Raphael Gruber

Head of the office

Raphael Gruber
CUSTOMERS' CHOICE 2025
4.91 out of 5
Excellent
230 Reviews
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Bachelor of Insurance Management (B.A.)
CERTIFIED FINANCIAL PLANNER®
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Contact information

Raphael Gruber
Barmenia Geschäftsstelle
Durlacher Allee 75
76131 Karlsruhe
Germany
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100% Recommended
5 stars 198
3 stars 0
2 stars 0
1 star 0
Expertise
Needs assessment
Organization
Customer approach
Top competencies

Knowledge

4.94 out of 5
36 Reviews

Advice

4.97 out of 5
34 Reviews

Situation analysis

4.97 out of 5
34 Reviews

207 Reviews on ProvenExpert.com

4.92 out of 5
Excellent
4.75 out of 5
Excellent
Recommendation
Very friendly and fast contact. Always open to all questions and provides quick clarification.
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
12/18/2025Angelika Egi
Raphael Gruber Comment from Raphael Gruber:
Hello Mrs. Egi,

Thank you very much for the friendly feedback - this is exactly how good advice should be: open, solution-oriented and uncomplicated.

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Excellent and very detailed advice on private health insurance for civil servants. Highly recommended!
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
12/14/2025Anonymously
Raphael Gruber Comment from Raphael Gruber:
Thank you very much for your recommendation - I am pleased that you experienced my advice on private health insurance in this way.

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Mr. Gruber has great professional expertise and was able to solve my problem to my complete satisfaction
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
10/06/2025Andreas
Raphael Gruber Comment from Raphael Gruber:
Hello,

Thank you very much for your positive feedback. I'm delighted that you experienced professionalism and solution orientation in this way - that's exactly what it's all about.

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
I am really very satisfied with the advice I received from Mr. Gruber. He had a competent and understandable answer to every one of my questions - and not just in his actual area of responsibility. I was particularly pleased that he also took the time to explain topics that went beyond the usual. This is not a matter of course and shows how much he cares about providing honest and comprehensive advice.

What I also noticed is that he comes across as authentic and down-to-earth. You immediately get the feeling that you can come to him with any concern - big or small. This openness and approachability create trust, and that's exactly what makes a really good consultation. Many thanks for the good service!
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
09/25/2025Svenja Baier
Raphael Gruber Comment from Raphael Gruber:
Hello Mrs. Baier,

Thank you very much for your detailed and personal feedback. I am very pleased when, in addition to the quality of the content, the attitude and approach are also noticed. Honest, tangible advice at eye level is not just a promise, it's my constant aspiration - it's nice when that's exactly how it's received.

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
An extremely competent and helpful insurance advisor who is always available. Absolutely recommendable!
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
09/23/2025Tiziana
Raphael Gruber Comment from Raphael Gruber:
Hello,

Thank you very much for your great feedback - I am very pleased when competence and reliability are perceived in this way.

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Very courteous advice. Highly recommended
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
09/10/2025Anonymously
Raphael Gruber Comment from Raphael Gruber:
Thank you very much for the positive feedback - I'm delighted!

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
We felt well looked after and informed by Mr. Gruber at all times during our consultation on private health insurance. Mr. Gruber is always reliable and available, even outside normal business hours. Thank you very much.
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
09/03/2025Tanja B.
Raphael Gruber Comment from Raphael Gruber:
Hello Mrs. B.,

Thank you very much for your appreciative feedback. I'm very pleased that you found the advice on private health insurance to be well looked after and transparent - that's exactly what matters. Thank you also for your trust!

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Mr. Gruber is very friendly and responds quickly. I feel well advised.
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
08/27/2025Filiz Sirmali
Raphael Gruber Comment from Raphael Gruber:
Hello Mrs. Sirmali,

Thank you very much for the positive feedback - I am very pleased when my advice is experienced as helpful and pleasant.

Best regards
Raphael Gruber
4.94 out of 5
Excellent
Recommendation
I had a very lengthy consultation on private health insurance in terms of civil servant status. This was delivered perfectly in the fine line between personal and professional. All questions were answered in detail and well explained, the consultation was pleasant and personable and it is clear that Raphael Gruber has a lot of experience.
A positive recommendation.
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
07/26/2025Paul Schneider
Raphael Gruber Comment from Raphael Gruber:
Hello Paul,

Thank you very much for your detailed feedback and the trust you have placed in us. Sound and individual advice is crucial, especially when it comes to private health insurance. All the better if the mixture of professionalism and personal support was perceived in exactly the same way. I am very pleased with the recommendation.

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Very competent and friendly
Show original
Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
07/23/2025Anonymously
Raphael Gruber Comment from Raphael Gruber:
Thank you very much for your feedback - I'm delighted!

