About Surenest
Jay Arora — Founder and Managing Director of Surenest.
I have worked at a pension fund, where the job was helping people make choices that only pay off decades later, and at Taxfix, where I learned how people in Germany think about money and why the system feels so opaque. Health insurance in Germany is the same kind of long-horizon decision, usually made with far worse information. That is the problem I am here to fix. Find me on LinkedIn.
Every recommendation at Surenest is made by a licensed broker who is personally accountable for it — right now, that is me.
Why I built Surenest
When I moved to Berlin from Australia, I ran into Germany’s health insurance maze: statutory or private, a decision with consequences that last decades, and no clear way to choose between them.
No one asked me the questions that actually mattered: how long I planned to stay in Germany, whether I wanted children, whether I would stay an employee or start something of my own. You cannot recommend a health insurance system to someone without knowing those answers.
Yet the advice that I received kept pointing one way — private. Brokers can earn up to 40 times more commission on private health insurance than on statutory cover. That gap quietly shapes what people are told — not through dishonesty, usually, but through incentive. The numbers behind it are on Why Surenest.
So I sat the IHK broker examination, got Surenest licensed and built the thing I wished had existed — on a single principle: take commission-driven bias out of insurance advice, so people can find the cover that actually fits their situation.
How we work
Real experts make every insurance recommendation. That is the part we do not automate.
AI handles the busywork around it — reading the hundred-plus pages of fine print behind each tariff, surfacing the differences that matter, and getting you answers faster than a back-and-forth over email. It does not decide what is right for you. A person does, and you can always talk to them.
We publish the reasoning behind our tools rather than asking you to take them on trust. The premium calculator projects lifelong costs across both systems, and its full methodology and assumptions are open for you to check.
We are a licensed insurance broker
Surenest UG (haftungsbeschränkt) is a registered German insurance broker holding a permit under § 34d Abs. 1 GewO, supervised by the Industrie- und Handelskammer zu Berlin (IHK Berlin).
- Registration number: D-FL7O-E0D56-08 — verify it at the Vermittlerregister
- Commercial register: HRB 282003 B, Amtsgericht Charlottenburg
- Managing Director: Japveer Singh Arora (Jay) — IHK-certified, Sachkundeprüfung § 34d
- Registered office: Topsstraße 25, 10437 Berlin
We are not an insurer. The insurance company is always your contractual partner and risk carrier. As a broker, we act for you, not for them. Full details are in our legal notice, including the ombudsman schemes you can bring a complaint to.
Work with us
If you are deciding on your own cover, start with our free self-assessment — it takes about five minutes.
If you advise or support people moving to Germany, we would like to hear from you. See how partnering with Surenest works.