Digital insurers like Getsafe offer BU fully online in English, and Feather specialises in expats with free English advice. For a complex medical history use a classic broker with an anonymous pre-inquiry — free for you, paid by the insurer.
BU: Signing Up Without Mistakes
The health questionnaire is the heart of the contract: one inaccuracy can void your cover years later. Plus the three clauses that separate good from useless.
✓ Verified: 18/07/2026
WHAT TO DO
› Details and tips
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Max recommends:
Three clauses I will not sign without: waiver of abstract referral, an increase guarantee, and payout from a 6-month prognosis.
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Lea recommends:
For a complex history use a classic broker with a pre-inquiry — free, paid by the insurer. Digital Getsafe and Feather are good for the healthy and sign you up online in English in an evening.
FREQUENTLY ASKED QUESTIONS
I smoke occasionally — am I a smoker? ▾
Yes, declare honestly: the tariff is dearer, but deception voids the contract at payout. Quit for a year and you can be re-rated as a non-smoker.
I had therapy sessions — will I be refused now? ▾
Not necessarily, but concealing is impossible: the file is checked at payout. Run an anonymous risk pre-inquiry through a broker to several insurers — a refusal enters no database and you see the real terms.
What about old illnesses from abroad? ▾
Questions usually cover the last 5 years outpatient and 10 years inpatient or mental health. Within that window honesty is absolute — otherwise the insurer can rescind.
Too expensive for my profession? ▾
Physical jobs do pay high premiums. Slimmer alternatives exist: Erwerbsunfaehigkeits- or Grundfaehigkeits insurance — better than nothing.