive situation like this one. That’s why we’ve partnered with ELEMENT to offer you Repatriation Insurance, which takes into account your religious beliefs, and includes:

• Repatriation of the body in case of death by air or land route
• Professional assistance for relatives 
• Sensible coverage extension for public health insurance

Repatriation Insurance is very affordable as it costs only €13.80 for the whole year. After one year, the coverage will be terminated automatically. Repatriation Insurance is not a part of any of the Expatrio packages, still, if you want to have it, you can acquire it independently by contacting us.

Stay Safe Package

The perfect insurance mix for international students

Based on the fact that all international students should have the opportunity to get the same insurance coverage most Germans hold, we’ve partnered with ONE Versicherung to offer you a mix of Liability and Travel Insurance. Our Stay Safe Package is the result of all that Expatrio believes is essential for a safe and seamless arrival in Germany. 

ONE, a digital insurance company, and Expatrio provide you the Stay Safe package, which includes:

1. Compact Private Liability Insurance: covering you in case you harm someone or break something. For example: breaking someone's glasses, spilling some red wine on someone's carpet or dropping a friend’s phone.
2. Travel Smart Insurance: covering damages, loss or theft of your beloved belongings (up to €2.500), your laptop (up to €1.500) or mobile phone (up to €1.000), on your journeys within Germany and abroad up to 28 days.

You can opt for the Stay Safe Package as part of your Value Package and Health Insurance Plus. The service is free of charge for the first year, meaning you'll save €117 for this coverage. After one year, the coverage will be terminated automatically.