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DAK-Gesundheit

80Score
★★★★☆4.0

Customer satisfaction · 5.5M members

Focus Money: Top-Krankenkasse(2026)

DAK-Gesundheit is Germany's third-largest statutory health insurer with 5.5 million members. Known for its strong family benefits including the MamaPLUS program and a generous bonus program of up to EUR 500/year in health subsidies.

Overall Score

80/100

Founded

1774

Headquarters

Hamburg

Type

statutory
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Key Metrics

Zusatzbeitrag

3.20%

Total Rate

17.80%

Bonus Program

yes

English Support

limited

Editorial Ratings

Focus Money: Top-Krankenkasse(2026)

Rating: Top-Krankenkasse (max: Exzellent)

80Focus

Coverage Highlights

  • ✓MamaPLUS: EUR 500 for midwife on-call and extra children's preventive exams
  • ✓Bonus program: up to EUR 500/year for fitness trackers and sports equipment
  • ✓Osteopathy, professional dental cleaning, and travel vaccinations
  • ✓Check-up 17 for insured aged 17-34
  • ✓DAK AktivBonus and AktivBonus Junior programs

Pros

  • ✓Exceptionally generous bonus program — up to EUR 500/year
  • ✓Outstanding family benefits with MamaPLUS program
  • ✓Strong preventive care offerings including early check-ups
  • ✓Nationwide coverage with broad branch network

Cons

  • ✗Zusatzbeitrag of 3.20% is above average
  • ✗Limited English-language support
  • ✗Fewer top-tier editorial awards than TK or BARMER

Frequently Asked Questions

What is DAK-Gesundheit's Zusatzbeitrag for 2026?

DAK charges a Zusatzbeitrag of 3.20% in 2026, for a total rate of 17.80%.

What is DAK's MamaPLUS program?

MamaPLUS provides up to EUR 500 for midwife on-call services, extra children's preventive exams, and a medical hotline for expectant mothers and young families.

How much can I earn through DAK's bonus program?

DAK's AktivBonus program offers up to EUR 500/year in subsidies for fitness trackers, sports equipment, and health-conscious activities.

Quick Summary

InsurerDAK-Gesundheit
Country🇩🇪 Germany
Overall Score80/100
Satisfaction4.0/5
Members5.5M
Typestatutory
Founded1774

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