Gutsch GmbH

PKV | occupational disability insurance | old-age provision | retirement planning

Gutsch GmbH
38 Reviews i
published (95%)
out of 40 reviews
Contact information
Over 30 years of experience provide security
GUTSCH GMBH is an online insurance broker specializing in private health insurance, occupational disability insurance, long-term care insurance, old-age provision.

Contact information

Gutsch GmbH
Oppenhoffallee 143
52066 Aachen
Germany
Directions

Contact person
Roland Gutsch

Opening hours

Friday 08:30 am-08:00 pm
Review from 08/25/2022  
5.00 out of 5
Excellent
Recommendation
Quality
Value
Services
Implementation
Consulting
Top competencies

Expertise

4.93 out of 5
14 Reviews

Customer loyalty

4.93 out of 5
14 Reviews

Professional demeanor

4.86 out of 5
14 Reviews

38 Reviews on ProvenExpert.com

5.00 out of 5
Excellent
Recommendation
We had a very special case for a private health insurance. Mr. Gutsch handled all of this with special dedication, his experience, and to our complete satisfaction.
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Customer review & rating for:
Private Krankenversicherung
08/25/2022Herr D.
5.00 out of 5
Excellent
Recommendation
Customer review & rating for:
Private Krankenversicherung
07/21/2022Herr M.
5.00 out of 5
Excellent
Recommendation
The Gutsch GmbH was recommended to me by my family, which has many years of trust in Gutsch GmbH.
I was convinced by the professional competence and that all open questions could be answered. In addition, you never had the feeling to be rushed and it is taken the time you need yourself.
Furthermore, I received a counteroffer from an insurance company for an occupational disability insurance with exclusion of benefits. Through the good contacts of Gutsch GmbH, a new offer was made to me within a few days without benefit exclusion.
All in all very satisfied.
Tim H.
Show original
Customer review & rating for:
Berufsunfähigkeits-Versicherung
02/27/2022Tim H.
5.00 out of 5
Excellent
Recommendation
Before talking to Mr. Gutsch, I never really realized how important disability insurance was. As a student just before graduating from high school, I wasn't particularly concerned with insurance. However, Mr. Gutsch was able to inform me very well during our conversations and took the time to answer my (many) questions.
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Customer review & rating for:
Berufsunfähigkeits-Versicherung
01/13/2022Anonymously
Gutsch GmbH Comment from Gutsch GmbH:
Thank you very much for your great review.

The insurance topic is rather "uncool" for many students - boring. Many parents and students think that a BU insurance can wait until the entry into working life, until own money is earned. Fortunately, your father (who is also our client) established the contact between us.

There are several reasons for taking out cover as a pupil:

- there are "starter policies" that start with a low premium (but full protection) for several years and where the full premium is only paid later - when the student earns his own money.

- Students are calculated in a favorable "occupational" group and keep their low premiums, even if a higher-risk occupation (= no desk job) is chosen later. If, for example, you are a carpenter and don't sign up until then, it will be expensive!

- Calculated over a lifetime, the sum of the premiums is lower than if you take out the insurance later.

- the younger and healthier you are, the better. I have often received inquiries from graduates who have taken advantage of relaxation training or psychological counseling during stressful exam periods. This is then often assessed as psychotherapy and you don't get a contract (at least for a few years).

And last but not least:
If you calculate what income a young academic will earn in his or her lifetime, you will get dizzy: With an entry-level salary of €4,000 and an increase of 1.5% per year, there is almost €2.7 million at stake (in words, two million seven hundred thousand EURO).
5.00 out of 5
Excellent
Recommendation
Mr. Gutsch has a level-headed, calm and competent manner, which makes you feel well taken care of in every situation in life, even when things are getting stressful again. He leaves no questions unanswered and takes the time to advise objectively and comprehensively, sparing no hurdles.
In my case Mr. Gutsch had found out wrong data of the patient file and the health insurance association, which did not make a conclusion of the necessary BU possible for me.
After innumerable letters to the physicians and finally even to the national medical association on the part of Mr. Gutsch the data were revised now and I could lock still before the lining up price increase a economical BU contract.
The nice thing about this consultation is that it is informal and objective. Before existing contracts are really canceled, it is carefully checked whether a change really brings an improvement, otherwise they are of course left. The comprehensive advice is free of charge for me, because he receives the commission from the insurance company in a mediation.

If one is advised by an insurance agent, this is always interested in the end to mediate his insurance.
Turn to a free insurance broker like Mr. Gutsch, then you get all the information (from many years of experience) you need to choose the right product for you.

Insurance is a matter of trust!
Show original
Customer review & rating for:
Berufsunfähigkeits-Versicherung
01/11/2022Herr W.
Gutsch GmbH Comment from Gutsch GmbH:
Dear Mr. W.,
thank you very much for your detailed evaluation!

Your "case" was a model classic, which unfortunately occurs several times a month in our consultations.

