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Is private health insurance right for you?
High earners & freelancers
You’re employed and earn above €73,800/year, or you’re self-employed or freelancing in Germany.
New to Germany
You just moved to Germany and need to set up insurance for the first time. We’ll guide you through the system.
Faster specialist access
You’re tired of 3-month waiting times to see a specialist. Private patients get priority appointments.
Lock in low premiums
You want to lock in low premiums while you’re young and healthy — before age raises the cost.

Table Title

Public
Income-based contributionMonthly cost depends on income (approx. €275–€1,270).
Family includedNon-working spouse and children included at no extra cost.
Standardised coverageAccess mainly to GKV-contracted doctors; standardised benefits defined by law.
Longer waiting timesLonger waiting times for specialists; limited choice of senior doctors.
Private
Risk-based premiumsPrice depends on age, health status, and coverage level — not your salary.
Faster appointmentsPriority access, shorter waiting times, faster specialist and diagnostic appointments.
Customisable benefitsContract-based coverage tailored to your needs — from basic to premium plans.
Individual coverageSeparate contract per person; premiums calculated individually.
Health assessment requiredMedical history may affect acceptance, pricing or specific exclusions.
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Not sure which one fits you?

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Tell us about your situationBook a free call and share a little about your work, income and what matters most in a health plan. No forms to fill in advance. No homework. Just a conversation.
Describe Case
01
We find the best options for youAs an independent broker, we compare plans across Germany’s leading insurers — Allianz, AXA, Ottonova and more. No favourites. Just the options that genuinely fit your life and budget.
Get Options
02
You decide — fully informed, no pressureWe walk you through the pros, cons and small print of each option. When you’re ready, we handle all the paperwork. If you’re not ready, that’s completely fine too.
Advisor Help
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Not sure if you qualify? That’s exactly what the free call is for.

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What people say about us

StarStarStarStarStar

An invaluable resource for navigating Germany’s complex health insurance system. Anja Lampert was exceptionally helpful and incredibly patient.

D
Darren S.Navigating German health insurance
StarStarStarStarStar

I’m a freelancer and my case involved transitioning from expat insurance to full private health insurance. With Katharina’s help, the process was not only smooth but also stress-free.

S
SonyaFreelancer
StarStarStarStarStar

I have receive a very personalized attention since the beginning with a very high professionalism.

J
J.Starting work in Germany
StarStarStarStarStar

All meetings and communications took place in English, hence an expat with limited German language skills can understand the process and available products/portfolios.

A
AnonymInternational specialist
StarStarStarStarStar

Professional, friendly and informative. Definitely recommend them especially if you're an expat like me and you have no idea about the insurance procedure in Germany. Will walk you through the process and provide feedback in fluent English.

V
Vahid B.Newcomer to Germany

Quick answers to questions you may have

Clear guidance, tailored to your needs — just the best options for you.