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Mejores proveedores

El mejor seguro privado de salud en Alemania

El «mejor» depende de tu perfil. Clasificamos las opciones más fuertes para cada perfil habitual: empleado, autónomo, funcionario, familia y recién llegado.

Cómo clasificamos los mejores seguros privados de salud

El mercado alemán tiene alrededor de 30 aseguradoras privadas de salud con cobertura integral, y ninguna es la mejor para todos. Evaluamos cada una según cinco criterios y los ponderamos de forma distinta para cada perfil, porque la aseguradora más fuerte para una persona sana de 30 años rara vez es la mejor para una familia o un funcionario. Las calificaciones independientes alemanas de Franke & Bornberg, Morgen & Morgen y Assekurata alimentan cada evaluación.

  • Estabilidad de precios

    Cómo de moderadas han sido las subidas de prima de la aseguradora a lo largo de 10 a 20 años, no solo la tarifa de hoy.

  • Calidad de la cobertura

    Profundidad de las prestaciones ambulatorias, hospitalarias, dentales y de salud mental en tarifas integrales.

  • Servicio y siniestros

    Con qué rapidez se liquidan los siniestros y lo sencilla que es la aseguradora en el día a día.

  • Acceso digital y en inglés

    Calidad de la app, documentos y soporte en inglés, lo que más importa a los recién llegados.

  • Solidez financiera

    Solvencia a largo plazo y el tamaño de las reservas de envejecimiento de la aseguradora (Alterungsrueckstellungen).

Lo mejor por perfil

Olvida las listas genéricas de «top 10». Ajusta la respuesta a tu perfil real.

  • Mejor para empleados con altos ingresos

    Allianz, DKV y Ottonova, todas sólidas para clientes por encima del umbral que quieren cobertura integral y buen servicio.

  • Mejor para autónomos

    Hallesche y DKV puntúan bien de forma constante: primas competitivas, alta sencilla y ventajas de estructura mutualista.

  • Mejor para funcionarios

    Debeka y Signal Iduna lideran las tarifas de Beihilfe, con subidas de prima conservadoras a largo plazo.

  • Mejor para recién llegados

    Ottonova por su servicio en inglés. HanseMerkur Expat para contratos de corta duración (1 a 5 años) antes de pasar a largo plazo.

Profesional joven trabajando con un portátil en una oficina alemana moderna y luminosa

Mejor para empleados por encima del umbral de ingresos

Si ganas por encima del umbral de ingresos de 77.400 euros en 2026, tu empleador paga hasta la mitad de tu prima, con un tope de unos 500 euros al mes. Esa aportación hace que la cobertura integral de una aseguradora premium sea realmente asequible, y Allianz, DKV y Ottonova destacan aquí por profundidad de cobertura y servicio. Pero la aportación puede ocultar una prima que sube rápido, así que seguimos orientando a los empleados hacia aseguradoras con un historial de subidas moderado, HanseMerkur y Hallesche, en lugar de la más barata el primer día.

Freelancer autónomo trabajando con un portátil y un café en un espacio de trabajo luminoso en casa

Mejor para autónomos y freelancers

Los autónomos y freelancers asumen la prima completa sin aportación del empleador, así que el valor a largo plazo importa más que en cualquier otro perfil. Ahí es exactamente donde HanseMerkur y Hallesche destacan en 2026: primas competitivas, un historial de subidas estables y devoluciones de prima que reducen tu coste efectivo en los años sin siniestros. Ambas están hechas para quienes mantienen un contrato durante décadas.

  • HanseMerkur

    Subidas estables a largo plazo y soporte en inglés, una opción sólida por defecto para freelancers.

  • Hallesche

    Estructura mutual, devoluciones de prima y cobertura dental líder del mercado, ideal para horizontes largos.

HanseMerkur vs Hallesche vs ARAG

Las tres aseguradoras hacia las que orientamos a la mayoría de clientes, y en qué destaca cada una. Recopilado de fuentes públicas y datos de cotización de correduría.

Choose a plan to compare

Estable, apta para inglés
TitularidadMutua
Posicionamiento de precioCompetitivo
Estabilidad de precio a largo plazoEntre las más estables
Familia joven feliz con dos niños pequeños en un salón luminoso en casa en Alemania

Mejor para familias y recién llegados de habla inglesa

Para familias, Gothaer y HanseMerkur lideran en 2026. Cada hijo se asegura en su propio contrato a una tarifa infantil más baja en lugar de añadirse al tuyo, y un recién nacido puede incorporarse en los primeros tres meses sin examen de salud. Si el servicio en inglés es tu prioridad como recién llegado, HanseMerkur y Hallesche ofrecen soporte y documentos en inglés, mientras que Ottonova funciona con una experiencia totalmente digital y en inglés. Para cobertura a largo plazo solemos recomendar HanseMerkur o Hallesche, con Ottonova indicada para quienes quieren gestionarlo todo desde una app. ¿Nuevo en el país? Empieza con nuestra guía para recién llegados sobre el seguro privado de salud.

  • Mejor para familias

    Gothaer y HanseMerkur, tarifas infantiles en contrato propio y cobertura ambulatoria y dental sólida.

  • Mejor para servicio en inglés

    HanseMerkur y Hallesche para cobertura a largo plazo, Ottonova para una experiencia totalmente en app.

Cómo encontrar tu mejor opción

1

Confirma que puedes acceder

  • La cobertura privada está abierta a empleados que ganan por encima del umbral de ingresos de 77.400 euros (2026), a los autónomos con cualquier ingreso, a los funcionarios y a los estudiantes.
  • Si como empleado ganas por debajo del umbral, el seguro público suele ser la mejor vía, y te lo diremos con honestidad si es tu caso.
2

Empareja tres aseguradoras con tu perfil

  • Una correduría reúne ofertas comparables y vinculantes de las aseguradoras más fuertes para tu perfil, normalmente HanseMerkur, Hallesche y ARAG, junto con cualquier otra que merezca la pena ver.
  • Comparas tarifas integrales equivalentes en precio, cobertura y estabilidad a largo plazo, no afirmaciones de marketing.
3

Solicita a la mejor opción

  • Completa una declaración de salud y elige tu tarifa, franquicia y opción de devolución de prima. Las respuestas precisas importan.
  • Tu correduría gestiona la cancelación de tu cobertura actual para que el nuevo contrato empiece sin interrupción.

Preguntas frecuentes

Consigue una comparación gratuita e independiente

Llamada gratuita de 30 minutos con un corredor con licencia. Comparamos las aseguradoras más fuertes para tu perfil exacto, HanseMerkur, Hallesche, ARAG y otras, según tu edad, salud y presupuesto. El teléfono es obligatorio para poder devolverte la llamada y confirmar una hora.

Nuestros clientes adoran lo que hacemos

Descubre por qué nuestros clientes confían en nosotros para su salud. Testimonios auténticos que reflejan nuestro servicio y apoyo.

SOLICITA UNA COTIZACIÓN 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