
- Health Insurance (Public vs. Private)
Which health insurance is mandatory? Am I allowed to choose private insurance? What is cheaper or safer long-term?
- Basic Personal Insurance (Liability & Income Protection)
Do I need personal liability insurance? Can foreigners get disability or income protection insurance in Germany?
- Loans & Financing as a Foreigner
Can I get a loan or mortgage with a Blue Card? Do I need permanent residence? How much equity is required?
- Credit Score (SCHUFA) & Financial Eligibility
What is SCHUFA? How do I build credit history in Germany? Why am I rejected for financing?

EMBS (University Mannnheim)
Isabelle Helme is a certified insurance broker and a certified mortgage broker.
- Working for Expats as an independent financial advisor since 2009
- 100% Independent & Free of Charge
- Consultations Online via video in Germany or in person in the Hemsbach Office (next Heidelberg)
- Free App to manage your insurance contracts
- The consulation is free of Charge