Bettina Ostermann
Bettina is the broker most of our English-speaking clients meet first. She has spent years walking newcomers, families, and freelancers through the German health-insurance system and pairing them with the right private or public plan.
About Bettina
Bettina Ostermann joined Myhealthcarebroker as Senior Consultant. She works almost exclusively with international clients moving to or already living in Germany, in English. Her day-to-day is unglamorous on purpose: she listens, she explains the system end to end, and she only recommends a plan after she understands the situation.
The relationship doesn't end at signup. The same broker handles claims questions, contract changes, family registrations, and the yearly check-in. Brokers in Germany are paid by the insurer, so the client never sees a bill, and the long-term incentive is to keep the contract working, not to close a one-off sale.
What Bettina specialises in
Most clients come to Bettina with one of these situations. The advice changes case by case, but the toolkit is consistent.
Private health insurance for new arrivals
Eligibility, age and health implications, choosing the right tariff and deductible. Works for German visa, EU Blue Card, freelance, and family reunification permits.
Switching from public to private
Income thresholds, lock-out rules at 55, the practical timing window, and what happens if you ever need to switch back.
Family coverage planning
When private makes sense for one parent, when Familienversicherung is the better deal, and how to register a non-working spouse and children correctly.
Freelancers and the self-employed
Voluntary public membership, the Mindestbemessungsgrundlage, KSK eligibility, and full-rate contributions without an employer share.
Public health insurance in English
Side-by-side comparison of the major Krankenkassen, English support quality, app and bonus programmes, and a 48-hour signup confirmation for visa or Anmeldung.
Long-term aftercare
Claims questions, contract changes, family member registrations, and the yearly review. The same contact for years, not just at signup.
Guides Bettina reviews
The guides where Bettina checks every rule and figure before it goes live. Start with the one that matches your situation.
Switching from public to private
Timing, notice periods and the order of steps so you are never without cover.
Learn morePrivate cover for freelancers
How the self-employed apply without an income threshold and what to watch in the tariff.
Learn morePrivate cover for employees
What changes above the salary threshold and how the employer share works.
Learn morePrivate cover for families
When one private policy makes sense for a parent and how children and partners are covered.
Learn morePrivate cover for students
The exemption from public cover and what a student tariff includes.
Learn moreWhat private insurance covers
Specialist access, hospital stays, dental and glasses, explained benefit by benefit.
Learn moreCredentials and regulatory standing
Bettina works under Myhealthcarebroker's German broker licence. The relevant entries are public records you can verify yourself.
Erlaubnis nach § 34d Abs. 1 GewO
Versicherungsmakler licence held by Myhealthcarebroker. Aufsichtsbehörde: IHK Stuttgart.
Versicherungsvermittlerregister-Nr. D-TNHS-HEZEQ-56
Registered with the German Insurance Intermediaries Register. Verifiable at vermittlerregister.info.
Independent across the whole market
No exclusive deals with any single insurer. Recommendations are based on client fit, not commission tier.
English and German
All consultations, paperwork, claims communication, and aftercare are available in both languages.
Talk to Bettina
A free consultation is the fastest way to see your real options. Bettina takes the call, listens to the situation, and walks you through public, private, and Familienversicherung side by side. No obligation, no fee.