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Private Health Insurance
for employees

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Private Health Insurance
for Self‐Employed

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Private Health Insurance
for visa/residence permit

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    Free health insurance quotes tailored to meet your needs
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    Licensed German health insurance broker
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    Full English speaking support
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    Fast & simple processing
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    Exceptional after‐sales service and a
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Christof V. Captain at Ryanair

Betina gave me very good advice about the regulations in Germany and how to find a good private health insurance. She replied within half an hour after I sent an e-mail with a good explanation. I would definitely recommend Betina when you come to Germany for her thorough knowledge and experience with German health providers!

Shane Thomas Managing Partner

Bettina is "simply the best". It would be rude not to recommend the services that she provides. Insurances (particularly health insurances) can be something of a minefield for non-native speakers based in Germany. Bettina makes it simple and even pleasurable to handle insurance matters. Can't recommend her services highly enough.

Eleanor Scerri Associate Professor / Max Planck Institute

Bettina helped us to get private health insurance in Germany after we moved over from the U.K. We cannot speak any German yet and we were quite worried about how to organise everything. Bettina was extremely helpful, responding to emails quickly and was very proactive in getting everything sorted for us. I would not hesitate to recommend her Servic

Ludovic Milosevic Genaral Manager

Hello, I recently moved to Germany in Jan 1st 2019 and needed to get the right private insurance. Unfortunately I did not speak German and was really lost between the various offers. Bettina has been tremendously helpful in providing me with a tailored contract that fits my needs. It felt good to be supported. I can recommend Bettina warmly.

Rodney Dilworth Telecommunication Specialist

I sincerely recommend Bettina while she is a very dedicated, personal yet professional and knowledgeable Insurance Broker who will go out of her way to assist you with any issues you may have. She has helped me in so many ways and without her assistance I would be still struggling with my Health Insurance issues... Thanks Bettina....

Abhishek Arya Senior Application Expert

Bettina knows her work well. It’s rare that you come across standout help like Bettina. I was particularly impressed by Bettina's ability to handle even the toughest situations (like mine)—and effortlessly. That skill often takes years to develop, but it seemed to come perfectly naturally to her.

Narasappa Ananthraj Project Manager (Continental AG)

I got my Health Insurance through Bettina, not only she is highly Professional however very quick and has sound knowlege in her domain, gathering required documents and the whole process involved to get a health Insurance was a "cake walk" and this is just because of Bettina´s working style which is ofcourse admirable.

Popescu G. Founder of CYBERWALL

After arriving in Germany, I had to select a health insurance, I tried self-research, but it was impossible to find something that would suit my needs. I was lucky enough to find Bettina, which was very informative and gave me several options to choose from. I am thankful to have a broker that represents my interests so well and someone I can trust

Camelia Cucolea Visual designer

A pleasure working with Bettina. I used the services twice, everything was explained and all my questions answered. It was a very smooth process. Highly recommend.

Salek Abdalhaziz Engineer

I came across Bettina and since then Bettina has helped me from the beginning to choose a private health insurance adequate to my needs, the documentation and solve all kind of issues. She is very experienced, helpful, professional and will represent your interests to the highest standards. I highly recommend her. Thanks a lot Bettina!!

Amy Kao Investment Associate

Bettina is very friendly and highly knowledgeable on various insurance schemes. She effectively and efficiently support me in a time sensitive request. Highly recommend!

Robert Maneikis Project manager

Very pleased with the details that insurance broker provided. The offer was tailored perfectly to my requirements by Bettina Ostermann. I am happy to refer my friends or family to the mentioned broker.

Christian Savakis Pilot

Bettina Ostermann helped me with my German health insurance a lot. As a foreigner I had many questions and Bettina was always there to assist. Very quick and all the answers were satisfactory. I would definitely recommend her services for everyone who needs help with his/her German health insurance.

Nina Burke independent consultant

Excellent service with Bettina and her team. Bettina helped me choose insurance upon my move from the USA to Germany. Amazing to have assistance filing claims, understanding coverage, and interacting with the insurance company on my behalf. It has really made a big difference for me! Thank you.

Ananthraj Narasappa Project Manager

Excellent service !

