International health insurance for expats in Asia. 35 years of experience. Gained in Asia, not in Germany.
Ex-CEO of Allianz China General Insurance. Longtime board member of the German Chamber of Commerce in South and Southwest China. Now advising expats like you.
Book your 30-minute callI've been an expat myself.
A Chinese hospital at midnight? Been there.
A bi-national family between two healthcare systems? What I handle every day.
Job changes, moving countries, returning to Germany? Lived it.
"You don't need to explain your situation to me at length. I know it, because it's mine too. That's why my advice doesn't start with the policy. It starts with your life."
Peter Nestmann
35 years of China experience | Ex-CEO, Allianz China General Insurance
I understand both sides.
The expat side:
International families. Career moves. Pre-existing conditions developed abroad. Return planning. Not knowing where you'll live in five years.
The industry side:
How underwriting really works. What's covered – and what isn't. How to structure coverage that moves with you. Which insurers deliver when it counts – and which don't.
Two perspectives. One advisor.
Book your 30-minute callFinding the right coverage. Not just any coverage.
Deep assessment
Your situation. Your family. Your plans. Where you stand today – and where you want to go.
Policy Design
Coverage built around your life. Not a template.
Underwriting navigation
Pre-existing conditions, medical history – I know how to present your case fully and accurately.
Return preparation
To Germany or anywhere else. No gap in coverage.
Ongoing support
Questions, reimbursements, new stages of life. I'm there.
The Six Non-Negotiables
These must all be met:
Long-term view
Geographic freedom
No re-underwriting
Guaranteed renewability
Pre-existing conditions should be covered
Employer-independent policy
If even one is missing, you have exposure.
I protect what matters to expats. Most of my clients need more than health insurance.
Life insurance
Cover that works across borders. Not tied to one country.
Disability protection
If you can no longer work. Wherever you are.
Personal liability insurance
Your personal liability cover protects you worldwide – wherever you live.
Return planning
Anwartschaft. Mandatory health insurance on return to Germany. Health coverage in retirement.
One advisor who sees the whole picture.
Client voices:
German national in China and Malaysia:
„Often the usual offers won't cover your specific case. For me as a German working in China and Malaysia, he found the best solution.“
Hong Kong:
„Our new insurance covers previously excluded conditions and is better value for money. We feel well looked after by Peter.“
Philippines, bi-national family:
„Peter understands what a customer abroad needs. We feel we're in highly experienced hands.“
Taiwan, planning return:
„Peter explained the intricacies of the German healthcare system and prepared us well for our return. That gives us peace of mind.“
China, 20+ years abroad:
„After 20 years abroad, I finally have someone at my side who understands. Peter helped me optimize my contracts and prepare for eventual return.“
The right policy matters. What matters more is an advisor who understands your life.
I'll ask about your situation.
You'll ask about coverage.
Then we'll see if working together makes sense.
No sales pitch. Just an open conversation.
Peter Nestmann
p.nestmann@nlcexpatinsurance.com
+49 172 977 4430 (Germany)
+86 131 6880 7956 (China / WeChat / WhatsApp)
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