pay Less contribution, better and more suitable Service With the right health insurance can be legally Insured, according to “financial test” in a number of ways to benefit. The financial experts of the Stiftung Warentest have taken 75 health insurance under the magnifying glass, and costs and benefits compared.

The development for those with statutory health insurance is on the whole gratifying: 28 insurance companies have reduced 2019, the contributions. In addition, Insured that the employer must pay since the beginning of the year when Fund-specific additional contribution, half of the benefit by law. Previously, workers had to carry this part completely on their own.

service study health insurance companies in Check: These providers have the most satisfied customers Of Daniel Bakir

The cheapest health insurance is according to the Test currently, the AOK Sachsen-Anhalt, with a contribution rate from 14.90 percent. It is, however, as well as the number two in the list – the BKK Euregio with a 14.95 percent – the only regional available. The cheapest nationwide, the open funds of the hkk (14,99%) and the BKK Firmus (15,04 percent). The largest German health insurance Fund, the technicians (TK), counts with a contribution rate of 15.30 per cent, to the cheap vendors.

table: The cheapest health insurance

health insurance company

contribution (in percent)

AOK Saxony-Anhalt*


BKK Euregio*




BKK Pfaff*


BKK Firmus


BKK Akzo Nobel Bavaria*


BKK composite plus


AOK Plus*


BKK Scheufelen*


the IKK Healthy Plus


BKK Faber-Castell*


AOK Bremen/Bremerhaven*


Audi BKK


BKK Freudenberg*






*not nationwide selectable

source: financial test

– party in comparison, These health insurance sponsored by cash-in-search GmbH

differences in performance

fits you best, However, the contribution rate should not be the decision for a Fund is the only criterion. Because the Extra services, the funds differ according to the financial test comparison significantly. Depending on the individual needs of the cheapest Fund is not, therefore, must be the best choice. Anyone who regularly takes certain extra services, can drive the bottom line with a slightly more expensive Fund better paid to these treatments.

Thus, 48 of the 75 funds to pay a grant to the annual professional teeth cleaning. Some have extra benefits for the Pregnant or additional checkups for children and adolescents in the offer. Other numbers of alternative medical services such as osteopathy, the Atlas BKK Ahlmann and the BKK Pfaff reimburse up to 390 euros per year. The AOK Bremen/Bremerhaven granted to each of the Insured has a Budget of 750 Euro for the year, from the various additional services are subsidised.

the particular bonus programs of the funds the Insured may also benefit differently. Not to the quality of the Service is to be estimated finally. Are competent staff in case of questions quickly and easily? Telephone contact, online service or a local branch is important to me?

A detailed Overview of services and benefits to the comparison

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