surenest

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 arrange it for you. 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, so you can judge it yourself.

If statutory cover is right for you, we will say so. 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.