SENIOR CONSULTANT · INSURANCE BROKER · § 34D ABS. 1 GEWO

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.

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TrustScore 4.8 · 89 reviews · Rating as of September 2026

Bettina Ostermann, insurance broker at Myhealthcarebroker

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.

Credentials 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.

Reviews mentioning Bettina

Verified Trustpilot reviews from clients Bettina has worked with directly.

Excellent

TrustScore 4.8 · 89 reviews · Rating as of September 2026

Read all reviews

Prathap A.

July 12, 2025

Exceptional service

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 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 I was making the right decisions.

Amit P.

May 03, 2025

Outstanding service in healthcare and support

I have a family of 3. I have been working with Bettina and Iris for more than a year now. They helped me transfer my health insurance from public to private based on my requirements and cost-effectiveness, register Familienversicherung, recover overpaid public contributions, and arrange a separate dental plan for the family. Going through a period of having a baby now and the team has been a blessing.

Randy V.

May 14, 2025

Just moved to Germany, smooth process

My wife and I just moved to Germany. Friends suggested exploring private health insurance, but navigating the companies, the process, and our current lack of German was more than challenging. Luckily I found Bettina. She quickly and efficiently helped us look at options and we settled on the best one. In a matter of days we were accepted and a tough challenge was solved.

Jordi M.

June 26, 2025

Patient and transparent guidance

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. The support even after you sign is excellent.

Erwin S.

May 01, 2025

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 ongoing needs. No more google translate. Thanks Bettina.