Myhealthcarebroker Reviews 159

TrustScore 5 out of 5

4.9

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their exceptional helpfulness, knowledge, and proactive approach, making complex processes surprisingly easy. Many highlight the outstanding customer service, noting the clear explanations provided in English, quick response times, and the personalized support received throughout their journey. People appreciate feeling supported and understood, with many describing the experience as seamless and stress-free. Some people were dissatisfied with the response time and communication, mentioning delays in receiving information or being passed between different brokers. A few other people also felt that the process was messy and that they did not receive the expected support, leading to frustration and uncertainty regarding their insurance situation.

What people talk about most

Staff

People report positive experiences with staff, highlighting their professionalism, helpfulness, and genuine... See more

Service

Customers consistently report positive experiences with the service. Many reviewers highlight the... See more

Customer service

Clients share positive opinions on customer service, frequently highlighting the helpfulness and efficiency... See more

Response time

Users describe positive interactions with response times. Customers consistently praise the quick and... See more

User experience

Customers consistently note positive experiences with the user experience, often highlighting the ease and... See more

Based on these reviews

Rated 5 out of 5 stars

The whole process took about two weeks from first call to signed policy. No endless back-and-forth, no confusing paperwork. They handled the communication with the insurer and kept me updated througho... See more

Rated 5 out of 5 stars

I moved to Germany a few months ago and felt completely lost trying to figure out the healthcare system. I got in touch with Bettina after seeing her mentioned in a Facebook group, and I couldn't have... See more

Rated 5 out of 5 stars

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 an... See more

Rated 5 out of 5 stars

Bettina helped us arrange private health insurance in Germany after moving from the UK. As we don't speak German, we were worried about the process, but she was extremely helpful, quick to respond, an... See more

Rated 5 out of 5 stars

Moved to Germany for a tech role and was completely lost with the GKV vs PKV decision. MyHealthcareBroker walked me through the long-term implications honestly, including the downsides. Ended up switc... See more

Rated 5 out of 5 stars

After moving to Germany, I was in desperate need of health insurance. I initially tried going about it myself, but after months of back and forth with frustrating providers, I needed help. Bettina was... See more

Rated 5 out of 5 stars

I had spoken with a couple of brokers and honestly it felt like they were just sending me random offers without really listening. With Michael it was different. He actually asked questions about my jo... See more

Rated 5 out of 5 stars

Dealing with health insurance in Germany can be tricky, but having MIchael on your side makes it a whole lot easier. He's got this knack for breaking down the complicated parts so you can actually u... See more

Rated 4 out of 5 stars

I had a consultation to check if private health insurance would be a good option for me as a freelancer. In the end they told me that due to my age it's probably not the right fit. I appreciate the ho... See more

Rated 5 out of 5 stars

Since my German is limited, connecting with Bettina who could explain everything in English was incredibly helpful. She took the time to clarify each step, answered all my questions no matter how smal... See more

Rated 5 out of 5 stars

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. Tr... See more

Rated 5 out of 5 stars

I've got to give a shoutout to Bettina for helping me switch from my old German health insurance to a private plan. She really knows her stuff and made the whole process super easy. Bettina laid... See more

Rated 5 out of 5 stars

Hello, I recently moved to Germany 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 hel... See more

Rated 5 out of 5 stars

Bettina and Iris have made my experience with private health seamless so far. They are super supportive and quick to respond to any queries I've had. The entire on boarding process was very smooth... See more

Rated 5 out of 5 stars

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 stron... See more

Rated 5 out of 5 stars

I have been a customer here since 2019 when I moved to Germany. The process of finding a private insurance was fantastic, Bettina was great in describing all the choices, the tax benefits, etc. But th... See more

Rated 5 out of 5 stars

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 kno... See more

Rated 4 out of 5 stars

After our initial meeting, I received a follow up call from Bettina to make sure I had no further questions. That personal check in was really appreciated and shows they care beyond just making a sale... See more

Rated 5 out of 5 stars

Insurance talk used to give me headaches. Michael made it straightforward, he compared options, explained the differences and helped me feel confident in my choice. Even months later, I can still reac... See more

Rated 5 out of 5 stars

Since I arrived in Germany, not knowing anything about the healthcare system, I was very lucky to find Iris Schüddekopf, a consultant at this company. She not only was able to help me find the best pr... See more

Rated 5 out of 5 stars

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... See more

Rated 5 out of 5 stars

I signed up with Hallesche thanks to Bettina, and I couldn’t be happier. She is incredibly understanding, always quick to respond, and explains everything very clearly. If you’re looking for a high-qu... See more

