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hkk Krankenkasse

87.5Score

★★★★☆4.0

Customer satisfaction · 1.0M members

Focus Money: Top-Krankenkasse(2026)Handelsblatt: Beste Krankenkasse — Sehr Gut(2025)

hkk is one of Germany's cheapest nationwide Krankenkassen with a Zusatzbeitrag of just 2.59%. Despite its low rate, it offers over EUR 1,000 in additional services per year and has been rated 'Sehr Gut' by Handelsblatt/DFSI.

Overall Score

87.5/100

Founded

1904

Headquarters

Bremen

Type

statutory

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Key Metrics

Zusatzbeitrag

2.59%

Total Rate

17.19%

Bonus Program

yes

English Support

Editorial Ratings

Focus Money: Top-Krankenkasse(2026)

Rating: Top-Krankenkasse (max: Exzellent)

87.5Focus

Handelsblatt: Beste Krankenkasse — Sehr Gut(2025)

Rating: Beste Krankenkasse — SEHR GUT (Very Good) (max: Exzellent)

87.5Handelsblatt

Coverage Highlights

✓EUR 1,000+ in additional services per year per insured
✓Natural medicine, vaccinations, preventive exams, health courses
✓Bonus program: up to EUR 150 cash (Sofortbonus) or EUR 280 health subsidy
✓Apps and online courses for fitness, nutrition, stress management
✓Annual savings of up to EUR 627 vs. average-rate insurer

Pros

✓One of the cheapest nationwide Krankenkassen (2.59%)
✓Over EUR 1,000/year in extra services despite low rate
✓Handelsblatt/DFSI 'Sehr Gut' rating
✓Potential employee savings of EUR 627/year vs. average rate

Cons

✗No English-language support
✗Smaller insurer with fewer branch offices than TK or BARMER
✗Less well-known brand compared to major nationwide insurers

Frequently Asked Questions

What is hkk's Zusatzbeitrag for 2026?

hkk charges just 2.59% in 2026 (total rate 17.19%), making it one of the cheapest nationwide Krankenkassen in Germany.

How much can I save with hkk compared to the average insurer?

Employees can save up to EUR 627/year compared to an insurer charging the average Zusatzbeitrag, as both employer and employee benefit from the lower rate.

Does hkk offer good benefits despite its low rate?

Yes. hkk provides over EUR 1,000/year in additional services including natural medicine, vaccinations, preventive exams, health courses, pregnancy care, and a bonus program with up to EUR 150 cash or EUR 280 health subsidy.

Is hkk available nationwide?

Yes. hkk is a bundesweit (nationwide) Krankenkasse open to all residents and workers in Germany.

Quick Summary

Insurerhkk Krankenkasse

Country🇩🇪 Germany

Overall Score87.5/100

Satisfaction4.0/5

Members1.0M

Typestatutory

Founded1904

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