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Health Insurance Broker in Germany

  • Premium Benefits, Lower Costs

    Save up to 3,900 € annually compared to statutory insurance rates

  • Live Zoom logo, free video consultation with My Healthcare Broker Comparison

    Compare all providers instead of being limited to just one

  • Seamless Digital Experience

    Manage everything digitally, no paperwork needed

Happy family in Germany protected by private health insurance
DKV logo, private health insurance provider in Germany
AXA logo, private health insurance provider in Germany
Barmenia logo, private health insurance provider in Germany
Hallesche logo, private health insurance provider in Germany
ARAG logo, private health insurance provider in Germany
Allianz logo, private health insurance provider in Germany
Gothaer logo, private health insurance provider in Germany
IMG logo, private health insurance provider in Germany
DKV logo, private health insurance provider in Germany
AXA logo, private health insurance provider in Germany
Barmenia logo, private health insurance provider in Germany
Hallesche logo, private health insurance provider in Germany
ARAG logo, private health insurance provider in Germany
Allianz logo, private health insurance provider in Germany
Gothaer logo, private health insurance provider in Germany
IMG logo, private health insurance provider in Germany

Compare every insurer with one independent broker

Independent comparison across all major German health insurers, in plain English. Free for you, paid by the insurer (German law). 4.9 on Trustpilot from 128 clients.

Private health insurance in Germany

For employees above €77,400 and the self-employed. Premiums locked to your sign-up age, with broader coverage than public.

Public health insurance in Germany

Income-based contributions with family co-coverage. The default for most employees — and the sensible choice for many.

Health insurance for newcomers in Germany

Coverage for newcomers, students, and visa applicants. Meets the requirements for a German residence permit.

Not sure which option fits your situation? Take the 60-second eligibility check

Book Your Free Consultation Now!

Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.

Our customers love what we do

Read why clients trust us with their healthcare needs. Discover authentic testimonials highlighting our excellent service and support.

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Prathap Arumugam, My Healthcare Broker client
Prathap Arumugam
1 reviewDE

Exceptional Service – Truly Deserving of 6 Stars!

I had an outstanding experience working with Bettina and her team. From the very first contact, they were quick to respond, incredibly helpful, and always professional. Every question I had was met with clear and easy-to-understand explanations, which made navigating the world of medical insurance much less overwhelming. Bettina and her team took the time to understand my individual needs and provided thoughtful, tailored options without any pressure. Their knowledge, patience, and transparency gave me full confidence that I was making the right decisions. Honestly, if I could give 6 stars, I absolutely would—but since 5 is the maximum, they'll have to settle for that! I highly recommend Bettina and her team to anyone looking for reliable and responsive insurance support.

Date of experience: July 12, 2025

Amit Patil, My Healthcare Broker client
Amit Patil
4 reviewsDE

Outstanding service in Health…

I have a family of 3. I am communicating with Bettina and Iris for more than 1 year now. Had come across many of challenges mentioned below 1. New in Germany. (Not aware about Process) 2. Transfer health insurance to private from public. (Based on my requirements and cost effective) 3. Getting money back from public insurance ( Starting my stay in Germany for 1 year, was using public insurance) 4. Dental insurance for my family. Going through a period of having a baby now. I highly recommend people to connect with Bettina and team for healthcare and support. It’s a blessing for me to have them.

Date of experience: May 03, 2025

RV
Randy Verbeek
1 reviewDE

My wife and I have just moved to…

My wife and I have just moved to Germany to work for CANYON Bicycles. ExPat friends living here had suggesting exploring private health insurance, but navigating through both the companies, process and our current lack of German was more than challenging. Luckily I found Bettina. She quickly and efficiently helped us look at options, settling on the best one for us. In only a matter of days, we have been accepted and have smoothly solved what could have been a tough challenge. Bettina was great.

Date of experience: May 14, 2025

SM
Sachin Mokashi
2 reviewMY

Great experience and support provided

Michael provided detailed comparison between various health insurance plans and helped to choose the best one.

Date of experience: June 24, 2024

GD
Gopal Desai
2 reviewDE

I changed my health insurance from…

I changed my health insurance from public to private through Michael and it was great experience with him. He walked me through advantages and disadvantages of private insurance over public insurance very well. He is quick while responding and provided me proper guidance and help, when needed. I really recommend Michael as Health insurance broker.

Date of experience: May 01, 2024

JM
Jordi Moreno
1 reviewDE

Bettina guided me to choose the right…

Bettina guided me to choose the right private health insurance for myself in Germany. She was very patient with my questions and explained everything in detail with full transparency. I would strongly recommend Bettina and her team for private health insurance related services. Her team's support even after you sgin, is excellent.

Date of experience: June 26, 2025

LS
L. Sentürk
1 reviewDE

From the initial call and throughout…

From the initial call and throughout the onboarding process, my experience with Michael has been straightforward and positive. He was very transparent about the different insurance plans, ensuring I understood all the options available. His responsiveness stood out, as he promptly answered all my questions, no matter how many I had. Additionally, he offered valuable advice regarding my current plan and what I would need in the future, helping me make informs decisions. Based on my experience, I highly recommend him as an insurance advisor.

Date of experience: June 27, 2025

ES
Erwin Sloboda
1 reviewDE

Clarity in German Insurance

If you want clarity and straightforward answers to the confusing world of German Health insurance, this is your broker! Not only that, they provide white glove service for your on-going needs. No more google translate. Thanks Bettina

Date of experience: May 01, 2025

MH
Mohamed Hamdy
1 reviewDE

Free, smooth and easy process

The process was smooth from the beginning to the end. Starting with getting to know my current situation and offering different options in detail and starting the process with minimal effort required from my side till starting my new insurance and getting my card. They are also available after getting your new insurance for questions and consultation and all is for free.

