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Best Low Contribution GKVBudget Pick DE

hkk Krankenkasse

by hkk

★★★★☆4.5(4,321 reviews)

hkk is a Bremen-based statutory health insurer consistently offering one of Germany's lowest additional contribution rates with solid digital services.

Monthly Premium

€175 - €440

Deductible

€0

Coverage Type

comprehensive

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Coverage Details

✓Hospitalization

✓Outpatient Care

✓Dental

✓Vision

✓Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Very low additional contribution rate
✓Good digital tools
✓Fast online services
✓Strong preventive programs

Cons

✗Smaller national brand
✗Regional Bremen roots
✗Less recognized outside North Germany

Editorial Review

“hkk delivers exceptional value with Germany's most competitive contribution rates backed by solid digital services.”

— Krankenkasseninfo.de Beitragstest 2025

Key Highlights

✓One of Germany's lowest additional contributions
✓Good digital services
✓Fast claims processing

Quick Summary

Providerhkk

CountryGermany

Rating4.5/5

Reviews4,321

Typecomprehensive

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