Sven Chalupa · Berlin & online across Germany
Private health insurance, income protection and retirement planning — explained in English, with your life in Germany in mind.
I’m Sven Chalupa. Meet me in Berlin or get advice online from anywhere in Germany. We’ll look at your situation, work through the options and make the details understandable.
Free advice · Insurer-paid commission for insurance arranged through me. How I’m paid
Where we start
Whether you’ve just arrived or have lived here for years, start with the question that matters most to you.
Private Krankenversicherung · PKV
Considering private cover? We start with your eligibility and whether a change fits your circumstances. Then we discuss benefits, health questions, family plans and long-term affordability.
Explore private health insuranceBerufsunfähigkeitsversicherung · BU
What would happen to your finances if illness or injury affected your ability to work? We look at occupational disability insurance, a suitable monthly benefit and the conditions behind the cover.
Explore income protectionAltersvorsorge & investments
Build a plan around your goals, existing provision and the flexibility you need. My advice covers private pensions, Basisrente, workplace pensions and investment accounts.
Explore retirement planningPrivate health insurance
Choosing between public and private health insurance can shape your finances for years. A useful comparison starts with your employment status, insurance history and personal plans.
We discuss the cover you need, deductibles, potential changes in income and the cost of covering your family. For private insurance, the tariff, your age at entry and health assessment influence the premium. Benefits depend on the contract.
The aim is to understand both the advantages and the commitments before you make a decision.
Read the health insurance guideOccupational disability insurance
Your ability to work helps pay for everyday life and future plans. In Germany, occupational disability insurance is usually called BU.
BU can provide an agreed monthly benefit if you become unable to carry out your occupation under the policy’s conditions. The definition of disability and the terms of the contract matter.
We discuss your occupation, existing protection, the amount and duration of cover, and how to approach the insurer’s health questions.
Read the occupational disability guideRetirement planning in English
How much can you set aside? What have you already built up? How important is access to your money? These questions help us compare the following options in the context of your life.
Compare contributions, payout options, guarantees where offered, investment choices and the policy’s costs.
Discuss whether this form of retirement provision fits your circumstances, including its restrictions and the tax questions to clarify.
Review the arrangement available through your employer, contributions and what changing jobs could mean for your plan.
Consider investments alongside pension products, with attention to risk, costs, access to your money and your time horizon.
If you may move abroad, bring that into the conversation early. We can identify the questions that need checking before you commit. Investment values can fall as well as rise.
Discuss your retirement plansYour adviser
I offer English-speaking insurance and retirement advice in Berlin and online across Germany.
My focus is private health insurance, occupational disability insurance and retirement planning. I explain the German terms as we go, so you can ask questions and understand the options we discuss.
You can meet me in person in Berlin by arrangement, or choose an online consultation wherever you live in Germany.
The consultation
We discuss your situation, priorities and existing arrangements. You don’t need to know which product you want.
We work through relevant benefits, limitations and costs. You can ask questions in English throughout.
You decide whether to proceed. If you do, we discuss the application and the information needed.
Costs & commission
My advice is free of charge. For insurance arranged through me, I receive commission from the insurer. You do not pay a separate advice fee.
Insurance premiums, policy charges and investment costs still apply. We discuss the relevant costs and remuneration for the option you are considering before you decide.
Questions before we speak
Let’s talk
Book a free consultation or send me a short message. Advice is available in English, in Berlin and online across Germany.
In-person meetings in Berlin by arrangement.
Online consultations throughout Germany.
Business address: Hennigsdorfer Str. 15a, 13503 Berlin.
Book a free consultation