OVB Nürnberg - Denis Martin

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OVB Nürnberg - Denis Martin

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I have advised more than 1000 Indians on insurance and investments. When will we get to know each other?

24/03/2026

Waiting EVEN longer for appointments? Good luck! I’m in private.

17/11/2025

Dear Indian friend, what will you have to give up in your old age?

Yes, that's right, you will have to give up many things in your old age.

Your pension will be very modest.

You can expect 30% – 40% of your current net income.

What should we cut out? You'll be poor then.

The nice car? Only buses and trains from now on.

The great apartment/house? Rent will be expensive and renovating your house will also be unaffordable.

Vacation? How will you be able to afford a vacation later on?

Food? Well, that's a basic need, so it will be difficult. You'll have to buy something to eat.

Leisure activities? Everything costs money. Restaurants? That's 50-70 euros gone.

What are you willing to give up?

What a disgusting question, right?

Who wants to give anything up?

But the reality is that pensions will be modest.

I don't think you can hope that life in India will be super cheap in 30 years.

Who knows what life in India will be like in 30 years?

Maybe it will even be more expensive than in Germany.

Many Turks, for example, have said that they will simply retire in Turkey.

Turkey is currently quite expensive. A pensioner with a German pension won't survive there for long....

So that you don't have to deal with this nasty question, there is only ONE answer:

You have to invest today.

Today, not tomorrow.

Today, not in January or February.

One month makes a big difference.

Up to 3.000 € more money if you start ONE month earlier.

So, start earlier so you don't have to deal with this unpleasant question.

13/11/2025

Here you see the reason why you need to be privately insured

I know families whose child got seriously ill — really serious.

Now be honest:

👉 Where is your child better protected?

In public???

Are you serious???

In a system where you wait months for an appointment?

Where doctors rush because they have no time?

Where the nearest one says, “Sorry, no new patients”?

Where you can’t go to private hospitals or top specialists?

Where doctors are limited by a budget for public patients?

Let’s face it — in public insurance, you don’t get the best care.

End of story.

If you want the best medical care for your child — or your future child —

you already know the answer.

You know what to do.

13/11/2025

You can’t ignore these numbers about private health insurance 👇

Indians love numbers. Indians trust numbers. So let’s talk about numbers:

💰 All private health insurers collected 50 billion € in premiums.

🩺 They paid 39 billion € for medical treatments.

➡️ That means: profit, not loss.

Public companies? -46 billion....

But here’s the real eye-opener:

Private insurers have saved 339 billion € for their customers.

The public ones? Only 9 billion €.

90 % of people are in a system that saved 9 billion €.

10 % are in one that saved 37 times more.

Let that sink in for a moment…

If both stopped getting money today:

Public insurance = gone in 9 days

Private insurance = safe for 9 years

Now check this:

In the last 10 years, contributions rose…

Public: +3.2 %

Private: +2.8 %

My top provider? Just +2.18 %.

Next year, public insurance will cost about 500 € more per year.

And if your company raises rates too… you’ll pay even more.

So, be honest:

Which system feels safer to you?

Maybe it’s time to look at what really makes sense —

no pressure, just more facts.

11/11/2025

A 40-year-old employee switched from Bosch BKK to private health insurance.

Bosch BKK 2025: 608,48 € (no kids)
New private insurance: 518,43 €

Top premium plan. Top company.
Treatment like a king.

And in 2027 he gets 2.724,12 € back if he doesn’t use any benefits.

He would pay approx. 650 € in 2026 for Bosch BKK....

So tell me…
Why do I have to convince you of what’s clearly better?

He pays less and gets more.
If you’re younger → you pay even less.

So honestly:
Why stay in a broken system?

07/11/2025

Take out private insurance for your (future) children.

This advertisement is not AI-generated.

It is advertising that you see on German streets.

Its reality.

6.000 children are born with heart defects every year.

That's almost 1% of all newborns.

I have two children. It would be terrible if my children had this condition.

That's why I have private insurance for my children.

I wanted always the best medical protection for them.

No excuses.

If you don't want private health insurance for yourself, do it for your children.

We can wait when we're in pain. Somehow.

But children?

It's also difficult to find a child doctor.

I have a client who only has private insurance because he couldn't find a child doctor nearby.

Think about it – it falls short of the standard: a child doctor nearby.

Public insurance: Others decide for you and you have to adapt.

Private: You decide absolutely everything and can tailor it to your individual needs.

Who should treat your child? Someone who needs to gain experience or an expert?

In hospital, if you have normal symptoms, you will be treated by an assistant doctor if you have statutory health insurance. Private patients are treated by the chief physician or senior physician.

Huge difference isn´t?

How long should your child wait for appointments? Two to three months or can you go to the doctor tomorrow?

Do you want the best possible medical equipment for your child or the standard stuff?

You can still decide.

At some point, it will be too late for private health insurance (too old + health problems).

It feels like 15 % - 20 % of Indians have diabetes.

Once that is diagnosed, it's over for private health insurance.

Just sayin'.

Picture and source: Kompetenznetz Angeborene Herzfehler e. V.

03/11/2025

Invest the way I work out.

I’m not a fitness machine.

I played football twice a week, that’s it.

More workouts? Zero motivation.

