While Luko is a French company :

  • Coya AG remains the insurance carrier (Germany registered, BaFin regulated)

  • Luko Cover SAS Niederlassung Deutschland (German Branch) will take over the servicing, but the team will still be based in Germany (and German speaking).

So, your contract will still be based in Germany, regulated by the BaFin. No worries to have on this.


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