Hello!
I’m Christoph Huebner. I’m a
- perpetual traveler,
- e-Resident of Estonia,
- insurance broker and
- MD of this company.
Let me share my story with you.
Curious traveler
I’m intrigued by places that are not on most tourist maps.
I’ve been an entrepreneur all my life, started my first business with 16 and have never signed an employment contract for myself. My career started in the marketing industry but for more than a decade I am working on the modernization of the insurance industry.
Christoph’s personal health insurance setup
Unlimited worldwide coverage with a long-term plan
I’m happy to share all the information about my own setup: I’m with a company called Barmenia. It’s a midsize German insurance company and one of those which are more friendly towards the international adventures of their customers.
I have started this contract back in 2004 with a monthly premium of around 250 Euro, today I’m close to 440 Euro. I have changed my annual deductible since then from 340 Euros per year to 1.440 Euros. And in 2017 I have added the component WS2+ for the unlimited worldwide coverage which costs 12,15 Euros per month.
For people from the US or many other countries it’s hard to believe that something like this even exists. But yes: My German full private health insurance will not become more expensive year by year according to my age and it can’t ever be terminated by the insurance company. Even if I stopped paying for it they have to give me at least some basic pain killer treatments and won’t let me die.
The premiums may basically only be raised in alignment with the medical inflation and general changing life expectancy caused by medical progress.
This works as German health insurance policies aren’t calculated like damage insurances but like life insurances: They have to take your estimated medical costs during your whole lifespan into calculation and also your expected time on earth. Simplified then this sum is divided by the calculated number of months and that’s what you pay from the first month.
That’s the explanation for the relatively high price today while I’m young. But it also means that I won’t expect any surprises that go beyond an annual adjustment of more than five percent in average. Actually it’s been lower than that and there have been years when the adjustment even went downwards.
