Based in Bielefeld
Dornberger Str. 37a, 33615 Bielefeld. Personal advice by appointment only, a spontaneous visit is not possible. You can book appointments directly on this page.
Getting started
For employeesPrivate or statutoryRequirements for employeesJahresarbeitsentgeltgrenze (JAEG)Career startersCosts
Costs for employeesEmployer contributionBeitragsbemessungsgrenze (BBG)Statutory maximum contributionOld age for employeesWorking part timeGetting started
For the self-employedPrivate or statutory when self-employedRequirements for the self-employedBest plans for the self-employedSwitching to private health insuranceIs private health insurance worth itCosts and protection
Costs for the self-employedDeductibleKrankentagegeldPremium relief planOld age for the self-employedWhich plan fits your self-employment?
Start the free analysis →Getting started
For civil servantsPrivate or statutoryRequirementsPublic sectorSwitching to private health insuranceBeihilfe
Beihilfe explainedRestkostentarifFreie HeilfürsorgeDienstherr (employer of civil servants)Beihilfe plans in the directoryDecision
Family and private health insuranceAdvice for familiesChildren in private health insuranceSpousesEmployer contributionWhat does private health insurance cost for your family?
Start the family check →Health questions
Health questionsDuty of disclosureRelease from confidentialityDuty to report later changesBreach of obligationsPre-existing conditions
With a pre-existing conditionChronic conditionsRisk surchargeBenefit exclusionPsychotherapyApplication and acceptance
Anonymous risk enquiryApplicationAcceptance of the applicationApplication rejectedObligation to accept and BasistarifUnsure because of a pre-existing condition?
Start the anonymous check →Lower your premium
PolicyholdersPlan optimizationPlan change under § 204Right to change planDeducting premiums from taxPremium increase
Premium increasesPremium stabilityPremiums in old ageAgeing reservesSpecial right of cancellationBenefits and contract
BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeWe are an insurance broker firm specialized in private health insurance and based in Bielefeld. If you wish, consultations take place in person at our office, or across Germany by phone, video and email.
Address, formats and team of our advice at a glance.
Free first consultation
A no-obligation review of your situation, personal and independent.
How does the consultation work? →We are an insurance broker firm specialized in private health insurance, based at Dornberger Str. 37a in Bielefeld. Consultations take place in person at our office or across Germany by phone, video and email, always by appointment.
A consultation with an insurance broker in Bielefeld does not have to take place in person. We recommend the in-person format mainly for complex situations with extensive documents. For simpler matters, a video consultation is often more practical and saves time. Clients from across Germany find the online consultation just as structured as one in person. A spontaneous visit without an appointment is not possible, we work by appointment only.
Our advice in Bielefeld is available in four formats.
In person in Bielefeld: Dornberger Str. 37a, 33615 Bielefeld. Personal appointments by arrangement, bookable directly on this page or by phone. There is parking nearby, and the office can be reached by light rail and bus.
Phone: You can reach us across Germany at +49 521 9779 8232, for first consultations, questions and follow-up appointments.
Video: The Zoom link follows automatically after you book an appointment. For clients across Germany this is often the preferred format, because there is no travel to the office and documents can be shared digitally.
Email: For written enquiries in advance and for arranging appointments.
We were founded in Bielefeld by Tim Bökemeier in 2017 and have focused exclusively on private health insurance ever since. There is no parallel business with life insurance, car insurance or household contents insurance. This focus is the core argument for our advice approach. If you work only on private health insurance, you know plan differences, health questions and the risks of rejection better than a generalist broker.
The team consists of ten specialists with different areas of focus. Civil servant plans, plan optimization under § 204 VVG, managing the health questions and client support are divided among individual advisors. So far we have looked after over 3,800 clients and submitted more than 5,000 applications with health questions to insurers. This is not a marketing promise. It is the basis for judging which insurers tend to accept applicants with which health situations.
On ProvenExpert we hold 4.96 out of five stars from 235 reviews (as of 11/2026). Tim Bökemeier is quoted as an expert on private health insurance in trade media such as AssCompact and DAS INVESTMENT.
Our address in Bielefeld is Dornberger Str. 37a, 33615 Bielefeld. The office is within the city and can be reached by car and by public transport. There is parking in the immediate area, and we will tell you the nearest stops on request.
Appointments take place during business hours from Monday to Friday. For working people, evening appointments are possible by arrangement. For urgent matters, we can be reached at the weekend on request. Spontaneous visits without an appointment are not possible. The booking calendar on this page shows the free times automatically.
Helpful are current salary or income statements, a list of existing pre-existing conditions and, if available, recent medical reports. If you are still in statutory health insurance, bring the latest contribution statement from your statutory health insurance fund. We will send you the exact list of documents before the appointment.
Yes. We advise civil servants on civil servant plans and self-employed people on comprehensive health insurance in the private system. Both groups have their own specialists in the team. Outside Bielefeld, advice for civil servants and self-employed people is possible by video appointment.
A first consultation usually takes 30 to 60 minutes, depending on how complex the situation is. For simpler matters, such as a switch after exceeding 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 →, it can be shorter. For family situations or pre-existing conditions, more time is advisable. The advice is free of charge. We receive a commission from the insurer when a plan is taken out. The premium with the insurer is identical to buying directly, because the commission is already included in the plan calculation.
Get all your questions answered, free of charge and without obligation.
Personal advice from our specialists. Response time: under 24 hours.

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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