Free Tools for Insurance in Germany
Four things you can work out yourself, in English, before you talk to anyone. Everything runs in your browser — no registration, no data sent to us, no follow-up call unless you ask for one.
Work Out the Numbers
BU Cost Calculator
What would disability insurance actually cost you? Enter your age, job and desired monthly benefit for an estimate based on 2026 market data. About 30 seconds.
Estimate my premium →Retirement Gap Calculator
The German state pension will replace less of your income than most people expect — and fewer contribution years makes it worse. See the gap in figures.
Calculate my gap →GKV vs PKV Quiz
Public or private health insurance? A handful of questions about your income, status and plans, and a clear indication of which system fits.
Take the quiz →If You Have a Pre-Existing Condition
Why this matters more than it sounds
In Germany, insurers share information about declined applications. A single rejected disability or private health application can follow you for years and make cover harder to get anywhere else.
An anonymous inquiry avoids that entirely: you find out where you stand before anything is filed under your name.
What These Tools Do Not Do
They give you an orientation, not a quote. Real premiums depend on your health history, your exact occupation, the insurer's current underwriting rules and the contract terms you choose — and those only become clear in an actual comparison.
Treat the results as a starting point for a conversation, not as an offer. If a number surprises you, that is usually the most useful outcome.