How do you want to discuss your health insurance options?How do you want to discuss your health insurance options?

Yes, our service is free to use and will cost you nothing. Just like any broker, we get paid by the insurer once you sign up through us. This commission is paid by the provider to the advisor directly and never changes your premium — the price is the same whether you go through us or directly to the insurer. We are independent from the providers and committed to finding not only the best price but the coverage that suits you best, so using our service is a win-win.

We pride ourselves in being different from the average insurance broker. Navigating the German health system as an expat is confusing — public versus private, eligibility rules, and fine print that's rarely explained in plain English. We set out to change that. At Hypofriend we ask you a number of questions about your situation, income, and plans in Germany, and use that to recommend the option that genuinely fits you rather than the one that pays us most. Our advisors are full-time employees, fluent in English, and we reward performance based on excellent customer experiences. We work with passion & care to help you make one of the most important decisions of your life in Germany.

Besides comparing leading public and private health insurers in Germany, we look at your full picture — your income, residency status, family situation, and how long you plan to stay. Whilst our advice is truly objective, we then scan our partners to find the right coverage at the best price for your case. Depending on your situation, signing up may require some additional documents, which you can handle online in your Hypofriend account.