David Bell Engineer.

Highly, highly recommended! Bettina is extremely professional, friendly and offers an excellent service. She took care of my private health insurance needs and I have been very happy ever since. Look no further - her service is absolutely top class.

Pavel Nicusor Raiu Test manager of test managers for Volkswagen on behalf on Wipro GmbH

Hello, Bettina Ostermann took care to all my requirements being professional and always responsive to all my medical concerns and more important resolving the issues encountered. Thank you and regards, Pavel Nicusor Raiu Lead engineer Project stream T: +4915236753280

Cynthia Sanchez IT Project manager

I'm very pleased working with Betinna and her colleagues. They have been absolute stars helping me manage all my insurance bills and reimbursement. I recommend Woking with her.

Stefan Kaptein Owners Site Manager

I'm so happy that when I start working in Germany Bettina and Iris helped me finding the way in the healthcare jungle in Germany. Without their help, I would be lost. If you don't have any knowledge about finding the right health insurance, myhealtcarebroker.de is the best.

Dan Marincu Cloud Application Architect

The interactions with Mrs. Betinna Ostermann were always fruitful and pleasant. She and her Team is a genuine customer obsessed always on the journey to find the best possible fit for any insurance need. Thank you for your service!

Bahram Parvizi Managing Director

Thank you very much for your professional services, every time supportive, trustable and so kind... THANK YOU AND GOOD LUCK

Tracey Pierson Marketing Director

I have worked with Bettina and her colleague, Iris, for four years now. I am a Canadian living in Germany. Navigating healthcare insurance was overwhelming when we first arrived. I am grateful to have found Bettina in 2019. They are a great team and I fully trust them. And they're friendly too. ***** Five Stars!

Pailin Srichai Project Manager

Bettina has been extremely friendly and wonderful. She is very helpful and knowledgeable and is always willing to assist me when I have a ton of questions about healthcare. I would highly recommend working with her :)

Flora Cadzow Designer

Very efficient service, with excellent communication. Reliable, friendly, and professional.

Peter Dayan Professor

My wife and I came to Germany in 2018. Bettina Ostermann gave us most helpful advice about navigating a healthcare system that I was surprised (and disappointed) manages to be even more complicated and obscure than that in the US. We were most grateful for Bettina's sage wisdom.

Konrad Jakubowski VP

Best health care broker in Germany I ever worked with!

Darshankumar Gorasiya Senior Data Engineer

I had a fantastic experience with MHCB. Their processing was simple and fast, their english speaking support was great, and they were always available to answer my queries. Highly recommended!

Michail Stamoulis Senior Service Development Manager

I have the pleasure of cooperating with Bettina and Iris and I wholeheartedly recommend their exceptional services. Their expertise, promptness, and dedication to finding the perfect health insurance plan and dealing with daily errands are truly outstanding. If you're seeking a reliable broker who delivers excellent results, look no further!

Nick Byrne Software developer

A fabulous service! As someone who was moving to Germany for the first time, I was concerned about how I would navigate the German healthcare system and related administration duties. My Health Care Broker showed me that I did not need to worry - they took care of everything for me! The support service is also fabulous (and in English) - thank you.

Daniele Marmiroli VP Tech

As an expat, working with you saved me a ton of time and helped me find a health insurance tailored to my needs. I have already referred you to a coworker of mine who also found a much better deal than the one she previously had. I can confidently advise anyone in search of a health insurance to save time and money by availing on your services.

Marin Knez Director of Revenue

Friendly, efficient, and timely service to all my healthcare questions and concerns. It is a pleasure to work with the team! Great experience and highly recommended!

Guillermo van Maanen Senior Strategy Consultant

Outstanding support from Bettina and her team on understanding the German Health Insurance market; they were able to offer me an option that fits my needs and their support, after having the coverage, has been outstanding. Thank you! Looking forward to continue counting on your support.

Richard Madgwick Energy Trader

Bettina and Iris have provided tremendous support not only in finding an insurer, but in helping me deal with all of the admin of making claims and disputing payments etc. This has been extremely useful as a non German speaker! Highly recommend!

