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Au-Pairs

  • Do I need a visa for an au-pair stay in Germany?

    Au-pairs from the European Union (EU), the European Economic Area (EEA), and Switzerland can enter and work without a visa. They are not subject to any labour market restrictions.Au-pairs from other countries (third countries) need a residence permit (visa or residence title).The visa must be applied for at a German embassy or consulate before entering the country. In some cases, proof of health insurance is already required at this stage.And don’t forget: A valid passport from your home country is required for entry and the entire stay.
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  • How do you find out which host families and Au-pairs are a good match?

    Think carefully in advance about what criteria are important to you. Courtesy and mutual sympathy are, of course, the most important. But also, points like diet, hobbies, and allergies matter. A vegan person might not fit with meat lovers, a couch potato might not fit with a sporty family, and someone with a dog allergy may not fit with a Golden Retriever in the household. Write down everything that matters, clearly state your expectations, and communicate thoroughly with each other, ideally through a video call.
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  • How far in advance should you start looking for an Au-pair?

    You should begin the search as soon as you have decided to host an Au-pair. This is especially true if you have very specific ideas about where your Au-pair should come from or which language they should speak. Many German host families prefer young people from English- or Spanish-speaking countries. However, there is also a high level of interest in coming to Germany as an Au-pair, especially among young people from Eastern Europe and Asia. So it might take a little time before you find the right match.
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Business travelers

  • Do I need business travel insurance?

    A lot can go wrong on a business trip – from a cancelled meeting to illness or delays.Business travel insurance helps reduce the risk of high cancellation, rebooking or medical costs.Often, it combines international health and travel insurance (cancellation, interruption, baggage).Coverage depends on the insurer and the plan – it's worth checking the details.
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  • Do I need to be reachable during a business trip?

    When you're on a business trip, it’s not realistic to act as if you’re still at your desk. There will be moments without reception or during security checks when you simply can’t respond. And don’t forget the very reason you're travelling: your actual appointments. It’s a good idea to make sure you're not overwhelmed while away. For example, arrange for a backup in your team beforehand. Setting up an out-of-office reply can also help – even if it's just to let people know you’re currently hard to reach and will get back to them later.
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  • How to counteract jetlag?

    It’s impossible to completely avoid the effects of jetlag, especially when crossing multiple time zones. Jetlag catches up with everyone who travels across time zones. However, there are things you can do to minimize its effects. One helpful tip is to gradually adjust your sleep schedule before your trip to match the time zone of your destination. If you’re traveling east, go to bed earlier to prepare, and if you’re traveling west, go to bed later. Once you arrive, staying hydrated, getting plenty of natural light, and taking short naps to fight fatigue will help you cope with jetlag.
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Contract

  • Can I cancel my contract early?

    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.
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  • Can I cancel the contract?

    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.
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  • Can I change my plan?

    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.
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Course participants of Goethe-Institut

  • Are language courses at the Goethe-Institut officially recognized?

    Absolutely! The Goethe-Institut is the international leader in German language education. With highly qualified teachers, modern teaching methods, personal support, and a globally standardized course level system, you can trust that your Goethe certificate is internationally recognized.
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  • Are there alternatives to language courses at the Goethe-Institut?

    The Goethe-Institut is clearly the leading provider of German courses for international learners.As an alternative, you can check out courses offered by adult education centers (Volkshochschulen) or the Carl Duisberg Centers.
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  • Do I need a visa for my language course in Germany?

    You only need a visa if you're coming from a country outside the European Union (EU). You can apply for it at the German embassy or consulate in your home country. If you have a job offer or family in Germany, make sure to mention it – this can make getting a visa easier.
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Healthcare workers & caregivers

  • Do I need a visa to work as a caregiver in Germany?

    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.
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  • How can I legally employ a foreign caregiver?

    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.
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  • How can I recognize reputable agencies for care worker placement?

    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.
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Language learners & students

  • Are language learners in Germany allowed to work?

    If language learners have a visa or residence permit for the purpose of language acquisition, it is usually valid for the duration of the course – up to a maximum of 12 months. During this time, they are generally allowed to work up to 20 hours per week.
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  • Can I study in Germany for free?

    Tuition fees were abolished in Germany in 2014. If you’re a citizen of an EU or EEA country, your first degree is free of charge – just like for German students. If you're from another country, different rules may apply. It depends on your home country, your study plans, and whether you already hold a degree. Ask the student advisory service at your chosen university for more details.
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  • Can international students receive BAföG?

