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.
Why work with an independent health insurance broker?
Myhealthcarebroker 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.
Public Insurance
Basic Insurance Protection
€642
Private Health Insurance
Outstanding coverage
From €148
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
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 sign, is excellent!
“
AP
Anish P.
Recommendation on LinkedIn· August 12, 2024
Great service end to end
Great service end to end from upfront selection and switching to on-going day to day support from Bettina and team. Thanks
“
SP
Sharvesh P.
Recommendation on LinkedIn· March 21, 2024
Transparent about every option, and quick to answer
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 informed decisions. Based on my experience, I highly recommend him as an insurance advisor.
“
RB
Raphaël B.
Recommendation on LinkedIn· March 1, 2024
Makes German health insurance a whole lot easier
Dealing with health insurance in Germany can be tricky, but having Michael Kammerer on your side makes it a whole lot easier. He's got this knack for breaking down the complicated parts so you can actually understand what's what, and he really listens to what you need.
Michael isn't just about getting you any insurance; he makes sure it's the right fit for you. He took care of all the boring paperwork and was always just a message away whenever I had a question or needed help.
I'd recommend Michael to anyone who needs to get their health insurance sorted in Germany. He's not just another broker; he's like having a buddy who knows everything about insurance and wants to help you out.
“
VI
Vladimir I.
Recommendation on LinkedIn· October 13, 2023
Switching from public to private made simple
I've got to give a shoutout to Bettina for helping me switch from my old German health insurance to a private plan. She really knows her stuff and made the whole process super easy.
Bettina laid out a bunch of different private insurance options and broke down the comparisons so I could easily pick the right one for me. She also had my back when it came to all the paperwork, and she was always just a message away if I had questions.
Bettina's expertise and awesome customer service made a big difference in my insurance game. If you're looking to make the switch, I can't recommend her enough!
“
ST
Shane T.
Recommendation on LinkedIn· September 24, 2019
A minefield, made simple
Bettina is "simply the best". It would be rude not to recommend the services that she provides. Insurances (particularly health insurances) can be something of a minefield for non-native speakers based in Germany. Bettina makes it simple and even pleasurable to handle insurance matters. Can't recommend her services highly enough. I'm continuously grateful for her support.
“
ES
Eleanor S.
Recommendation on LinkedIn· February 8, 2019
Sorted out after moving from the UK
Bettina helped us to get private health insurance in Germany after we moved over from the U.K. We cannot speak any German yet and we were quite worried about how to organise everything. Bettina was extremely helpful, responding to emails quickly and was very proactive in getting everything sorted for us. We spoke on the phone after we received our insurance offers and she walked us through everything and explained very clearly. I would not hesitate to recommend Bettina's services!
“
LM
Ludovic M.
Recommendation on LinkedIn· January 16, 2019
A tailored contract, without speaking German
Hello, I recently moved to Germany in Jan 1st 2019 and needed to get the right private insurance. Unfortunately I did not speak German and was really lost between the various offers. Bettina has been tremendously helpful in providing me with a tailored contract that fits my needs. It felt good to be supported. Clearly I recommend Bettina if you plan to move to Germany and want to obtain the right medical coverage!
“
SM
Stan M.
Recommendation on LinkedIn· May 20, 2018
Accepted in a matter of days
My wife and I have just moved to Germany to work for CANYON Bicycles. ExPat friends living here had suggested 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!
“
RT
Rohan T.
Recommendation on LinkedIn· August 23, 2024
Patient, detailed and fully transparent
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 sign, is excellent!
“
AP
Anish P.
Recommendation on LinkedIn· August 12, 2024
Great service end to end
Great service end to end from upfront selection and switching to on-going day to day support from Bettina and team. Thanks
“
SP
Sharvesh P.
Recommendation on LinkedIn· March 21, 2024
Transparent about every option, and quick to answer
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 informed decisions. Based on my experience, I highly recommend him as an insurance advisor.
“
RB
Raphaël B.
Recommendation on LinkedIn· March 1, 2024
Makes German health insurance a whole lot easier
Dealing with health insurance in Germany can be tricky, but having Michael Kammerer on your side makes it a whole lot easier. He's got this knack for breaking down the complicated parts so you can actually understand what's what, and he really listens to what you need.
Michael isn't just about getting you any insurance; he makes sure it's the right fit for you. He took care of all the boring paperwork and was always just a message away whenever I had a question or needed help.
I'd recommend Michael to anyone who needs to get their health insurance sorted in Germany. He's not just another broker; he's like having a buddy who knows everything about insurance and wants to help you out.
“
VI
Vladimir I.
Recommendation on LinkedIn· October 13, 2023
Switching from public to private made simple
I've got to give a shoutout to Bettina for helping me switch from my old German health insurance to a private plan. She really knows her stuff and made the whole process super easy.
Bettina laid out a bunch of different private insurance options and broke down the comparisons so I could easily pick the right one for me. She also had my back when it came to all the paperwork, and she was always just a message away if I had questions.
Bettina's expertise and awesome customer service made a big difference in my insurance game. If you're looking to make the switch, I can't recommend her enough!
“
ST
Shane T.
Recommendation on LinkedIn· September 24, 2019
A minefield, made simple
Bettina is "simply the best". It would be rude not to recommend the services that she provides. Insurances (particularly health insurances) can be something of a minefield for non-native speakers based in Germany. Bettina makes it simple and even pleasurable to handle insurance matters. Can't recommend her services highly enough. I'm continuously grateful for her support.
“
ES
Eleanor S.
Recommendation on LinkedIn· February 8, 2019
Sorted out after moving from the UK
Bettina helped us to get private health insurance in Germany after we moved over from the U.K. We cannot speak any German yet and we were quite worried about how to organise everything. Bettina was extremely helpful, responding to emails quickly and was very proactive in getting everything sorted for us. We spoke on the phone after we received our insurance offers and she walked us through everything and explained very clearly. I would not hesitate to recommend Bettina's services!
“
LM
Ludovic M.
Recommendation on LinkedIn· January 16, 2019
A tailored contract, without speaking German
Hello, I recently moved to Germany in Jan 1st 2019 and needed to get the right private insurance. Unfortunately I did not speak German and was really lost between the various offers. Bettina has been tremendously helpful in providing me with a tailored contract that fits my needs. It felt good to be supported. Clearly I recommend Bettina if you plan to move to Germany and want to obtain the right medical coverage!
“
SM
Stan M.
Recommendation on LinkedIn· May 20, 2018
Accepted in a matter of days
My wife and I have just moved to Germany to work for CANYON Bicycles. ExPat friends living here had suggested 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!
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.
Our app simplifies managing your healthcare needs.
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Health insurance broker in Germany, common questions
A health insurance broker compares plans from all the major German insurers for you, explains the differences in plain English, and handles the paperwork. Myhealthcarebroker is independent, so we recommend the plan that fits you. Our service is free for you, because brokers are paid by the insurer under German law.
Yes. You pay nothing for our advice or support. As a licensed insurance broker, we are paid a fixed commission set by German law, whether you sign up through us or directly. Your price is the same, but with us you get independent comparison and ongoing help.
We are not tied to any single insurer. We compare public and private health insurance across more than 40 German providers and recommend based on your profile, budget, and situation, in English.
Yes. We help newcomers and international residents find compliant coverage for a visa or residence permit, choose between public and private health insurance, and complete the sign-up, all in English.
Book a free consultation or request a free quote. We review your situation, compare your options, and walk you through the best plan, with no obligation.
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.