Stan Mavis Global Director Gear Canyon Bicycles

Living as an expat in Germany can be challenging. Especially when navigating the health care system. Bettina, Iris and all their knowledge and resources have made everything super comfortable. My wife and I totally appreciate what they have done and do for us. We would highly recommend them.

Ted Kim CEO

Competitive & great customer service on all levels. Would highly recommend 100%. Thank you Bettina & Team

John Bryan Sazon Software Engineer

My experience so far has been really great with Bettina. She is very responsive with my queries. Reimbursements are always processed in a timely manner.

Vincent Production Manager

Excellent service from Bettina and her team - thank you.

David Maisela Investment Manager

It has been great, very useful, and satisfying to work with this company. My requests and queries were promptly addressed to my satisfaction. lastly, Solutions to my needs and advises given were amazing and have helped me a lot!

Lukas H CEO

We have been working with My Health Care provider for approx 8 years now. Super fast and efficient service( claims, applications, etc ). Constantly optimising on our behalf. Both in English and German. I highly recommend working with them. Both Bettina and Iris are professional and very kind.

Venkat Marina Company Director

I have taken the services for my Health Insurance through Bettina. She is very helpful and good at finding the best policy which suits our needs. She has got very good knowledge and experience. She always replies to my emails and follow up if any information requires from Insurance company. I am happy with her service.

MM Compliance Officer

Bettina has always supported me very well and I was always able to contact her when I had questions!

Scott Nisbet Executive

Excellent and speedy service handling all my medical claims - Extremely proficient with English which makes the process even easier

Giles Nalty Construction manager

I have used the services of Bettina and her team for many year now and found their assistance most helpful .I do not think i would be able to mange the complexities of the German healthcare system without them

Pailin Project Manager

Bettina and Iris made navigating insurance in Germany alot easier. They are both so warm and helpful and took care of everything for me (paperwork, communications with the insurance provider etc). It was a very supportive and informative experience and I highly recommend working with them.

Ted Kim

Excellent service from the start. Bettina & Iris offer unparallel service which can't be matched. Followup claim handling is quicker than AI itself! Highly recommend for all types of individual situations.

Ilario Salatino Software engineer

Bettina has helped me switching to private insurance, taking care of all the paperwork in just a few days. Every time I’ve asked for support she’s always been very responsive and supportive, whether I needed to deal with the paperwork, informations, or booking appointments.

Antonio Cuni Principal Software Engineer

My experience with My Health Care Broker has been excellent. They assisted me in everything which was needed to communicate and deal with my German health insurance company. I never had to communicate with the health insurance directly, it was enough to send an email (in english) to Iris, and she took care of everything. 100% recommended.

Rocco De Rosa Data Science Manager

I am insured with the service since years. The professional services and the communication is perfect. They are always ready to help with kindness and reply very fast to inquiries. I really recommend!

Paola Caselli Prof. Dr.

I would like to thank Iris Schüddekopf for her continuous help over the years in allowing me to understand the Gothaer Health Insurance procedures. She always answers my emails quickly and efficiently. She gives me valuable input and advice. All this has been so important to me!

Muhammad Taha Ahmed Senior System Engineer

I used their services for about 2 years. First as a single person and then later for my wife and kid. The team is very helpful and especially Iris. She is always very calm and answers about every confusion. I would definitely recommend them as your private health partner.

Arun Jethwani Android Developer

From the beginning, I felt in good hands with My Healthcare Broker. The entire process was straightforward and transparent. The exceptional customer service, always available and prompt in resolving issues, stood out

Omkar Bhardwaj Software Engineer

The consultation and service from Myhealthcarebroker were top-notch. Within a short time, I had a tailored offer that perfectly suited my needs. I was particularly impressed by the after-sales support, which answered all my questions patiently

Devesh Ram Fullstack Developer

Michael provided exceptional assistance in choosing my private health insurance. The advice was professional and friendly, and he and Bettina took the time to understand my needs and present the best options. Highly recommended!