But now I work out every day.

Every single day. No excuses.

How did I do it?

With tiny steps.

I started so small my brain couldn’t complain.

5 minutes. Done.

No drama. No inner resistance.

And now? Way more efford and it runs automatically.

I like it. Never thought I would....

What does this have to do with investing?

Simple:

If you’re unsure, start small.

Not big amounts.

Not perfect.

Just start.

100 €, 150 € or 200 €… whatever.

Do it for a few months and watch how it feels.

Feels good? Increase.

Doesn’t feel right? Adjust.

But not starting = zero progress.

Starting small isn’t weak.

It’s smart.

Let’s go. Today. Not “someday.”

31/10/2025

Dear Indian friend, be honest, are you tired of being a second-class patient?

Germany has a good healthcare system: Nobody will die just because they're broke.
Everyone gets saved.
100%

But you get a different system.

𝐘𝐨𝐮 𝐜𝐨𝐦𝐞 𝐟𝐫𝐨𝐦 𝐈𝐧𝐝𝐢𝐚.

If you need a damn doctor, you get one immediately, and the problem is solved the same day.

With demonstrably high quality.

But what's it like in Germany?

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

Waiting.

And then you get to a doctor who just recommends tea.

Why does he recommend such nonsense? Because his resources are limited.

The doctor allocates an average of 7 minutes for his patients with public health insurance. Otherwise, it doesn't make financial sense for him.

He has a strict budget he has to stick to. If he recommends further treatments, medications, medical equipment, remedies, etc., he has to pay for it out of his own pocket to the public health insurance.

Crazy, right?

A doctor often thinks about the budget and how to treat you most efficiently to ensure your survival.

The public health insurance only pays after three months, sometimes even after six.

A lot of bureaucracy.

Can you expect the best possible treatment for yourself and your family in this system?

What about private insurance?

No unnecessary cost pressure. No time pressure.

100% focus on the patient and the best possible treatment.

Like in India.

Would you also like to experience such fast and first-class medical care?

There's only one way:

Switch to private insurance.

By the way: Public health insurance will cost you 500 € more per year in 2026. Perhaps more if your provider increases the co-payment.

30/10/2025

Many indians always searching for the next big investment.

They see ads with “Guaranteed 10% per year!”

“No risk!”

Yeah sure…

Listen: If someone guarantees you 10% return – it’s a scam.

End of story.

Stop looking left and right.

Stop trying fancy investments.

I know far more people who lost money in scams and Ponzi schemes than people who found a “new great investment opportunity.”

I also know more people losing money with single stocks than people who actually make real money with them.

That’s a full-time job, not a hobby that makes you a millionaire.

If you want to become wealthy, keep it simple:

✅ Demand account (only ETFs or mutual funds, no single stocks)

✅ Pension plan(s) (same idea)

✅ Real estate

✅ Some gold and silver

That’s it.

You are not the next Warren Buffett.

And if someone is “so good at trading” that they need to sell you a course…

Well, you already know what’s up.

Investing should be boring.

It should be passive.

Automatic.

No effort.

Your time is valuable.

Spend it with your family.

Spend it developing new skills.

Spend it starting a business.

If you have some play money – fine.

Buy a few stocks.

Or some crypto.

But that’s play money, not your main strategy.

Smart investors are happy with 6% per year after all costs + after inflation.

That’s how real wealth is built.

Change my mind.

29/10/2025

Dear Indian, here's how to find out if you need a financial advisor.

Let's be honest: these days you can do practically ANYTHING yourself.

Insurance? Go online.

Loans? Go online.

Investments? Go online.

You don't need an advisor to take out any kind of policy.

You can do it all on your own.

The big question is:

Are you taking out the right thing? 😂

You NEED to invest a loooot of time to find this out.

Hell of time.

Then you can start right away in my team as a financial advisor...

Car insurance and liability insurance are easy to do yourself. You can't really go wrong there (almost).

But what about private health insurance? Disability insurance? Oh dear, better not.

You can make so many mistakes, AND above all, you need a trustworthy person to help you with the paperwork later.

Someone who takes care of everything for you, saving you time.

You can set up a trading account yourself or take out a pension plan online.

But then what?

After the first market crashes, the first doubts creep in.

Am I still doing the right thing?

Was this investment portfolio perhaps doomed to fail from the start?

That's why you need a financial advisor.

He or she is your 𝐜𝐨𝐦𝐩𝐚𝐬𝐬 in uncertain times.

A companion for life.

That's at least my goal.

I'd like to advise your children later on 🙂

And maybe even grandchildren if I live a healthy life today. 🧑‍🦳

Many of my clients contact me about all sorts of topics that are completely outside my expertise.

I'm always happy to answer and give my opinion.

But above all, they're naturally glad that I support them in the areas of insurance and investments.

If you have too much free time and enjoy diving into my topics, and later remain calm during turbulent times and are keen to handle all the claims yourself—meaning spending 20-30 minutes in stupid hotlines, sending dozens of emails—then you don't need me.

Do you have a financial advisor?

Image is, of course, AI-generated or edited.

Adresse

Rothenburger Str. 9
Nuremberg
90443

Telefon

+491733924408

Website

https://www.denis-martin.com/

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