An insurance brokerage in Germany: people helping people
We help immigrants and expats who move to or live in Germany understand and take out the insurance they need — in their own language and without unnecessary bureaucracy.
Ronald Seifart
Registered insurance broker (Versicherungsmakler)
Owner of Bramex e.K.
2016
Year founded
95 %
of German insurers
5
languages of advice
100 %
free for you
A brokerage built for those who arrived in Germany
My name is Ronald Seifart. I am a registered insurance broker (Versicherungsmakler) and the owner of Bramex e.K., a brokerage specialised in insurance in Germany.
I know first-hand the needs and difficulties faced by people arriving in a new country. The first years of settling in can be full of stress, caused by not knowing the laws or the bureaucratic requirements.
Add to that learning a new language, adapting to social and cultural customs, looking for a job or setting up a home in a new place — and it can become a heavy burden.
Out of that idea, and out of the wish to contribute somehow to the foreign community arriving in Germany, Bramex was founded in June 2016.
Our work focuses on insurance advice — health, personal liability, retirement plans and savings plans — for immigrants and expats moving to or living in Germany.
We are a brokerage affiliated with the most important insurers in Germany. We search for the insurance that suits you best and advise you so that you find the right solution.
Growing to be closer to you
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2016
Bramex is founded
We launch with the aim of offering insurance advice in Spanish and English. The initial range focused on health and car insurance.
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2018
A new language: Russian
Russian is added to our advisory service, extending our reach to more immigrant communities in Germany.
-
2019
Official health insurance partner
Bramex becomes an official partner of numerous health insurers, with the ability to submit applications directly.
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2020
New languages: Italian and Romanian
Two more languages join our advisory service, strengthening support for the Latin American and Romanian communities in Germany.
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2021
Affiliated partner of 95 % of insurers
Bramex expands its cooperation and becomes an affiliated partner of around 95 % of the insurance companies operating in Germany, securing the best offers for our clients.
What we commit to
We take pride in offering a personal service where language is never a barrier. We value the trust you place in us, and it is what allows us to keep improving.
Free, personalised advice
Our service does not increase the final price of your insurance. You pay exactly what the insurer charges — 100 % guaranteed.
We speak your language
With us you won't have to worry about the bureaucracy or the small print. Insurers may start in your language, but as soon as the process moves on, everything switches to German. We stay with you throughout.
Complete convenience
You won't have to travel to the insurance company. We handle every step for you and help you with the paperwork in your language, wherever you are.
The best offers for you
We always look for the offers and benefits that suit you best, so you can save money and make the most of what insurers have to offer.
A tailored service
Every person's situation is different. We don't give generic answers: we look at your specific case and offer the solution that fits what you need.
Independence and transparency
We are affiliated partners of 95 % of the insurers operating in Germany. That gives us real freedom to compare and recommend what genuinely suits you, with no ties to any single company.
You don't have to take our word for it
In Germany, anyone can call themselves an "insurance adviser". Very few are registered and supervised. We are — and here are the details so you can check for yourself before trusting us with anything.
Official register of insurance brokers
D-G0AI-5YSRQ-93
Bramex e.K. is registered as a Versicherungsmakler with a licence under § 34d Abs. 1 GewO. You can look that number up on vermittlerregister.info, the German public register.
Who supervises us
The Stuttgart Chamber of Commerce and Industry grants the licence and enforces compliance. Jägerstraße 30, 70174 Stuttgart.
A real company, in the commercial register
Bramex e.K. · HRA 732151
Amtsgericht Stuttgart. With a physical office at Königstraße 10 C, in central Stuttgart. We're not just a website — you can come and see us.
If we get it wrong, you're covered
R+V Allgemeine Versicherung AG
We hold mandatory professional indemnity insurance, valid throughout Germany. If our advice causes you harm, we answer for it.
From first question to signed policy, step by step
German bureaucracy can be complicated — even more so in another language. We simplify the process and help you in your own language.
You get in touch
Write to us by email or WhatsApp, or fill in the contact form. Tell us briefly about your situation and what you need. No commitment, no cost.
We find the insurance that suits you
We look at your specific situation and compare the insurers we work with to find the best solution. We don't give generic answers.
We explain your options
We lay out the alternatives clearly, in your language and without small print — so you know exactly what you're taking out, what it covers and what it doesn't, before you decide.
We handle everything for you
We take care of the whole process with the insurer. All you have to do is sign the documents we send you. No trips, no paperwork in German.
We stay by your side
We don't disappear once your policy is signed. We remain your point of contact for anything that comes up later: renewals, changes of details, questions or claims. Always in your language.
What people who've been through this say
4.9
★★★★★
Average rating from our clients on Google
★★★★★
"Excellent service. Super fast, super friendly, and they genuinely care about your situation. More than grateful."
Ailin Chionda
★★★★★
"A relative of mine needed health insurance in Germany. Bramex helped me kindly and advised me on how to proceed. I appreciate and recommend their services."
Javier Díaz
★★★★★
"Professional, attentive and human. They are advising me perfectly on every detail of choosing a health insurance. A service I'd 100 % recommend."
Luis de la Hoz
Reviews originally written in Spanish and translated.
Not sure about your insurance in Germany?
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