Your health insurance specialist
Schaumburg & Kramer is an insurance broker specialized in foreign employers and visitors in Germany.
We accompany you from the beginning you arrive in Germany and we will support you in every situation around health insurance and other insurance matters. Every new life situation can be get organized and leased by us, so that you can focus on the important things of life.
We process documents, proposals and confirmations, we support in insurance and bureaucretic matters and edit every insurance and damage case.
We look forward to new challenges and promise a fair consultation!
We are looking forward to helping and supporting you!
Contact us
or call: +49 2103 – 910 3342
Your health insurance specialist
Schaumburg & Kramer is an insurance broker specialized in foreign employers and visitors in Germany.
We accompany you from the beginning you arrive in Germany and we will support you in every situation around health insurance and other insurance matters. Every new life situation can be get organized and leased by us, so that you can focus on the important things of life.
We process documents, proposals and confirmations, we support in insurance and bureaucretic matters and edit every insurance and damage case.
We look forward to new challenges and promise a fair consultation!
We are looking forward to helping and supporting you!
Contact us
or call: +49 2103 – 910 3342
Insurance obligation in Germany
In Germany everyone must have a health insurance. Depending on which conditions you meet,
– you are compulsorily insured by a statutory health insurance company,
– you must voluntarily insure yourself by a statutory health insurance company or
– you choose a private health insurance (PKV).
But: Everyone need health insurance cover!
Insurance obligation in Germany
In Germany everyone must have a health insurance. Depending on which conditions you meet,
– you are compulsorily insured by a statutory health insurance company,
– you must voluntarily insure yourself by a statutory health insurance company or
– you choose a private health insurance (PKV).
But: Everyone need health insurance cover!
Benefits
We are able to clarify all ambiguities, when you work in Germany (for the first time)!
We try to offer you all possible variants, so that you can start perfectly into your work life!
“We look over the edge of the plate and see the big picture!”
We do not just support you in insurance matters, but also in general / bureaucratic / official matters!
Easy
We are fast, spontaneous and flexible…! We are able to manage a lot of things in the background for you!
Independent and freelance
As a broker we can offer you everything on the market! We compare every German company and every tariff for you!
Individual
Because of the complexity of health insurance in Germany, every case is different and you have to look at it individually!
Reachability
You can contact us anytime and we promise an answer within 12 hours! Your contact options: mail, phone, Skype, WhatsApp, FaceTime, …
Experience
We have many years of experience and we already advised a lot of people, who came to Germany and always found a suitable solution!
Awarded
In the last years we received more and more reccommendations of our clients and customers!
This is the biggest success, you can have !
Benefits
We are able to clarify all ambiguities, when you work in Germany (for the first time)!
We try to offer you all possible variants, so that you can start perfectly into your work life!
“We look over the edge of the plate and see the big picture!”
We do not just support you in insurance matters, but also in general / bureaucratic / official matters!
Easy
We are fast, spontaneous and flexible…! We are able to manage a lot of things in the background for you!
Independent and freelance
As a broker we can offer you everything on the market! We compare every German company and every tariff for you!
Individual
Because of the complexity of health insurance in Germany, every case is different and you have to look at it individually!
Reachability
You can contact us anytime and we promise an answer within 12 hours! Your contact options: mail, phone, Skype, WhatsApp, FaceTime, …
Experience
We have many years of experience and we already advised a lot of people, who came to Germany and always found a suitable solution!
Awarded
In the last years we received more and more reccommendations of our clients and customers!
This is the biggest success, you can have !
Options
Top
- Deductible / own share of 1.000,00 € per year
- Tied to the family doctor
- Shared and more bedded room for inpatient stay (hospital)
- NO chief doctor or specialist (hospital)
- Up to 70% dentures
Premium
- Deductible / own share of 500,00 € per year
- Tied to the family doctor
- Single or double bedroom (hospital)
- Chief doctor and specialist (hospital) insured
- Up to 80% dentures
Premium+
- No deductible / own share
- Free choice of medical doctors
- Single bedroom (hospital)
- Chief doctor and specialist (hospital) insured
- Up to 90% dentures
About us
Schaumburg & Kramer is a company based in Hilden near Düsseldorf and have been pursuing the goal of meeting our customers on an equal footing and building a long-term customer relationship.
After our school career, we got to know each other in August 2008 in our training as a businessmann for insurance and finance at a large health insurer based in Cologne.
During the 2 ½-year training, we realized very quickly that our future is not in the office, but much more in external sales. After successfully completing our training, we remained loyal to our training company and began work in February 2011 as so-called exclusive agents for a group in Cologne.
We quickly realized that acting as an exclusive broker can not satisfy our customers or us in the long term.
For this reason, we decided at the end of 2011 to continue our journey as a freelance and independent insurance broker.
The concept was quite simple: „advise everyone as if he / she is your best friend!“
Today we are sitting in Hilden near Düsseldorf and do not only consult people in our region, but throughout Germany.
From the beginning we started consulting in English and noticed, that this fact is an unique selling point. Nowadays we have all answers to the questions foreigners have. And if not, we look forward to new challenges and promise a solution!
Our goal is not the quick conclusion of a contract, but a long-term and trusting customer relationship.
We are pleased to meet you and to prove to you that the topic of insurance is much more pleasant with us as a partner.
Our guarantee
- We guarantee a fair, extensive, foresighted and goal-oriented treatment / consultation!
- We look forward to new challenges and promise a fair consultation!
- We are motivated to improve us more and more for the future!
- We find a solution, that is tailored to you!
- Only if you are satisfied, we are, too!
We advise everyone as if he / she is our best friend!“
Additional important information
Please note, that you have enough time to choose a suitable health insurance for you!
Normally you have a two-month period for this decision and can close this contract backdated to your work beginning!
If there is a step, you are not sure about, please feel free to ask us!
Testimonials
A competent, insightful advice from a very friendly, technically very qualified
Employee. Here I feel in good hands.
I was very satisfied with the commitment of Mr. Schaumburg and would call on his advice at any time. Conclusion: Highly recommended.
Mr. Kramer has taken a lot of time, illuminated each question in detail and provided suggestions and helped me a lot in other bureaucratic concerns.
From the first contact to the contract signing the service was excellent. The advice was competent, friendly and purposeful. All queries were answered very promptly in full. All in all a very good service, which I would use again at any time.
Great advice from Mr. Schaumburg. At any time approachable he takes a lot of time to clarify all open questions and to discuss the topics in detail. I feel well looked after and advised. Thank you very much!