Insurance Check
The most important insurances for career starters
As a career starter you need the right protection – but not too much. We'll show you what's really necessary and where you can save.
Why an insurance check matters now
Starting your career changes a lot – including your insurance needs. Many young people are underinsured without knowing it.
After studies or an apprenticeship your insurance status changes – a lot is no longer automatically covered.
Without proper coverage, an accident or illness can quickly become very expensive.
Now is the best time to take out the right insurance at a good price.
A structured check shows you exactly what you really need – and what not.
We'll review your situation and show you what you really need.
What many people get wrong:
"My parents' insurance still covers me."
Wrong! Once you start working, you're usually no longer co-insured.
"I'm young and healthy – I don't need insurance."
Premiums are cheapest right now. Later, pre-existing conditions can make it harder to get coverage.
"Health insurance is enough."
Basic insurance only covers the essentials. Supplementary insurance for dental, glasses or travel abroad is often missing.
"My employer takes care of that."
Employer accident insurance has gaps – e.g. for leisure accidents under 8 hours/week of work.
We'll help you avoid these mistakes – and be optimally covered.
The most important insurances for career starters
Not everything is equally important. Here's the overview:
Health insurance
Basic insurance with the right model (HMO, family doctor, telmed) and sensible supplementary insurance.
Personal liability
Protects you if you cause damage to others. Essential and affordable.
Household contents insurance
Covers your furniture, electronics and valuables in case of burglary, fire or water damage.
Disability insurance
Secures your income if you're unable to work due to illness or accident.
Legal protection insurance
Helps with legal disputes – e.g. with your landlord or employer.
Vehicle insurance
If you have a car or motorcycle: liability is mandatory, comprehensive depending on vehicle value.
We analyze your situation and show you what you really need.
How your insurance check works
Four simple steps to your optimal coverage.
Taking stock
Which insurance do you currently have? What does your employer cover? Where are the gaps?
Needs analysis
We look at your life situation: job, housing, hobbies, health.
Concrete recommendation
You get a clear plan: what you need, what's redundant, what you can save.
Implementation & optimization
We help you sign up, switch or cancel – all from one source.
What you'll know after the check
You'll have clarity about:
Which insurance you really need
Where you're currently over- or under-insured
How much you can save on premiums
Which supplementary insurance makes sense
In short: you know exactly what to do – without unnecessary costs.
Frequently asked questions about insurance
Personal consultation
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Start your insurance check now
Free and with no obligation – get clarity in 30 minutes.
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