Michael Kammerer
Michael is a senior insurance advisor and IHK-licensed broker (§34d GewO). He partners with Bettina on day-to-day client work and on the editorial review of every guide and provider page on the site. His focus is the long-term, high-stakes cases.
About Michael
Michael Kammerer is a senior insurance advisor and IHK-licensed broker (§34d GewO). He spent years building broker-quoting workflows that compare premiums across 30-year horizons, which is the work clients really need when they switch from public to private cover or compare tariffs between Hallesche, Allianz, Debeka, and Ottonova.
Michael is also the author the team leans on for everything around the Konsorten and tariff-guarantee fine print. If a guide on this site mentions a contractual nuance that most English-language sources miss, the source is usually Michael's broker-quoting work.
What Michael specialises in
Michael's casework concentrates on the cases where the cheap quote is not the right quote. The toolkit is consistent across them.
- Long-horizon tariff comparison
Modelling 20 to 30-year premium trajectories across mutual and shareholder-owned insurers.
- Family and spousal cover
Coordinating tariffs and benefits across employees, spouses, and children under one household plan.
- §204 VVG inter-insurer transfers
Switching between private insurers and preserving age provisions (Altersrückstellungen).
- Tariff-guarantee fine print
Reviewing the contractual clauses that most public-facing English summaries skip.
- Self-employed tariff structuring
Premium structuring for clients with variable income, mid-career and approaching retirement.
- Public-to-private transitions
The full mechanics of the switch, including the points where the move gets blocked.
Credentials and regulatory standing
Michael 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 Michael
A free consultation is the fastest way to see your real options. Michael takes the call, listens to the situation, and walks you through public, private, and §204 transfer options side by side. No obligation, no fee.