Date of experience: March 01, 2024

RU
Richard Umoffia
1 reviewDE

Great team with good communication

Micheal took his time explaining the different offerings and finally helped me pick a private insurance as well as handling the cancellation of my previous insurance and signing up for a new one. Will definitely recommend

Date of experience: March 24, 2024

YH
Youssef Hagar
2 reviewEG

A really professional team and very…

A really professional team and very helpful for people that have zero experience with this topic.

Date of experience: June 23, 2024

RG
Rajat Goyal
2 reviewIN

Best Experience

It is the best company to get private health insurance and the team is really supportive. They will guide you in each and every steps.

Date of experience: June 22, 2024

I
Ikarus Lisardus
1 reviewDE

Exceptional Service and Support from My Healthcare Broker

I recently used My Healthcare Broker to find private health insurance in Germany, and I couldn't be happier with their service. Bettina and her team provided exceptional support, guiding me through every step of the process with their deep knowledge and friendly approach. They were incredibly responsive to all my queries and made a potentially daunting task straightforward and stress-free. I highly recommend My Healthcare Broker for anyone needing professional and reliable insurance assistance in Germany. Thank you, Bettina, for your outstanding service!

Date of experience: June 10, 2024

JM
Jordi Moreno
1 reviewDE

Bettina guided me to choose the right…

Bettina guided me to choose the right private health insurance for myself in Germany. She was very patient with my questions and explained everything in detail with full transparency. I would strongly recommend Bettina and her team for private health insurance related services. Her team's support even after you sgin, is excellent.

Date of experience: April 30, 2025

A
A K
1 reviewDE

I couldn’t be more happy with their…

I couldn’t be more happy with their service, Bettina has been completely fantastic. She has provided the best advice for choosing the PKV and she is there for every inquiry you could have.

Date of experience: April 01, 2025

AB
Alice Bottari
1 reviewDE

I had the chance to work with Michael…

I had the chance to work with Michael Kammerer when I was figuring out my health insurance in Germany. Honestly, I was expecting a headache, but Michael made everything super straightforward. He knows all there is to know about health insurance here and found me a deal that was just right for what I needed and could afford. Michael was always there to answer my questions, big or small and made sure I understood everything. It was like having a friend in the insurance business.

Date of experience: June 06, 2025

AH
Alina Hansen
1 reviewDE

Even months after signing the contract

Even months after signing the contract, I can call Michael anytime. This personal care is rare nowadays.

Date of experience: July 10, 2025

LK
Ludmilla Kratka
1 reviewDE

All important documents were provided…

All important documents were provided in both German and English. Made everything so much easier to understand.

Date of experience: July 01, 2025

Independent health insurance broker advising an international client in Germany

Why work with an independent health insurance broker?

My Healthcare Broker is an independent health insurance broker in Germany, providing clear guidance, tailored plans, and reliable support to make finding the right coverage simple and stress-free.

  • Transparent Comparison

    We match your profile to the best pre-qualified rates.

  • 24/7 Support

    Always available to assist with your insurance needs.

  • Exceptional service

    Continued support throughout your healthcare journey, especially after you signed up.

  • Exclusive Healthcare Concierge service

    Premium, personalized health support for our clients.

Advantages of private health insurance for employees

Better coverage for less money. Save up to €4,000 per year.

Private Health Insurance

Outstanding coverage

From €148

  • Individual plans and benefits selectable
  • Premiums based on entry age and desired coverage
  • More comprehensive coverage and additional benefits possible
  • Glasses, Contact Lenses and Refractive surgery: Coverage included
  • Dental Insurance: Comprehensive dental insurance included
  • Hospital Coverage: Extensive hospital coverage, including private rooms, advanced treatments, and chief physician care
  • Shorter waiting times for specialists and preferred appointments
  • Free choice of doctor, including specialists and chief physician treatment
  • Coverage for alternative medicine treatments

Public Insurance

Basic Insurance Protection

€642

  • Uniform plans and benefits for everyone
  • Premiums based on income, resulting in high contributions for high earners
  • Limited coverage due to statutory regulations
  • Glasses, Contact Lenses and Refractive surgery: No coverage
  • Dental Insurance: Basic or no dental insurance
  • Hospital Coverage: Standard hospital coverage, usually multi-bed rooms, no chief physician care
  • Longer waiting times and sometimes limited access to specialists
  • Limited coverage for therapies and rehabilitation services
  • No coverage for alternative medicine

Example premium for a 32 years old employed

Private Health Insurance For Germany

Support in English.

Expert help in English for clear communication and understanding throughout your healthcare journey.

Free Consultation

Discover the perfect health plan with our free consultation. Your health, your plan, your peace of mind.

Best Price Guarantee

If you find the plan that we offer at a lower price, we will refund you the difference.

Exceptional Service

Enjoy outstanding support, assisting you every step of your healthcare journey no matter what.

We use your phone for a short free consultation, so we can assess your situation fully and point you to the right plan.

Rated Excellent on TrustpilotRated 5 out of 5 starsTrustpilot logo

Manage Your Healthcare On-the-Go

Our app simplifies managing your healthcare needs.

My Healthcare Broker mobile app showing a health insurance policy on a smartphone

Health insurance broker in Germany, common questions

Book Your Free Consultation Now!

Health insurance in Germany can be simple. Our friendly team helps you find the perfect private health insurance plan, whether you're an employee, freelancer, or applying for a visa. Get personalized assistance and peace of mind.