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IKK classic

68Score

★★★☆☆3.5

Customer satisfaction · 2.9M members

Germany's Largest Guild-Based Insurer(2026)

IKK classic is Germany's largest guild-based health insurer (Innungskrankenkasse) with 2.9 million members. Originally serving trade and craft guilds, it is now open to all and provides the standard statutory benefit package.

Overall Score

68/100

Founded

2010

Headquarters

Dresden

Type

statutory

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Key Metrics

Zusatzbeitrag

3.40%

Total Rate

18.00%

Bonus Program

yes

English Support

Editorial Ratings

Germany's Largest Guild-Based Insurer(2026)

Rating: Guild-based insurer — standard rating (max: Exzellent)

68DFSI

Coverage Highlights

✓Originally for trade/craft guilds, now open to all
✓Standard statutory benefit package
✓Bonus programs for preventive activities
✓Nationwide availability in practice

Pros

✓Open to all — not just guild members
✓Large membership base provides stability
✓Effectively nationwide availability

Cons

✗Zusatzbeitrag of 3.40% is significantly above average
✗No English-language support
✗Standard benefits without notable standout extras

Frequently Asked Questions

Do I need to be in a trade guild to join IKK classic?

No. While IKK classic originated as a guild-based insurer (Innungskrankenkasse), it is now open to anyone living or working in Germany.

What is IKK classic's Zusatzbeitrag for 2026?

IKK classic charges 3.40% in 2026, resulting in a total rate of 18.00% — above the national average.

Is IKK classic available nationwide?

Yes, IKK classic is effectively available nationwide, though it is technically classified as a guild-based insurer rather than a purely nationwide Krankenkasse.

Quick Summary

InsurerIKK classic

Country🇩🇪 Germany

Overall Score68/100

Satisfaction3.5/5

Members2.9M

Typestatutory

Founded2010

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