    Students without a German passport (and without family holding German citizenship) usually aren’t eligible for BAföG – even if they meet other requirements. There may be limited chances for support if they have a long-term residence permit and a clear long-term perspective to stay, or if they come from an EU country, Switzerland, Liechtenstein, Iceland, or Norway.
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Vacationers & guests

  • Do I need a visa for Germany?

    Whether you need a visa depends on your nationality and how long you plan to stay. If you hold a passport from an EU country, Iceland, Liechtenstein, Norway, or Switzerland, you generally don't need a visa.Citizens of Australia, the UK, Israel, Japan, Canada, New Zealand, South Korea, and the United States can enter without a visa and apply for a residence permit later if staying longer than 90 days.For most other countries, a visa must be obtained from the German mission abroad before entering Germany.An up-to-date list of visa requirements by country is available at www.auswaertiges-amt.de.
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  • Do I need to take out travel insurance?

    Whether you need travel insurance for your stay in Germany depends on your nationality.If you come from a country that requires a visa to enter Germany, you must take out travel insurance before your trip – covering the entire duration of your stay. Without it, you won’t be granted a visa. This rule applies regardless of the purpose of your visit.If you're from an EU country, your domestic insurance usually covers you in Germany. However, it might not include all risks – such as costly return transport. That’s why it’s often recommended to get an additional travel insurance package.
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  • How to plan a group trip successfully?

    Planning group trips is a challenge, but with a little organizational skill, you can handle it. Here are three tips to help you out:Be clear: Collect all suggestions regarding destinations, transportation, accommodation, activities, and travel dates, and let the group democratically decide when and what should happen, and what costs to expect. Even if you're planning the trip on your own, keep everyone informed. This way, everyone will have a clear picture of the plan, and you'll avoid long discussions and misunderstandings before and during the trip.Save money: When booking for the group, you can often get group discounts. This applies to travel tickets, accommodations, and even travel insurance.Stay flexible: Allow for some free time during the trip. This way, your fellow travelers can decide whether to take a break or explore on their own. Everyone needs some personal time during a trip.
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Transparency you can trust

Real experiences, real security – what our customers say

The experiences of other insured customers are invaluable. They offer insights into real-life situations, build trust, and help you make informed decisions.

At KLEMMER, reviews are collected by ProvenExpert. See for yourself and benefit from the experiences of other customers.

