Germans often consider themselves to be over insured. Surprisingly this can also include multiple insurance (Versicherung) policies. Travel is a classic example. Many will possess liablility and accident of theft coverage for travel calamities yet pay for credit cards which include travel insurance as part of the package as well as making an online booking with further insurance.
Insurance coverage is available for every situation that may occur to expats in the Rhine Ruhr region. The list of policies is never ending; property, glass, accident, liability, pets and competition is enormous.
Health insurance is normally a legal obligation for expats who relocate to work.