100% specialized
We advise exclusively on private health insurance and know its particulars in detail.
Very high satisfaction among our clients
Real feedback from clients we have supported on their way into private health insurance.
Client voices 
4,96 · 235 reviews - 5 out of 5 stars on Google
- 235 reviews on ProvenExpert
- Referrals and long-term client relationships
Vertrauen, das man messen kann
Unabhängig vergeben: von unseren Kunden, vom TÜV Saarland und vom Testportal des F.A.Z.-Verlags.
- 3.800+betreute KundenKunden
- 5.000+durchgeführte GesundheitsprüfungenGesundheitsprüfungen
- 15+Jahre Erfahrung in der PKVJahre Erfahrung
- Top Empfehlung 2026 4,96 aus 235 Bewertungen
- Kundenzufriedenheit sehr gut TÜV Saarland
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5 von 5 Sternen Google Bewertungen - Experte für PKV F.A.Z. Kaufkompass
We are here for our clients
Our work only starts once your contract is signed. Six situations from our ongoing support.
Sandra Bökemeier Online Today
Matthias Ernst Invoice_dental_practice.pdf PDF · 1 page I have received the invoice for my dental crown. Could you please check how much of it my insurer will cover?
Of course. Your plan reimburses 90% for dentures. The material and lab costs are also fully covered by your plan.
I will be happy to forward the invoice to the claims department for reimbursement.
Matthias Ernst Thank you very much.
Tim Bökemeier Online Today
Thomas Frei Our child is born. What do we need to do now for the health insurance?
Congratulations. You have been privately insured for more than three months, so the Kindernachversicherung KindernachversicherungAdding a newborn to a parent's private policy without health questions. The application must reach the insurer within two months of birth.More about Kindernachversicherung → applies. All we need from you is your child's name and date of birth.
Thomas Frei Is there anything else I need to know?
No, we take care of the next steps and register your child with your insurer on time.
Tim Bökemeier Online Today
Sarah Vogt I am changing employers soon and will earn less. Can I still stay privately insured?
That depends mainly on whether your new income is still above the Jahresarbeitsentgeltgrenze JAEG · JahresarbeitsentgeltgrenzeThe annual income threshold in Germany. Employees who earn more than this per year may leave statutory health insurance and switch to private health insurance.More about JAEG → (JAEG) and how long you have been privately insured. Just send us the key details and we will check your options.
Sarah Vogt Do I have to do anything myself?
No, we check the requirements and tell you exactly what to do.
Tim Bökemeier Online Today
Max Schulz Hello Mr. Bökemeier, I would like to switch to a plan with higher benefits with my insurer. What do I need to consider?
If you switch to a plan with higher benefits, you may have to answer health questions again for the additional benefits.
We check which plan options your insurer offers and whether a switch is possible with or without health questions.
Max Schulz Thank you very much.
Ariane Hartleb Online Today
Arne Feldmann My insurer did not reimburse the full invoice. Could you please take a look?
Of course. Just send us the invoice and the benefit statement. We check why the amount was reduced and whether the reimbursement is correct.
Arne Feldmann Great, thanks.
You are welcome. If necessary, we will clarify the reduction directly with the insurer.
Tim Bökemeier Online Today
Dana Schmidt my premium has gone up. What are my options now?
First, we check which options you have within your current insurance under § 204 VVG and whether your premium can be reduced without giving up important benefits.
Alternatively, we can review the entire private health insurance market and compare whether switching to another insurer makes sense for you.
Dana Schmidt Thank you very much.
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We send anonymous enquiries to all insurers, so that you get the truly best plan.
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We remain your point of contact after you sign the contract, for life.
What clients value about our advice
Our clients’ trust is what we value most. Many clients especially value that our advice takes time, that we explain things honestly and that we stay available after the contract is signed. This is exactly what our reviews reflect.
Reviews from our clients
A selection of verified feedback from our clients.
Our reviews are verified on Google and ProvenExpert (235 reviews on ProvenExpert). Our service quality has also been audited by TÜV Saarland, as part of the certification of our broker group.
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Switching to private health insurance is probably not advisable for you.
From the age of 55, admission to private health insurance is often possible only with restrictions. A late switch can also mean higher premiums.
It matters to us that a switch pays off for you in the long run. That is why we do not recommend a consultation when your answers already show that the conditions are rather unfavorable.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
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