Yes, you can end your contract early by providing a reason. A phone call is enough.
Of course, you can also send us a message using the contact form. If the contract ends as scheduled, no cancellation is necessary.

Yes, you can cancel the contract free of charge at any time before the insurance begins. Just use the contact form or give us a call during our business hours.

Yes, you can change your plan at any time before the contract starts. If your contract has already begun, you can simply apply online for the new plan. We’ll cancel your current contract and set up the new one for you.

Whether you need a visa depends on your country of origin. If you're a citizen of an EU or EEA country or Switzerland, you can enter Germany and start working without a visa. If you're from a non-EU country, you'll need a residence permit. Your professional qualifications will also be reviewed as part of a recognition process.

Yes, the contract ends automatically at the agreed end date. You don’t need to cancel it.

Send us a quick message through the contact form or call us during our business hours. We will send you the form to update your bank details.

You can extend your insurance via email, phone, or online.

Please make sure to submit your extension request before the agreed insurance end date to avoid any gaps in your coverage.

If you want to bring a caregiver from abroad to take care of a dependent person, you have two options to legally employ them.

• Employer model: The dependent person or a family member hires the caregiver directly. As the employer, the family must handle all formalities, including determining working hours and duties, paying taxes and social security contributions, and registering with the relevant statutory accident insurance.

• Secondment model: The dependent person or family member hires a foreign company through an agency, which then sends the caregiver. You are essentially using the services of a foreign company and paying a monthly fee as specified in the contract.

If something changes for you, such as your phone number, we should be informed. Feel free to use the contact form for your message. On weekdays, you can also reach us by phone. However, any changes to your bank details must be communicated to us in writing.

The easiest way to recognize a reputable care worker placement agency is when it comes recommended by a trusted person. If you don't have someone in your environment who can provide advice, you should pay attention to the following factors:

• Age of the agency: A longer business history signals reliable business practices.

• Consultation offer: A reputable agency is easily reachable and offers a free, no-obligation consultation.

• Transparency: Trustworthy agencies offer multiple candidate suggestions to choose from and leave no questions unanswered in legal matters: legally sound service contracts, provision of an A1 certificate (proof of social security), and acceptable termination conditions.

In a phone call or via email, we can discuss your individual needs and requirements and then establish the terms for a framework agreement.

If it turns out at the end of the year that adjustments are necessary, we can make changes for the next season.

You can easily take out KLEMMER insurance online. Simply choose the appropriate insurance product. For incoming products (for newcomers), you can calculate your individual contribution and take out the product directly on our website. You will then receive your insurance certificate immediately. For outgoing and other products, we will redirect you to the websites of our insurance partners, where you can also take out the product online.

If you choose to take out the insurance by mail or fax, we will need a few business days to process it. Once we have finished, we will send you the insurance certificate.

KLEMMER calculates on a daily basis. This means that if your contract ends early, any overpaid contributions will be refunded to you.

There is no one-size-fits-all answer to the question of how much a caregiver from abroad costs. The costs depend on factors such as qualifications, country of origin, working hours, employment model, and other variables. A realistic estimate would be around €3,000 per month for a full-time caregiver, including wages, room and board, travel costs, and social security in the employer model, or placement fees in the sending model.

Yes, your online application is processed via a secure connection. Your data is used solely for the purpose of fulfilling the insurance contract. You can find more information on our data protection page.

Some plans offer premium refunds under certain conditions. Please check the product information for details.

The main advantage of KLEMMER insurance solutions is the precise daily billing. With us, you only pay for the days you want to be insured. Additionally, we only offer policies with no deductible. In the event of a claim, the insurance covers all costs. Furthermore, you benefit from an easy online application process. When you book insurance on our website, you will receive an email shortly afterward with the insurance confirmation and all other documents you need for consulates and authorities.

You will receive your insurance certificate, consumer information, treatment vouchers, and a guide from us. The insurance certificate proves which product you have purchased with us. It also serves as proof of insurance, for example, for authorities. The consumer information provides detailed information about the contract terms. You will need the treatment vouchers to present in doctor's offices. This way, the medical staff knows which services the insurance covers and how they can bill for them.

Additionally, you will receive an insurance card in the size of a bank card (EC card). The payment plan, showing when each contribution is due, will be sent to you separately.

If a direct debit is returned, for example due to cancellation, incorrect information, or insufficient account funds, your insurance coverage is at risk. This should definitely be avoided. First, we do not provide insurance benefits in case of payment arrears, and second, additional costs may be incurred for the extra effort.

Care workers usually provide support without holding formal medical qualifications. They assist with basic care tasks such as washing and dressing people in need of care. They also often help with household duties like shopping and cooking. Tasks that involve medical care – such as administering medication or measuring blood pressure – are strictly reserved for trained and certified nursing professionals. That’s why many families combine the help of a care worker with services from an outpatient nursing service.

The KLEMMER Guarantee applies to our Incoming products – insurance solutions for people entering Germany from abroad. This guarantee includes day-accurate billing, outstanding benefits that go beyond standard coverage, and a quick online sign-up with immediate insurance confirmation via email.

The KLEMMER Promise applies to all insurance products we broker between insurance companies and policyholders. It stands for our commitment to carefully selecting and regularly updating third-party insurance offers to always provide our customers with the best possible options. Since our founding, we’ve worked exclusively with reputable and trusted insurance partners. As a German company, we guarantee the highest level of reliability, excellent service from our knowledgeable and dedicated team, and data protection that meets the strictest standards.

When booking online, you can pay your contributions as follows:

• SEPA Direct Debit: You authorize us to collect the contribution from your account, either as a one-time payment or in monthly installments.

• Credit Card: We charge your credit card for the full amount of the contract period in advance.

• PayPal: You pay using your email address and password.

For special insurance products (e.g., framework agreements), other payment methods may also be possible. Just get in touch with us if needed.

What you should do in the event of illness or a claim is explained to you on this page.