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Mr. Gruber explains my insurance policies to me quickly and competently and answers questions in a way that is easy to understand. In addition, I always have the feeling that he makes decisions in the interests of the customer and therefore thinks long-term instead of concluding short-term contracts.
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
07/07/2025Anonymously
Raphael Gruber Comment from Raphael Gruber:
Thank you for your feedback - and for taking the time to write this honest review. It is important to me to explain insurance policies in a way that makes them understandable. I am even more pleased that you feel what is important to me: sustainable solutions that really suit you - and not a quick deal. I'm glad that you see it that way.

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
I had a request today and sent it to Mr. Gruber by email despite the public holiday so that he would have it by tomorrow morning. Despite the public holiday, he replied immediately and clarified the matter. That was very relieving for me.

I have had Mr. Gruber as my contact at Barmenia for years and he is a very reliable, committed and competent employee.
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
06/19/2025Sybille Holzwarth
Raphael Gruber Comment from Raphael Gruber:
Hello Mrs. Holzwarth,

Thank you very much for your feedback and your kind words. I'm very pleased that I was able to help you at short notice, even on a public holiday - sometimes issues simply can't be delayed, and then I'm happy to be there for you. I really appreciate the trust you have placed in me over the years. It is precisely this long-term, reliable cooperation that makes my work special. Thank you very much for that!

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Mr. Gruber takes a lot of time for his customers and offers above-average, detailed and serious advice. Especially since the choice of a suitable private health insurance is a long-term decision that affects your own health, the time invested in advance is time well spent. I really appreciated the comprehensive advice I received from Mr. Gruber and can therefore highly recommend him.
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
06/14/2025Ben
Raphael Gruber Comment from Raphael Gruber:
Hello Ben,

Thank you very much for the appreciative and positive review! I am very pleased that you found my detailed advice on private health insurance helpful. Individual and serious advice is particularly important for long-term decisions like this. Thank you very much for the trust - and the recommendation!

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
We were looking for home insurance. Mr. Gruber works efficiently and always answered our questions quickly and competently. We particularly liked the fact that he clearly and concisely explained the differences between the Barmenia offer and a competitor's offer.
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
05/10/2025Gerd Schäfer
Raphael Gruber Comment from Raphael Gruber:
Hello Mr. Schäfer,

Thank you very much for your positive review. I am pleased to read that you are satisfied with the speed and competence of my advice. This motivates me to continue to give my best.

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Quick appointment, competent and above all honest advice.
I can only recommend 👍
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
04/10/2025Max W.
Raphael Gruber Comment from Raphael Gruber:
Thank you very much for your positive feedback, Max W.! We are pleased to hear that you were satisfied with the speed of the appointment and the competent and honest advice. We very much appreciate your recommendation. We will be happy to assist you at any time.

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
I got to know Raphael Gruber 20 years ago and was very satisfied then as I am now. He is very authentic, relaxed, honest and humorous. I would definitely recommend him to others!
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
04/02/2025Diana Frilling
Raphael Gruber Comment from Raphael Gruber:
Hello Diana,

Thank you very much for your positive review and your kind words. They motivate me to continue to give my best in terms of advice and service! Here's to the next 20 years 😊

Best regards
Raphael Gruber
4.67 out of 5
Excellent
Recommendation
Because he actually called back as promised and took care of who was responsible for me.
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
03/18/2025Anonymously
Raphael Gruber Comment from Raphael Gruber:
Thank you for your feedback. We are pleased to hear that you are satisfied with our service. We take our service promise very seriously - we guarantee a callback on the same day!

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Very friendly contact and absolutely competent advice! Always very happy to return!
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
03/06/2025Heidi Bichler
Raphael Gruber Comment from Raphael Gruber:
Hello Mrs. Bichler,

Thank you very much for your positive review! We very much appreciate your recommendation. We look forward to welcoming you again in the future!

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Mr. Gruber immediately got involved in my case and resolved it positively. Highly recommended contact person!
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Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
02/26/2025Anonymously
Raphael Gruber Comment from Raphael Gruber:
Thank you for your review and your recommendation! I am pleased that your request could be resolved positively.

Best regards
Raphael Gruber
5.00 out of 5
Excellent
Recommendation
Mr. Gruber responds very quickly to inquiries. By email by callback, no matter how. Very, very reliable. Questions are answered competently.
Highly recommended!

Thank you Mr. Gruber
Show original
Customer review & rating for:
Raphael Gruber | Barmenia Versicherungen
02/20/2025Dominik Fedunik
Raphael Gruber Comment from Raphael Gruber:
Hello Mr. Fedunik,

Thank you very much for your great feedback! I am very pleased that you are satisfied with my service. Always happy to do it again!

Best regards
Raphael Gruber
23 Reviews from
2 other sources
4.83 out of 5
Excellent
5.00 out of 5
Excellent
18 reviews on Google Maps
 
06/26/2025
4.20 out of 5
Good
5 reviews on Facebook
 
07/02/2025

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All reviews and experiences about Raphael Gruber 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 04/10/2018  |  Last update: 11/07/2025   |  Report profile

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