For Insurance Providers
Reach Germany's growing
expat healthcare market
Over 400,000 new expats arrive in Germany annually. KlarHealth gives you a direct channel to this underserved segment — with structured health data, digital onboarding, and verified patient profiles.
The Market
A large, underserved segment with strong insurance intent
Expats in Germany are typically employed, relatively healthy, and actively seeking insurance solutions — but poorly served by current offerings.
High intent, low friction
Expats actively search for PKV and supplemental insurance shortly after arrival. KlarHealth captures them at exactly this moment.
Structured health profiles
Patients upload and verify their medical history through KlarHealth. With consent, this data is available in a structured format to accelerate underwriting.
Engaged, retained customers
Patients who use KlarHealth actively manage their health. Insurance customers acquired through the platform show higher engagement and lower churn.
Insurance Context
We keep PKV and GKV clearly separate — for good reason
The most common complaint from expats entering Germany is confusion between private (PKV) and statutory (GKV) insurance. KlarHealth is built to prevent this confusion — protecting both patients and insurers.
Private Krankenversicherung
Patients pay upfront at the point of care, then submit GOÄ/GOZ invoices to their insurer for reimbursement. KlarHealth provides a structured invoice management workflow — scanning, categorising, and preparing claims — so submissions are complete and timely.
- GOÄ and GOZ invoice digitisation via AI
- Claim preparation with provider details pre-filled
- Reimbursement tracking and status notifications
- Annual claim summaries for tax purposes
Gesetzliche Krankenversicherung
Most GKV patients rarely handle invoices directly. KlarHealth focuses on co-payment (Zuzahlung) tracking, IGeL self-pay services, and supplemental insurance (Zusatzversicherung) management — adding real value without creating false expectations.
- Zuzahlung (co-payment) tracking and exemption monitoring
- IGeL self-pay invoice management
- Supplemental insurance (Zusatz) discovery and comparison
- Statutory entitlements explained in plain language
Partnership Model
How we work with insurance providers
Listed in the KlarHealth Insurance Finder
Your PKV and supplemental products are displayed to relevant patients at the point of maximum intent — when they're setting up their health records and asking about insurance. Expat-focused product descriptions, in English.
- Product listing with clear expat-relevant features
- Eligibility pre-filtering (employment status, arrival date, income)
- Direct quote request flow
Verified, structured customer data at onboarding
With patient consent, KlarHealth provides structured health profile data at the point of application — pre-verifying medical history, current medications, and prior conditions. Faster underwriting, fewer back-and-forth questions.
- Consent-gated health summary export
- Structured ICD-10 coded condition history
- Medication list and lab result summaries
Digital claims submission via KlarHealth
PKV patients prepare and submit claims directly through their KlarHealth portal. Invoices are AI-digitised, line items verified, and submissions formatted to your requirements — reducing incomplete claims and manual processing.
- Pre-formatted claim packets per your spec
- GOÄ/GOZ line-item extraction and validation
- Submission tracking and status sync
Ongoing engagement — retention at scale
Customers who actively use their health portal stay engaged. KlarHealth provides ongoing health management tools that keep your customers active — annual summaries, preventive care reminders, and chronic condition tracking.
- Annual health summary for policy review
- Preventive care recommendations per policy coverage
- Supplemental coverage gap identification
European Scope
Built for cross-border healthcare complexity
Expats don't just use German healthcare. KlarHealth supports the full picture.
EHIC / S1 / S2
European Health Insurance Card and form tracking for patients receiving scheduled treatment in other EU member states.
Cross-border directive
EU Directive 2011/24 — patients seeking planned treatment abroad can track approvals, costs, and reimbursement claims.
Multi-language records
Medical records arriving in any European language are processed and normalised — consistent data regardless of country of origin.
Supplemental (Zusatz)
Dental, vision, hospital supplement, and private outpatient — KlarHealth helps patients understand what they have and what they're missing.
Aggregated anonymised reporting
Partner insurers receive aggregated, anonymised health trend data from consenting users — valuable for actuarial modelling.
GDPR-first architecture
All data sharing is consent-gated, logged, and reversible. Patients can withdraw consent at any time with immediate effect.
Interested in reaching Germany's expat insurance market?
We're building our initial insurer partnerships now. Let's discuss how KlarHealth fits into your distribution strategy.
Schedule a Partnership Call