Your trusted insurance partner in Germany.
We understand that living and working in a new country comes with both opportunities and challenges — especially when it comes to understanding complex systems like insurance. At Hua Ren Insurance, we specialize in supporting the Chinese community in Germany with clear, reliable, and personalized insurance solutions.
Our team combines deep knowledge of the German insurance market with a strong understanding of Chinese culture and needs. We offer guidance in your language, explain everything in a simple and transparent way, and help you make confident decisions for your future.
Whether you are a student, professional, entrepreneur, or family, we are here to protect what matters most to you — with care, trust, and expertise.
At Hua Ren Insurance, you are more than a client — you are part of our community.
Security for every stage of your life…
What for?
Damages that you accidentally cause to others (personal injury, property damage,
financial loss).
Why important?
One of the most important insurances, as damages can quickly reach millions.
Typical examples: Cyclist crashes into a car, visitor trips over your cable.
Household Contents Insurance
What for?
Protection for your belongings in your home (furniture, clothing, electronics).
Against what?
Fire, tap water damage, burglary, storm/hail.
Optional: Bicycle theft, natural hazards.
Residential Building Insurance
What for?
For owners: protection of the building itself.
Against what?
Fire, tap water damage, storm/hail.
Optional: Natural hazards (flooding, heavy rain).
With over 20 years of experience in the insurance industry, Huaren Insurance stands for reliability, expertise, and personalized service.
Founded by Stefan Ottenbacher, our mission is to provide clear and tailored insurance solutions that meet the individual needs of our clients.
We combine deep industry knowledge with a strong commitment to transparency and trust — helping you make confident decisions for your future.
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Protecting what matters most — your family
HEALTH INSURANCE (statutory/private)
Statutory: solidarity system, fixed benefits, income-based contributions.
Private: individual tariffs, potentially better benefits, but risk-based.
Disability Insurance (Occupational)
What for? Monthly pension if you can no longer perform your profession permanently.
Why important? One of the central protections for working individuals.
Key point: Good health assessment, clear definitions, sufficiently high disability pension.
ACCIDENT INSURANCE
What for? Benefits for permanent physical damage caused by accidents.
When useful? As a supplement to disability insurance, especially for risky hobbies or professions.
Mandatory insurance.
What for? Damages you cause to others with your car.
PARTIAL COVERAGE (Teilkasko)
What for? Damage to your own car caused by theft, glass breakage, wildlife accidents, storm/hail.
COMPREHENSIVE Insurance (Vollkasko)
What for? Additionally: self-caused accident damage to your own car, vandalism.
When useful? New cars, leasing, expensive vehicles.
Because your family deserves peace of mind
Your bridge to life in Germany — Connecting cultures, protecting futures
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