Rated 5 out of 5 stars

The help from Bettina and Iris to find a health insurance, do the paperwork, and help me understand the policies is truly outstanding! Their response is quick, comprehensive, in perfect English (or Ge... See more

Rated 5 out of 5 stars

Bettina and her team have been doing an excellent job supporting me over the past few months. I always feel comfortable reaching out to her directly whenever I have a query. She is consistently respon... See more

Rated 5 out of 5 stars

After being insured for one year, I ran into some difficulties with my policy. Iris stepped in quickly and resolved all my issues, making the after service care truly exceptional. Her support was a gr... See more

Rated 5 out of 5 stars

The team at myhealthcarebroker are absolutely fantastic. I have been a client since my day 1 in Germany(4.5 years ago). I unfortunately had an accident a few years ago and I was unsure what to do nex... See more

Rated 5 out of 5 stars

Bettina is simply the best. It would be rude not recommend the service that she provides. Insurances (particularly health insurances) can be something of a minefield for non native speakers based in G... See more

Rated 5 out of 5 stars

I'm not German and it shows, especially with bureaucracy. Bettina helped me translate all my documents into English and explained every step. It felt like having a friendly coach throughout the proces... See more

Rated 5 out of 5 stars

I had a really nice experience with this company from the first moment I told them I need help. They took care of my problem imediately and they done the impossible and fixed my problem before I got... See more

Rated 5 out of 5 stars

I had an amazing experience with Bettina as my health care broker, to covert to private health insurance, even though the process became a little complicated. She was conveniently reachable throughout... See more

Rated 5 out of 5 stars

Bettina first contacted me via LinkedIn, just as I was considering switching from public to private health insurance after years at Zalando. The timing couldn’t have been better. She was clear,... See more

Rated 5 out of 5 stars

I'm not fluent in German, so having Bettina explain policy terms in English was a lifesaver. She translated all key documents and patiently answered follow-up queries until I felt totally comfortable.... See more

Rated 5 out of 5 stars

Exceptional service. Not only great for finding a good health insurance provider but will continue to support throughout the period you are using the provider. Very useful to help navigate how the s... See more

Rated 5 out of 5 stars

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 heal... See more

Rated 5 out of 5 stars

Bettina was extremely helpful throughout the process of searching for a health insurance package. My situation was complicated but she took the time to explain how the system works and ensure I unders... See more

Rated 5 out of 5 stars

Bettina guided me step by step through the private insurance process. Her clear explanations removed all my doubts and the change was completely hassle free.

Rated 5 out of 5 stars

I had some confusion with my old insurance about when coverage actually started. They took care of it directly with TK and explained everything back to me. That saved me a lot of stress.

Rated 5 out of 5 stars

Michael explained the whole thing without rushing me. He compared different plans and made sure I knew exactly what I was signing. Felt very transparent.

Rated 5 out of 5 stars

Would definitely recommend using 'My health care broker' for your private health insurance needs. Being a Expat, they made my whole journey very easy and you can communicate with them in English ;)... See more

Rated 5 out of 5 stars

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.

Rated 5 out of 5 stars

It has been an amazing experience so far with Myhealthcarebroker and with Bettina. They have always explained the situation with details and given me a great service whenever I was in need. I highly r... See more

Rated 5 out of 5 stars

Michael helped me understand my options without any pressure. He listened to what I needed and made sure I felt confident before moving forward.

Rated 5 out of 5 stars

MyHealthCareBroker is a very good company, supporting people with Private health insurance. I have a very good experience contacting Bettina, she has provided all the necessary information that I have... See more

Rated 4 out of 5 stars

I was called after I signed up to ensure I had no unanswered questions. The proactive approach and willingness to explain even the smallest details made me feel valued as a client. I've never experien... See more

Rated 2 out of 5 stars

The first broker we made an appointment with never bothered to show up or cancel. She sent emails instead and then passed us off to a different broker in the company. The new broker asked us a lot of... See more

Company replied

Rated 5 out of 5 stars

Sorted me out quickly Needed insurance fast for new job. Michael got everything ready in 1 Week including all the paperwork for HR. Saved me alot of stress.

Rated 5 out of 5 stars

A colleague recommended them to me. I reached out on a weekend and received a response in under an hour. Bettina was incredibly proactive, explained everything clearly, and handled the entire transfer... See more

Rated 5 out of 5 stars

After a close friend spoke highly of the service, I decided to give it a try. The friendly yet informative approach ensured I was comfortable with every step of the process.

Rated 5 out of 5 stars

Me and my man got private health insurance through Bettina about a year ago. Even today I can still call her i if I have questions about my insurance and she always takes the time to help.

