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Mejores opciones para el seguro de salud privado en Alemania

  • Beneficios Premium, Costes Reducidos

    Ahorra hasta 3.900 € al año frente a las tarifas del seguro obligatorio.

  • Comparativa en directo por Zoom logo, free video consultation with My Healthcare Broker

    Compara todos los proveedores en lugar de limitarte a solo uno.

  • Experiencia digital sin fricción

    Gestiona todo digitalmente, sin papeleo.

Familia feliz en Alemania protegida por un seguro de salud privado
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

Compara todas las aseguradoras con un corredor independiente

Comparación independiente de todas las grandes aseguradoras alemanas, en español sencillo. Gratis para ti, pagado por la aseguradora (ley alemana).

Seguro de salud privado para empleados en Alemania

Seguro de salud privado para empleados en Alemania

Si ganas más de 77.400 € al año, puedes ser elegible para el seguro de salud privado en Alemania.

Seguro de salud privado para autónomos en Alemania

Seguro de salud privado para autónomos en Alemania

Los autónomos en Alemania deben tener seguro de salud. El seguro privado suele ofrecer mejores coberturas.

Seguro de salud privado para visado / permiso de residencia

Seguro de salud privado para visado / permiso de residencia

Desde 2009, todas las personas que visitan Alemania deben tener un seguro de salud que cumpla la ley alemana.

¿No tienes claro qué opción encaja con tu situación? Haz el test de elegibilidad de 60 segundos

Reserva tu consulta gratuita ahora

El seguro de salud en Alemania puede ser sencillo. Nuestro equipo te ayuda a encontrar el plan de seguro privado adecuado, ya seas empleado, autónomo o estés solicitando un visado. Recibe asistencia personalizada y tranquilidad.

Nuestros clientes aman lo que hacemos

Descubre por qué los clientes confían en nosotros para sus necesidades de salud. Lee testimonios reales que reflejan nuestro servicio y soporte excepcionales.

PIDE UN PRESUPUESTO GRATIS
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

Corredor independiente de seguros de salud asesorando a un cliente internacional en Alemania

¿Por qué elegir un corredor de seguros de salud independiente?

My Healthcare Broker es un corredor independiente de seguros de salud en Alemania que ofrece orientación clara, planes a medida y soporte fiable, para que encontrar la cobertura adecuada sea simple y sin estrés.

  • Comparación transparente

    Emparejamos tu perfil con las mejores tarifas pre-calificadas.

  • Soporte 24/7

    Siempre disponibles para ayudarte con tus necesidades de seguro.

  • Servicio excepcional

    Soporte continuo durante todo tu camino sanitario, especialmente tras la contratación.

  • Servicio exclusivo de Concierge sanitario

    Soporte sanitario premium y personalizado para nuestros clientes.

Ventajas del seguro de salud privado

Mejor cobertura por menos dinero. Ahorra hasta 4.000 € al año.

Seguro de salud privado

Cobertura excepcional

Desde 148 €

  • Planes y prestaciones individuales seleccionables
  • Cuotas calculadas según tu edad de entrada y la cobertura elegida
  • Cobertura más completa con beneficios adicionales disponibles
  • Gafas, lentes de contacto y cirugía refractiva: cobertura incluida
  • Seguro dental: cobertura dental completa incluida
  • Hospitalización: amplia cobertura hospitalaria, incluyendo habitación individual, tratamientos avanzados y atención del jefe de servicio
  • Menores tiempos de espera para especialistas y citas preferentes
  • Libre elección de médico, incluyendo especialistas y atención del jefe de servicio
  • Cobertura para tratamientos de medicina alternativa

Si tus ingresos superan el umbral, eres asegurado voluntario y puedes elegir un seguro de salud privado. ¡Pide tu presupuesto gratis!

Seguro de salud público

Cobertura básica

€642

  • Planes y prestaciones uniformes para todos
  • Cuotas calculadas según los ingresos, lo que genera contribuciones altas para los salarios elevados
  • Cobertura limitada por las regulaciones del sistema obligatorio
  • Gafas, lentes de contacto y cirugía refractiva: sin cobertura
  • Seguro dental: cobertura básica o inexistente
  • Hospitalización: cobertura estándar, habitualmente habitaciones compartidas y sin atención del jefe de servicio
  • Tiempos de espera largos y, a veces, acceso limitado a especialistas
  • Cobertura limitada para terapias y servicios de rehabilitación
  • Sin cobertura para medicina alternativa

Si tus ingresos como empleado no alcanzan el umbral, eres asegurado obligatorio y debes afiliarte al seguro de salud público.

Cuota de ejemplo para un empleado de 32 años

Seguro de salud privado para Alemania

Asistencia en español

Asistencia experta en español para una comunicación clara durante todo tu camino sanitario.

Consulta gratuita

Descubre el plan perfecto con nuestra consulta gratuita. Tu salud, tu plan, tu tranquilidad.

Garantía del mejor precio

Si encuentras el plan que te ofrecemos a un precio más bajo, te devolvemos la diferencia.

Servicio excepcional

Disfruta de un soporte excepcional durante todo tu viaje sanitario, pase lo que pase.

Usamos tu teléfono para una breve consulta gratuita, así podemos evaluar bien tu situación e indicarte el plan adecuado.

Rated Excellent on TrustpilotRated 5 out of 5 starsTrustpilot logo

Gestiona tu salud desde el móvil

Nuestra app simplifica la gestión de tu salud.

La app móvil de My Healthcare Broker mostrando una póliza de seguro de salud en un smartphone

Corredor de seguros de salud en Alemania, preguntas frecuentes

Reserva tu consulta gratuita ahora

El seguro de salud en Alemania puede ser sencillo. Nuestro equipo te ayuda a encontrar el plan de seguro privado adecuado, ya seas empleado, autónomo o estés solicitando un visado. Recibe asistencia personalizada y tranquilidad.