Problem 0101
Insurance is confusing
Too many providers, too much fine print, too little clear advice — you end up either underinsured or paying for contracts you don't need.
For Indian expats & entrepreneurs in Germany
Save on insurance, secure your future in Germany.
Most expats overpay for German insurance. Through a selected network of trusted partners, I find the right cover, cut your costs and set up health, pension and investments — in English, Hindi, Punjabi or German. Free, no obligation.
Sumeet Loi
Finance & Insurance Expert
500+
Clients advised
7+
Years of experience
4
Languages: EN · DE · HI · PU
0 €
Cost to you
Private health insuranceBusiness insuranceETF & investment plans
Sumeet Loi
Finance & insurance expert
Join the community
A partner who understands your journey in Germany.
IndischVersichert supports individuals, families and entrepreneurs from the Indian community — from your first job in Germany to running your own business. We focus on long-term relationships, clear language, and solutions that actually fit your life.
- Personally guided community
- Advice in EN · DE · हिन्दी
- Selected partners & transparent
Why you're in the right place
Why so many people in Germany stay financially unsure.
Problem 0202
The German pension isn't enough
Relying only on the state pension leaves a dangerous gap later on. Without your own strategy, valuable time is lost.
Problem 0303
Wealth building gets postponed
Without a clear plan, the right partner guidance, and someone who speaks your language, saving never turns into real, long-term wealth.
My specializations
Three areas where I go deep for you.
Instead of doing a bit of everything, I focus on the topics that have the biggest impact on your life and business in Germany.
Specialization 01
Private health insurance (PKV)
Solutions from selected partner providers, honest advice on long-term costs and the right tariff for employees, freelancers and self-employed.
- Tariff selection from partner providers
- Switch from public (GKV)
- Family & child coverage
Specialization 02
Business insurance
Protection for your GmbH, UG, freelance work or Gewerbe — liability, legal, cyber and everything a business in Germany needs to stay safe.
- Professional & public liability
- Legal & cyber protection
- Employee benefits
Specialization 03
ETF & investment plans
Build long-term wealth with cost-efficient ETF portfolios and tax-smart investment plans tailored to your goals and timeline.
- ETF savings plans
- Tax-optimized structures
- Retirement wealth building
Who is this advice for?
Is this a fit for you?
Not for you
If any of these apply
- You're looking for quick tips without a personal conversation.
- You want an anonymous online product without any advice.
- You're after a one-off transaction rather than ongoing support.
- You expect guaranteed returns without realistic planning.
Made for you
If you recognise yourself here
- You want to finally set up your finances in Germany properly.
- You'd like advice in EN, DE or Hindi — as an equal.
- You're looking for a long-term partner, not a salesperson.
- You want to understand insurance, pension and wealth as one whole.
What clients say
Trusted by people who call Germany home.
"I finally understood how the German insurance system works. No sales pitch — real advice."
R. K.
Software Engineer, Frankfurt
"Clear recommendations, no wasted time. It feels like talking to a smart friend who really knows the field."
S. M.
Data Scientist, Munich
"As a self-employed founder I needed clarity on both personal and business side. Now they finally fit together."
A. P.
Founder, Berlin
How the advice works
Four steps to real clarity.
Step 01
Analysis of your situation
Together we look at where you stand today — income, contracts, family, plans. Everything on the table.
Step 02
Tailored strategy
Based on the analysis we build a clear strategy for protection, retirement and wealth building.
Step 03
Implementation & selection
We select from our trusted partner network and only implement what truly fits you.
Step 04
Ongoing optimisation
We stay reachable — for questions, forms, new contracts or official mail in German.
Ready for the next step?
Ready to take your finances to the next level?
Book your free 30-minute intro call now. No obligation, no sales pressure — just honest advice in the language you're most comfortable with.
FAQ