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HEK — Hanseatische Krankenkasse

92.8Score

★★★★☆4.3

Customer satisfaction · 600K members

Focus Money: Top Nationwide Performer(2026)DFSI: Best Nationwide Insurer 2025/26(2026)Handelsblatt: #1 Service & Extra Benefits(2025)

HEK is a smaller nationwide insurer rated #1 alongside TK by DFSI for 2025/26. With a below-average Zusatzbeitrag of 2.89% and top marks for service and extra benefits from Handelsblatt, HEK punches well above its weight.

Overall Score

92.8/100

Founded

1826

Headquarters

Hamburg

Type

statutory

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Key Metrics

Zusatzbeitrag

2.89%

Total Rate

17.49%

Bonus Program

yes

English Support

Editorial Ratings

Focus Money: Top Nationwide Performer(2026)

Rating: Top performer among nationwide Krankenkassen (max: Exzellent)

92.5Focus

DFSI: Best Nationwide Insurer 2025/26(2026)

Rating: Best nationwide insurer 2025/26 (together with TK) (max: Exzellent)

93DFSI

Handelsblatt: #1 Service & Extra Benefits(2025)

Rating: #1 among nationwide Krankenkassen for service/extra benefits (max: #1)

93Handelsblatt

Coverage Highlights

✓Below-average contribution rate (national average by member size: 3.13%)
✓Strong extra benefits offering — rated #1 by Handelsblatt
✓Best nationwide insurer 2025/26 per DFSI (tied with TK)
✓Comprehensive bonus and preventive care programs

Pros

✓Rated #1 nationwide insurer by DFSI alongside TK
✓#1 for service and extra benefits per Handelsblatt/DFSI
✓Below-average Zusatzbeitrag at 2.89%
✓Outstanding value-for-money ratio

Cons

✗Smaller membership base (600K) — less brand recognition
✗No English-language support
✗Fewer branch offices than large AOK or TK

Frequently Asked Questions

What is HEK's Zusatzbeitrag for 2026?

HEK charges 2.89% in 2026 (total rate 17.49%), which is below the national average of 2.9% (by member-weighted average of 3.13%).

Why is HEK rated so highly despite being smaller?

HEK earned #1 placement alongside TK in DFSI's 2025/26 ratings and ranked #1 for service and extra benefits per Handelsblatt — demonstrating that quality is not dependent on size.

Is HEK available nationwide?

Yes. HEK is a bundesweit (nationwide) Krankenkasse open to anyone in Germany.

How does HEK compare to TK?

Both are rated #1 by DFSI. TK has a lower Zusatzbeitrag (2.69% vs 2.89%) and English support, while HEK is rated #1 for service and extra benefits. HEK is an excellent alternative for German-speaking members who prioritize extra benefits.

Quick Summary

InsurerHEK — Hanseatische Krankenkasse

Country🇩🇪 Germany

Overall Score92.8/100

Satisfaction4.3/5

Members600K

Typestatutory

Founded1826

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