Being healthy means different things to different people. Some rely on conventional medicine, others prefer alternative or complementary treatments—and many want a combination of both.

In Germany, the health insurance system is complex and often confusing. Coverage depends on whether you are publicly or privately insured, your employment status, and the specific terms of your policy. As a result, many people only realize after the fact that treatments they expected to be covered are not—or that their insurance doesn’t support the kind of healthcare they actually want.

Most treatments can also be paid for privately. However, the real question is not whether care is available, but whether it is financially sustainable over time. Knowing what you want included in your insurance coverage is therefore not just a health decision, but a long-term financial one.

On top of that, preexisting conditions can make insurance decisions feel especially challenging. Many people assume that once a condition exists, there are no viable options left. In reality, while preexisting conditions do limit certain choices, it is often still possible to create meaningful and realistic coverage—if you understand the system and your options.

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What you'll learn

This Expert Session is designed to help you navigate the German health insurance system with more confidence, clarity, and financial awareness. You’ll learn how to:

• Understand the key structures and limitations of the German health insurance system
• Identify why certain treatments are not covered—even when they are important to you
• Recognize gaps between your health needs and your current insurance coverage
• Evaluate when paying out of pocket makes sense and when insurance coverage can make treatments more affordable
• Understand how preexisting conditions affect insurance options—and what is still possible despite them
• Explore realistic insurance strategies that align with both your health goals and your budget

The goal is to replace uncertainty with clarity—so you can make informed decisions instead of feeling stuck or excluded.

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‍About Mirko

Mirko is an independent insurance broker specializing in health insurance within the German system. His work focuses on creating individualized insurance solutions, particularly for people interested in naturopathic and holistic treatments.

Having experienced multiple sports-related injuries himself, Mirko understands how frustrating it can be to find the right therapist—only to discover that insurance coverage becomes the limiting factor. Combining personal experience with a strong affinity for numbers, he helps people navigate a complex system and identify financially sound options—even in cases where preexisting conditions play a role—so they can access treatments that support long-term health and well-being

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Practical Information

• The session is only for betahaus members, and is free upon availability. Please check our co-working memberships for more information.
• To secure your slot please register in advance by booking your session here.
• Sessions can take place online or at betahaus Berlin.
• Sessions are scheduled for 30 minutes, and can be hosted in German or English.
• If you need to cancel, please have the courtesy to email Mirko.lange@nachhaltigabgesichert.de 24 hours before the session.