At Bramex we guide you in a clear, personal way so you know exactly which insurance you need for your situation. Free advice, in your language, with no complications.
Health insurance is mandatory in Germany from day one, but which one applies to you depends on your case. Find yours here and we'll tell you exactly what you need.
You're job hunting, learning German or have a Minijob. You need coverage from day one at an affordable price: temporary health insurance is your starting point.
Temporary health insuranceWith an employment contract you join public health insurance (GKV) and must choose a Krankenkasse. We explain the real differences between them and register you ourselves.
Public health insurance (GKV)As a Selbstständiger you choose between public and private insurance, and that decision affects your premium for years. We help you calculate it properly and cover your professional activity too.
Insurance for freelancersIf you earn above the salary threshold or are self-employed, you can access private health insurance (PKV): faster appointments and better benefits. We analyse whether it pays off for you.
Private health insurance (PKV)There are policies almost every resident ends up needing: personal liability insurance (essential here), life insurance and home insurance.
Personal liability insuranceYou're insured but paying too much or not convinced. We review your policy, compare alternatives and manage the switch without any gap in your coverage.
Switch KrankenkasseWe are an official insurance brokerage specialised in insurance in Germany. We focus on helping internationals and expats who need clear advice from the very beginning.
We don't issue our own policies: we are the intermediary between the insurance companies and you.
We analyse your personal situation and help you find the best option among the leading German insurers, without language barriers and without complications.
We take care of everything: we compare, we handle the paperwork and we keep German bureaucracy out of your way.
Tell us your situation or use the insurance finder
We compare insurers and propose the best option for your profile
You complete the application with our help, in your language
We process the policy on your behalf and stay with you afterwards
Answer a few questions about your situation in Germany and we'll point you to the option that fits. Two minutes, no sign-up, no obligation.
A quick, clear way to get oriented before you sign anything.
We are a registered insurance brokerage in Germany. We don't issue our own policies: we are independent intermediaries and work with 95% of German insurers.
Our advice is free. You pay exactly the insurer's official rate: our remuneration comes from the company, not from your pocket.
Contracts, conditions and German bureaucracy explained in plain language. You'll know what you're signing and why, before you sign.
Invoices, address changes, renewals, cancellations: we manage your policy's issues for as long as you're a client. We don't disappear after the signature.
When you write to Bramex, you're not answered by a form or a call centre: you're answered by an adviser with a name who knows your case from start to finish.
Ronald and the team have spent years supporting expats in Germany, and they know where the real doubts are: what each tariff covers, which fine print matters and what fits your situation — health, home, life or a savings plan.
Our goal is that you make every decision understanding what you're signing, and that after the signature you still have the same person on the other side.
Real client reviews on Google (translated from Spanish)
Excellent service. Super fast, super friendly, and they genuinely care about your situation. More than grateful.
A family member needed health insurance in Germany. Bramex kindly helped me and advised me on how to obtain the required document. I appreciate and recommend Bramex's services.
Professional, attentive and human. They're advising me perfectly on every detail of choosing health insurance and giving me the tools to make the right decision. A 100% recommendable service.
The only insurance required by law for all residents is health insurance, from your first day of residence. Personal liability insurance (Haftpflichtversicherung) is not mandatory, but it's so widespread that many landlords take it for granted, and it costs very little. The rest depends on your personal and family situation.
It depends on your work situation. If you're an employee, you normally join public health insurance (GKV). If you earn above the annual salary threshold, are self-employed or a civil servant, you can opt for private insurance (PKV). And if you've just arrived and don't work yet, temporary insurance covers you while your situation takes shape. We analyse your case for free and tell you which one applies.
Nothing. You'll pay exactly the insurer's official rate, the same as if you went directly to the company. Our remuneration comes from the insurers, which also allows us to compare them independently.
Yes. The whole process is in your language: the initial consultation, the tariff comparison, the application and everything afterwards (invoices, address changes, renewals or cancellations). We also explain in plain language the documents insurers send you in German.
We work with 95% of German insurance companies, including TK, Allianz, AOK, HanseMerkur, Universa, Nürnberger and Hallesche. As an independent brokerage we don't issue our own policies: we compare the market and recommend the option with the best value for your profile.
Tell us about your situation and we will help you find the most suitable solution for you in Germany in a clear and professional way.