We always strongly advise to answer health questions about PKV, BU, care etc. NOT only from memory. NOT to answer only from memory. Some things are simply not remembered and in addition (as in your case) the treating physician has not infrequently documented something in his patient file that did not take place. This is then also transmitted to the health insurance and the Association of Statutory Health Insurance Physicians and we have the salad!

If the insurer should ask in a benefit case whether the information was correct and complete, he will receive the contents of the files of doctors and health insurance (contents that the client does not know, if they were not requested BEFORE conclusion). Then disputes arise, in the worst case up to the contestation of the contract (and the insurer is right!).

Therefore: absolutely obtain the information from the files for all questions - and for heaven's sake DO NOT listen to intermediaries who do not advise absolute accuracy in the health information - such as "You don't need to state that - everyone has at some time!".
5.00 out of 5
Excellent
Recommendation
I can highly recommend Gutsch GmbH. Roland Gutsch is an extremely competent insurance broker and the excellent advice testifies to many years of experience. By the way, it is extremely pleasant that Mr. Gutsch is also very personable and not a typical "insurance agent".
Especially remarkable in my conversations was how much time and passion he took care of my concerns - it was never about the quick conclusion, but always about the. best solution. I have already recommended Gutsch GmbH several times in my private environment.
Show original
Customer review & rating for:
Berufsunfähigkeits-Versicherung
12/20/2021H. M.
Gutsch GmbH Comment from Gutsch GmbH:
Dear Mr. M.,

thank you very much for your nice review.

Well - in regular surveys on trustworthiness, the profession of insurance intermediaries (without distinguishing between agents and brokers, by the way) is regularly found at the bottom of the list.

That's why I'm pleased when you mention that our conversations were pleasant and humanly very sympathetic (by the way, I can return the praise 100%) - that's a matter of course for me and a small contribution to saving the honor of the profession of the "honest broker". The professional qualification can be in the extreme super-teachy-annoying and is just for a good communication not only decisive.

The "gut feeling" must also be right (for both sides). So everything fit together nicely here!
5.00 out of 5
Excellent
Recommendation
Gutsch GmbH gave me excellent advice on taking out occupational disability insurance. My personal situation was addressed in detail and the preliminary risk inquiries were made with the insurers whose tariff structures best suited my needs. My case was very special and complex due to a relatively high coverage requirement and ongoing treatment, and yet I was always informed with patience and the greatest attention to detail. I can unreservedly recommend Gutsch GmbH and can only emphatically point out that one must be able to rely on the broker when taking out a biometric insurance policy, which is extremely complicated and involves a lot of risk. I am of the opinion that this is definitely given here.
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Customer review & rating for:
Berufsunfähigkeits-Versicherung
08/10/2021Dr. S.
Gutsch GmbH Comment from Gutsch GmbH:
Dear Dr. S.,

thank you very much for your detailed evaluation.

We have overcome a number of hurdles in the consulting process (difficult tasks always spur me on personally) and I am very pleased that we have found an optimal solution.
5.00 out of 5
Excellent
Recommendation
Insurance is a matter of trust! Especially when it comes to the protection of his loved ones and his own provision, a good comprehensive planning and advice is essential. Also the retirement provision would like to be considered here with to be able to enjoy his earned retirement without financial dependence or worries.
If one experiences however then, which one invested for years exclusively into the insurer, most important cost overviews were glossed over and a perseverance strategy of at least 12 years were recommended only so that the advisor does not endanger its commission, then suddenly a complete skepticism develops against all insurance and one would like to quit everything and put again its money into the pillow.
If one however then exactly explains why the insurers cannot act differently and these always first into their Finanzstock invest and unfortunately only a completely small surplus to the customer in the best case lead off
(concerns all prominent insurers),
then one converses probably straight with a very good friend or a free insurance mediator its whole initiative and its commitment into the customer invests.
This one is then almost always attainable,
takes time straight if it goes times again more turbulently, gives valuable Tipps, takes over notices, catches up the necessary information with a power of attorney from the insurer to physician, remains at the ball and develops depending upon life situation and the own desired goals a strategy not only convinces, but also the costs which can be expected to uncover and thus the transparency so important again creates!
Recommended by a good friend to recommend it now honestly to you!
Welcome to the Gutsch GmbH!
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Customer review & rating for:
Altersvorsorge Honorarberatung
06/11/2021Herr W.
Gutsch GmbH Comment from Gutsch GmbH:
Dear Mr. W.,

thank you very much for your evaluation.