Excellent

4.70 out of 5 stars

348 reviews

5.00
„Beste Versicherung mit kompetenten Mitarbeitern.Sind Dauerkunden und sehr zufrieden.Danke Frau Puhl für ihre Unterstützung heute und Grüßean ihre Kollegen!!“
L.
4.67
„Schnelle Antwort und unkomplizierte direkte Kostenabrechnung der Behandlung mit dem Krankenhaus. Per E-Mail und Telefonisch sehr gut erreichbar. Rückruf klappt auch wunderbar.“
Steven G.
5.00
„Kompetente und schnelle Hilfe“
Heinrich S.
1.33
„Werben fuer Versicherungen fuer junge Auslaender, die nach Deutschland kommen wollen, um Deutsch zu lernen bzw. Deutschland kennenzulernen. Die inkludierten Leistungen sind jedoch nur irrefuehrend und moralisch fraglich in deutscher Sprache in den AGBs aufgefuehrt. Selbst im sogenannten "Premium"-Paket. Relevante Inhalte sind auf Englisch nicht genau uebersetzt. Auf eine direkte Beschwerde hin ist man nicht naeher eingegangen. Einsichtigkeit und Verstaendnis wurden weder vor noch nach der Beschwerde gezeigt. Meines Erachtens Menschen unwuerdiges Verhalten.“
Anonymous
5.00
„Ich bin äußerst zufrieden mit KLEMMER International Assekuradeur GmbH und möchte mich herzlich für den hervorragenden Service bedanken! Die Abwicklung meiner Anliegen war immer unkompliziert, schnell und professionell. Das Team ist freundlich, kompetent und stets hilfsbereit. Besonders schätze ich die transparente Kommunikation und die fairen Konditionen. Ich kann diese Versicherung jedem empfehlen, der Wert auf Verlässlichkeit und guten Kundenservice legt. Vielen Dank für die tolle Unterstützung!“
Kateryna A.
5.00
„Insbesondere die Geduld von Frau Binder möchte ich hervorheben. Wir hatten jetzt schon 2 Au Pair über Klemmer versichert und werden sicher auch alle weiteren so versichern!“
Anna S.
5.00
„Super kompetent und schnelle Abwicklung“
Anonymous
5.00
„Schnell, Flexibel, Zuverlässig, Funktioniert auch gut bei Wechsel/Anpassung/Stornierung der Versicherung“
Martin B.
5.00
„Die Abeicklung ist wirklich toll. Leider habe ich nie jemanden im Leistungsteam erreicht außer per E-Mail.“
Jana Z.
5.00
„Sehr Kundenorieniert und immer freundlich.“
Max-Rill-Gymnasium R.
5.00
„Unkompliziert und zuverlässig“
Anonymous
4.00
„it as such a good experience which I am pretty satisfied.“
Anonymous
5.00
„My insurance claim was settled promptly and without fuss: I am entirely satisfied with the professional and helpful service received - thank you!“
ED F.
1.00
„Ich wurde sehr unfeundlich beraten und abgewiesen als ich weitere Fragen hatte. Würde die Versicherung niemandem empfehlen.“
Anonymous
4.00
„So far, the feedback and reimbursement of my invoices were clearly and fast. Following the terms and conditions indicated in the contract. I have a year contract with Klemmer. I hope it runs well untill the end :)“
Anonymous
4.50
„Die Antwort auf Ihre Fragen erfolgt zeitnah.“
Anonymous
5.00
„Herzlichen Dank, sehr zufrieden“
Salma H.
5.00
„Sie haben mir schneller antworten. Vielen dank für Ihre Leistungen.“
Ghada E.
5.00
„The insurance helped me during my stay in Germany and when I attended before the hospital everything was good.“
R.
5.00
„Schnelle, unkomplizierte Bearbeitung und wie immer freundlicher Service bei Klemmer. Danke.“
Anonymous
5.00
„Thank you for guiding me and covering the full cost“
Y.
5.00
„Die Vertragsabschluss und die Zahlung der Versicherungspolice sind klar und einfach, keineswegs kompliziert. Als ich einen Zahnarzt in Deutschland aufsuchen musste, verlief alles glatt. Ich musste lediglich den Behandlungsschein sowie meinen Reisepass der Zahnarzthelferin vorlegen und brauchte keine weiteren Formalitäten zu erledigen. Klemmer kümmerte sich um die direkte Bezahlung an den Zahnarzt, ohne jegliche Komplikationen. Hervorragend!“
Dr. Rubén José L.
5.00
„Ich versichere seit 5 Jahren unsere Au-Pairs und internationale Gäste bei KLEMMER. Meistens hatten wir die Versicherung nicht in Anspruch genommen. Aber wenn, dann war die Beratung stets professionell und die Kosten wurden schnell erstattet.“
Maria K.
2.00
„Sehr geehrte Damen und Herren, hiermit möchte ich nur eine Kurze Rückmeldung, dass ich mit euch Service sehr zufrieden war. Ich danke euch sehr. Mit freundlichen Grüßen Fabrice Notahinjanahary“
Anonymous
5.00
„freundliche Berater am Telefon und guter Service jederzeit zu empfehlen“
D.
4.50