Rated 4 out of 5 stars

Working with the team felt more like talking to a friend than to a salesperson. The consultation was professional but also warm and understanding of my personal situation. Made me feel at ease.

Rated 5 out of 5 stars

I moved here from New Zealand and honestly had no clue how Germany’s health-insurance system even worked. From day one, Bettina made everything so much simpler. She talked me through my options... See more


Company details

  1. Health insurance agency
  2. Insurance broker

Written by the company

Myhealthcarebroker.com is an independent consultancy specializing in private health insurance in Germany. We support expats and international employees in finding the right insurance plan that fits their needs and budget – and our service is completely free. We focus on explaining the private health insurance cost, the differences to the public system, and the advantages of private coverage. Our advice is transparent and independent: we compare providers honestly and guide our clients step by step in plain English. With tailored recommendations and long-term support, we make sure your insurance continues to fit your life in Germany.


Contact info

4.9

Excellent

TrustScore 5 out of 5

159 reviews

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Replied to 100% of negative reviews

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Rated 5 out of 5 stars

Having two incomes above the threshold…

Having two incomes above the threshold means both of us qualify for private. We were a bit worried about how it works with kids but it turned out to be no big deal. Myhealthcarebroker helped us figure out the best option and now our whole family is covered properly.

3 April 2026
Unprompted review
Rated 5 out of 5 stars

I put off dealing with insurance for…

I put off dealing with insurance for way too long after I arrived in Germany. Just seemed like too much to figure out on top of everything else. When I finally got around to it I was expecting a nightmare but myhealthcarebroker made it pretty painless. Couple of calls, some emails back and forth, and I was sorted within two weeks. That was almost 4 years ago. Still with them and never had any issues.

28 December 2025
Unprompted review
Rated 5 out of 5 stars

It’s been almost 3 years I am in…

It’s been almost 3 years I am in connect with Bettina and her team for single contact for having any medical issue or any guidance related to German laws.

Very helpful and always easy approachable feel like am blessed to have you after moving to Germany.

25 March 2026
Unprompted review
Rated 5 out of 5 stars

Honestly a bit frustrated that I was on…

Honestly a bit frustrated that I was on public insurance for so long without knowing I had a choice. HR never said anything and I just paid what they took from my paycheck. Myhealthcarebroker explained my options and helped me switch. Saving a few hundred euros a month now which adds up.

13 February 2026
Unprompted review
Rated 5 out of 5 stars

hate dealing with paperwork and…

hate dealing with paperwork and bureaucracy so I avoided the insurance topic as long as I could. When I finally reached out to myhealthcarebroker they just handled it. Didnt have to stress about it.

17 February 2026
Unprompted review
Rated 5 out of 5 stars

Outstanding support for expats (in English and with real care)

As an expat in Germany, dealing with insurance paperwork can be stressful, especially if German isn’t your first language. While I initially arranged my ARAG policy with Bettina Ostermann, Iris Schüddekopf became my main point of contact and took care of everything related to my case and health insurance.

Iris helped me understand ARAG’s documentation, acted as an intermediary between me and ARAG, and handled the administrative steps with the insurer on my behalf. She was always kind and reassuring, but also extremely serious and professional, every question was answered clearly, and every step was handled with care and attention to detail.

If you’re an expat and you want someone who can guide you through the system, explain things in a human way, and reliably manage the communication with the insurer, I can genuinely recommend myhealthcarebroker.

3 March 2026
Unprompted review
Rated 5 out of 5 stars

Was with Ottonova for 2 years and it…

Was with Ottonova for 2 years and it was fine until I actually needed help with something. Everything through the app, no real person to talk to. Switched through myhealthcarebroker and now I just call Bettina when I have a question. So much easier.

19 February 2026
Unprompted review
Rated 5 out of 5 stars

Moved to Germany for a tech role and…

Moved to Germany for a tech role and was completely lost with the GKV vs PKV decision. MyHealthcareBroker walked me through the long-term implications honestly, including the downsides. Ended up switching to private and couldn't be happier with the coverage. Trustworthy advice from start to finish.

8 January 2026
Unprompted review
Rated 5 out of 5 stars

The whole process took about two weeks…

The whole process took about two weeks from first call to signed policy. No endless back-and-forth, no confusing paperwork. They handled the communication with the insurer and kept me updated throughout. If you're an expat earning above the threshold, just reach out to these guys.

27 January 2026
Unprompted review
Rated 5 out of 5 stars

I appreciated that they didn't just…

I appreciated that they didn't just push the most expensive option. Michael listened to what mattered to me, explained the trade-offs, and helped me find the right balance between coverage and cost. Professional, patient and actually helpful.

20 January 2026
Unprompted review

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