When a satisfied client (in your case your good acquaintance B.) makes a recommendation and you are just as satisfied at the end of the consulting process, this is the nicest compliment!
5.00 out of 5
Excellent
Recommendation
Mr. Gutsch gave me reliable and timely feedback. He was also able to get the best out of me vis-à-vis insurers. I feel well taken care of and independently advised here. Clear recommendation.
Show original
Customer review & rating for:
Berufsunfähigkeits-Versicherung
04/06/2021Anonymously
Gutsch GmbH Comment from Gutsch GmbH:
Thank you very much for your review and recommendation
5.00 out of 5
Excellent
Recommendation
The consulting and expertise is on a very high level. Gutsch GmbH comprehensively covers all relevant areas of life and pension provision. Highly recommended at any time.
Show original
Customer review & rating for:
Private Krankenversicherung
04/02/2021Henrik H.
Gutsch GmbH Comment from Gutsch GmbH:
Hello Mr. H.,

thank you very much for your nice review.

We have found a feasible way to increase your daily sickness benefits. I am glad!
5.00 out of 5
Excellent
Recommendation
In my eyes, Mr. Gutsch is a very competent and committed insurance broker who intensively addresses the needs of his clients and takes a lot of time to really illuminate every detail. I feel I am in good hands with him and can only recommend him without reservation. Especially in the area of private health insurance and occupational disability insurance, a competent broker is absolutely essential.
Show original
Customer review & rating for:
Private Krankenversicherung
03/23/2021Anonymously
5.00 out of 5
Excellent
Recommendation
I got to know Mr. Gutsch as a very competent and reliable broker. The advice on the topics of occupational disability insurance and private health insurance was excellent and Mr. Gutsch advised me very professionally and comprehensively. He takes a lot of time to answer all questions and concerns and explains contexts and relevant information very objectively and in detail. I am happy to recommend the consultation with Mr. Gutsch to others and will remain a customer myself.
Show original
Customer review & rating for:
Berufsunfähigkeits-Versicherung
08/25/2020Frau F.
Gutsch GmbH Comment from Gutsch GmbH:
Dear Mrs. F.,

thank you very much for your TOP rating.

I am especially pleased that you also recommended your husband to get advice from us!
5.00 out of 5
Excellent
Recommendation
Very good advice, an open and friendly discussion atmosphere. Gladly again.
Show original
Customer review & rating for:
Altersvorsorge Honorarberatung
05/25/2020Herr Z.
Gutsch GmbH Comment from Gutsch GmbH:
Hello Mr. Z.,

thank you for your TOP rating.

In your case it was clear very quickly:
the existing fund policy is outrageously expensive (since 2004, only 50% of the premiums paid in were actually invested - the rest were acquisition and administration costs, as well as expensive death cover). We "fixed" that with a low-cost fee-based tariff and low-cost ETFs.
5.00 out of 5
Excellent
Recommendation
I have been working with Gutsch GmbH for many years now in various insurance sectors and have always felt comprehensively advised. The service in case of questions has always been absolutely exemplary, even after conclusion of the contract.
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Customer review & rating for:
Altersvorsorge Honorarberatung
05/17/2020Herr R.
5.00 out of 5
Excellent
Recommendation
Very comprehensive, competent, individual and fair advice.
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Customer review & rating for:
Altersvorsorge Honorarberatung
02/28/2019Herr O.
4.60 out of 5
Excellent
Recommendation
I am very satisfied and happy with the help and cooperation of Mr. Gutsch and Gutsch GmbH.
Show original
Customer review & rating for:
Private Krankenversicherung
11/21/2018Anonymously
5.00 out of 5
Excellent
Recommendation
Mr. Gutsch guided me safely and competently through the insurance jungle. Many questions were answered. He showed a lot of patience and provided me with all kinds of information and overviews. The conversations were very pleasant and informative. He was very flexible in scheduling appointments. I would definitely recommend him.
Show original
Customer review & rating for:
Berufsunfähigkeits-Versicherung
10/26/2017Frau Z.
4.89 out of 5
Excellent
Recommendation
Conscientious and professional broker of private health insurance. So far I am satisfied with my tariff - but no one can predict the exact cost increases. After 3-4 long phone calls we found a tariff that covers normal treatments, "everything that happens rarely, but really costs", but no frills.
Show original
Customer review & rating for:
Private Krankenversicherung
10/01/2016Anonymously
5.00 out of 5
Excellent
Recommendation
Mr. Gutsch always tries to get the maximum for his customers.
In all the years that I have been a customer, I have always been fully informed about interesting changes.
An insurance broker who is there for you even after you have taken out an insurance policy.
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Customer review & rating for:
Private Krankenversicherung
09/27/2016Frau M.
4.19 out of 5
Good
Recommendation
So far, I have been given extensive and competent advice on health insurance and disability pensions, which has made my decision on the right provider much easier - so I would recommend anyone to take advantage of this expert advice.
Show original
Customer review & rating for:
Private Krankenversicherung
09/27/2016Herr B.
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* All reviews and experiences about Gutsch GmbH are the subjective opinions of those who compose and submit them  |  The profile owner is responsible for the contents of this page  |   Profile active since 08/31/2016  |  Last update: 08/25/2022   |  Report profile

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