It's niche and boring, but I help immigrants pick German health insurance.
The existing information is mostly blogspam from non-experts who try to make a quick buck. They only recommend the two brands with an affiliate program.
I wrote a better guide with help from competing insurance experts. The information is clear and succinct without oversimplifying things. It addresses the specific needs of immigrants.
Then I turned the advice into an interactive recommendation tool. People get clear, specific advice in a few seconds.
The best advice is "don't choose yourself, talk to a broker". The problem is finding a honest one. It took me years to vet a good one. After testing him for a year, I have set up an affiliate partnership from scratch with him. The partnership incentivises honesty and neutrality, because he has a lot of skin in the game.
I'm super excited about it. I can't overstate how much of an improvement it will be. Readers get far better advice and easy access to an expert. The broker gets a steady stream of well-informed leads. I get a commission for my trouble. It's a win-win-win situation.
This sounds fantastic. I'm building a product that helps immigrants identify opportunities that have a good chance of providing them with visa sponsorship (in the UK).
It'd be great to connect. My email address is kane [at] withpoli [dot] com.
when you have some draft or first versions, please share. I would be super glad to read it. I have been in TK since I came to Germany, but would be glad to entertain other options.
The guide is pretty much finished and already reviewed by 3 competing brokers. If you email me, I'll send it to you. I'm now working on the recommendation tool, then the satellite guides.
TK is great if you're on public health insurance. If you qualify for switching to private health insurance, you might find cheaper and better contracts for the cost of more bureaucracy and that having kids costs extra.
As far as I have heard from people that switched to private is that if you ever need to come back to public, this is hell on earth bureaucracy. All of them recommended a supplementary plan instead of switching to private.
That's mostly correct. Generally, the only way to switch is to be forced back into the public system. For example if you reduce your income below the limit for private health insurance.
Public is an easy choice. Private is a very carefully made decision that can be worth it for some people in some situations. The entire industry is incentivised to sell private insurance, but it's not at all a "better" choice, just a financial move that may work for certain people.
The existing information is mostly blogspam from non-experts who try to make a quick buck. They only recommend the two brands with an affiliate program.
I wrote a better guide with help from competing insurance experts. The information is clear and succinct without oversimplifying things. It addresses the specific needs of immigrants.
Then I turned the advice into an interactive recommendation tool. People get clear, specific advice in a few seconds.
The best advice is "don't choose yourself, talk to a broker". The problem is finding a honest one. It took me years to vet a good one. After testing him for a year, I have set up an affiliate partnership from scratch with him. The partnership incentivises honesty and neutrality, because he has a lot of skin in the game.
I'm super excited about it. I can't overstate how much of an improvement it will be. Readers get far better advice and easy access to an expert. The broker gets a steady stream of well-informed leads. I get a commission for my trouble. It's a win-win-win situation.