Sujaya Mehta Cyber Security Manager

As an expat in Germany, finding the right health insurance was challenging. Bettina and Michael made the process easy and stress-free. The quick and competent advice in English was exactly what I needed. Thank you for the excellent service

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Find the right private
health insurance for you
at the best price

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Private Health Insurance
for employees in Germany

Everyone who lives in Germany must have health insurance. If you become an employee, you’ll be automatically signed up for public health unless you meet the gross income threshold of €69,300 per year or €5,775 per month.

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Private Health Insurance
for freelancer & self-employed

The 2009 health insurance reform made it compulsory for everyone who lives in Germany to have adequate health insurance — including people who are self-employed.

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Private Health Insurance
for visa/residence permit

As of 2009, everyone who visits Germany must have health insurance which complies with the German law. Therefore, before you apply for a visa or residence permit in Germany, you have to show that you have valid health insurance.

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Interested in our services?

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Customer service

We are a German insurance brokerage agency specializing in international clients, with a focus on private health insurance. Our service and many years of expertise offer expats and people from all over the world who want to settle in Germany individual solutions to ensure a quick and uncomplicated migration. Experience, competence, commitment as well as quick action and reaction characterize our way of working.

With our English-speaking team, we are close to our international customers, understand their needs and provide exceptional after-sales services.
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Our process for customers


Book a free consultation with us

  • check mark Fill in the form so we can get in contact with you
  • check mark In a short phone call, we’ll clarify all of your important questions
  • check mark We’ll examine your personalized health insurance options
  • check mark Afterwards, we’ll send you a quote with the various options for your consideration

Health insurance application

  • check mark In coordination with you, we’ll do all the paperwork and fill in the application form
  • check mark We’ll contact the insurance company and send them all the documents
  • check mark We’ll also terminate your previous insurance, if necessary
  • check mark We oversee the entire process to ensure that everything is processed perfectly

Exceptional after sale service

  • check mark Our service is entirely free of charge
  • check mark We’ll take care of the billing for you in the event of a claim
  • check mark We’ll also settle your premium refunds
  • check mark We’ll support you when your employer or the tax office requests documents
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Corporate service

Looking for a reliable and experienced health insurance broker to help your clients navigate the complex German healthcare system? Look no further than our company, a leading provider of health insurance solutions for international individuals and families settling in Germany.

With years of experience working with agencies and other organizations to help international people find the right health insurance coverage, we understand the unique needs and challenges that come with living and working in a foreign country.

Our team of experts is dedicated to providing personalized service and support, working closely with your clients to understand their specific needs and find the best insurance options to suit their budget and lifestyle.
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Our process for corporates


Book a free consultation with us

  • check mark Request a telephone appointment so we can discuss your concerns
  • check mark In a short phone call, we’ll clarify all of your important questions about your client’s needs
  • check mark We’ll contact your client to discuss all their questions and examine their health insurance options
  • check mark We’ll send you and your client a quote with various options so you can discuss it together afterward

Health insurance application

  • check mark In coordination with your client, we’ll do all their paperwork and fill in their application form
  • check mark We’ll contact the insurance company and send them all the documents
  • check mark We’ll also terminate your client’s previous insurance, if necessary
  • check mark We oversee the entire process to ensure that everything is processed perfectly

Exceptional after sale service

  • check mark Our service is entirely free of charge
  • check mark We’ll take care of the billing for your client in the event of a claim
  • check mark We’ll also settle your client’s premium refunds
  • check mark We’ll support your client when their employer or the tax office requests documents

Private Health Insurance For Germany

  • check mark
    Free private health insurance quotes tailored to meet your needs
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    Quote within one hour
  • check mark
    Licensed German private
    health insurance broker
  • check mark
    Full English speaking support
  • check mark
    Fast & simple processing
  • check mark
    Exceptional after‐sales service
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Get Your Free Quote Now!

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Can I return to the statutory health insurance ?

Does the premiums in private health insurance increase with age ?

Are private health insurance companies able to terminate contracts in case of a disease ?

Do I have to pay my doctor's bills in advance ?

Public or Private insurance?

Benefits overview: Public vs. private insurance in Germany

Who has access to private health insurance?

What are the benefits of a private health insurance in terms of coverage?

What does the cost for private insurance depend on?

What are the key advantages of private insurance over public insurance?