„Service einwandfrei und unbürokratisch. Klemmer kann ich uneingeschränkt empfehlen! Beratung in meinem Fall entbehrlich, da das gesamte Konzept online aufgebaut und einfach strukturiert ist und damit wunderbar funktioniert.“
Anonymous
5.00
„Es ist einfach und biss jetzt sehr unkompliziert. Danke“
L.
5.00
„Ich finde es schade, dass man keine Eingangsbestätigung zu eingereichten Rechnungen bekommt.“
Anonymous
5.00
„Unkomplizierte Abwicklung eines stationär geführten Notfalls bei unserem AuPair. Vielen Dank!“
Anonymous
5.00
„Ich bin seit fast 20 Jahren zufriedener Kunde. Unkompliziert, schnell und unbürokratisch.“
Sven H.
4.00
„Toller unkomplizierter Service!“
Anonymous
5.00
„Unkompliziert, Verträge konnten telefonisch besprochen und vereinbart werden. Top Service empfehle es gerne weiter .“
S.
5.00
„wir haben schon den vierten Vertrag abgeschlossen. IMMER schnell bei jedem Anliegen und sehr höflich am Telefon. Hier steht der Kunde wirklich im Vordergrund. DANKE“
Jami N.
5.00
„Schnelle Zahlung im Leistungsfall und unkomplizierte Abwicklung.“
Anonymous
5.00
„I have contacted them many times, they reply quickly. I feel confident with this insurance.“
Mr. H.
5.00
„Wir haben bei Klemmer eine Au-Pair Versicherung beauftragt und waren sehr zufrieden. Sehr schnelle Zahlung bei Anmeldung einer Leistung. Sehr guter Service bei Stornierung durch vorzeitigem Au-Pair Wechsel.“
M.
5.00
„The speed at which my claim was reimbursed was impressive. Thank you! A representative did give me an incorrect email address to send my claim though (there were typos in the email address provided), so that took a bit of time to sort out.“
Anonymous
5.00
„Tel Beratung heute“
Anonymous
5.00
„schnelle Bearbeitung und sehr guter Service“
Anonymous
4.67
„Your response to issues are so timely and excellent“
Gilbert C.
4.50
„Telefonisch immer schnell zu erreichen und immer sehr nett geantwortet. Top Erfahrung, weiter so!!“
Anonymous
5.00
„Kompetent & schnell!“
C.
5.00
„Der Kundenservice am Telefon war stets freundlich und kompetent. Alle Anliegen wurden stets sofort erledigt.“
Anne H.
5.00
„Replies and reimburstments are super fast and easy“
Anonymous
2.17
„From my personal experience whenever I had a question and made a phone call the male staff is usually not so helpful. He kept on saying everything is written on the contract". Yes, everything is written, but I made the call because I wanted to make sure. He made me feel unwelcome and I felt like not calling back anymore which is really bad because I don't feel like staying with your health insurance. I am happy that the reimbursement went through quickly. Thank you.“
Anonymous
4.67
„Auch Umbuchung bei Reiseänderung war kein Problem“
Erwin S.
4.50
„Ich bin sehr zufrieden. Ich kann KLEMMER gut sehr empfehlen Auf ihn ist en Verlass.. Tip-Top“
Gihad E.
5.00
„Unglaublich guter Kundenservice! Bin netterweise darauf aufmerksam gemacht worden, dass ich versehentlich (mein Fehler) doppelt versichert war und die Rückabwicklung war so unkompliziert und die Mitarbeiter sehr freundlich. Ganz klare Empfehlung“
Verena H.
5.00
„Immer schnell und freundlich. Kulanter und sehr kundenorientiert. Vielen Dank!“
Sebastian M.
5.00
„Schnell und zuverlässig. Ich sollte noch zu Nachuntersuchungen, möchte aber damit warten.“
Anonymous
5.00
„Ihre Dienste und Unterstützung sind sehr gut. Danke“
A.
5.00
„Sehr hilfsbereit, immer ohne Probleme erreichbar ,weniger Bürokratie im Vergleich mit anderer Versicherungen Sehr empfehlenswert“
Anonymous
5.00
„Ich persönlich hatte bisher nur gute Erfahrungen mit der Klemmer International Assekuradeur GmbH. Daher würde ich diese Versicherung auf jeden Fall auch weiterempfehlen. Vielen Dank“
Anonymous
5.00
„Klemmer International ist die BESTE 👍🏻“
Anonymous
5.00
„Die bisherigen Erfahrungen waren sehr weit überdurchschnittlich gut. Alle nicht nachvollziehbaren Forderungen einer deutschen Botschaft bei der Erteilung eines Einreisevisums wurden quasi in "Sekundenschnelle" angepasst. Im Gegensatz zu vielen anderen Einrichtungen war ständig jemand zu erreichen und konnte kompetente und praxisorientierte Auskunft geben. Das hört sich übertrieben gut an? Dafür stehe ich, gerne auch in direktem Kontakt. Die kundenfreundliche Arbeit hat mir sehr, sehr geholfen.“
Wolfgang H.
5.00
„Einfacher schneller Abschluss, Kündigung ebenso, Bisher immer alle Kosten übernommen ohne komplizierte Prozesse.“
Anonymous
5.00
„Leistungen waren sehr gut.“
Anonymous
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