We help you find the right health insurance in Germany
Statutory (GKV), private (PKV), or better cover on top of what you already have. We work out what actually fits your situation, show you exactly why — and then arrange it for you.
Licensed insurance broker, § 34d Abs. 1 GewO
What we do
Work out GKV or PKV
The right answer depends on your income, family plans, your & your partner's employment situation and whether you plan to retire in Germany. We go through all of it before recommending anything.
Top up what you have
Already insured? We help you figure out whether any gaps exist and how to cover for them. Supplementary insurance can close the gaps in statutory cover without switching systems.
Arrange your cover
We work with leading health insurance providers in Germany. We handle the application end to end with the insurer.
Why Surenest is different
In Germany, brokers can earn up to 40 times more commission on private health insurance than on statutory cover. We earn more on private cover too — that is simply how the market pays. The difference is that we are telling you, and that we build the tools that let you check us.
Our premium calculator projects what private cover actually costs across your whole life. We also analysed 20 years of premium data to understand premium rises in old age and called out the profiles where PKV would be the wrong choice. The full methodology behind it is published, sources and all, so you can judge it yourself.
If statutory cover is right for you, we will say so — and arrange that instead. We would rather give you the advice we would give our own family than earn more once and be wrong for the next thirty years.
How we compare to comparison portals and traditional brokers →
How it works
Tell us about your situation
Income, family, employment, whether you plan to retire in Germany — the things that actually change the answer.
Get a recommendation, with the reasoning
Not just which option, but why — including what it costs you over a lifetime, not just next month. We read the 100+ pages of fine print so you do not have to.
We arrange the cover
Application, insurer, paperwork and your certificate. You stay with one named broker throughout, not a call centre.
Want to talk through your options?
Fifteen minutes with a licensed broker. No cost, no obligation, no sales pitch.
Book a free 15-minute call