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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 Myhealthcarebroker 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).

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.

Independent health insurance broker advising an international client in Germany

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.

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

What our clients say

Recommendations written by clients on LinkedIn, reproduced word for word.

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.

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

Manage Your Healthcare On-the-Go

Our app simplifies managing your healthcare needs.

Coming soon
Myhealthcarebroker 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.