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KKH Kaufmannische Krankenkasse

66Score
★★★☆☆3.4

Customer satisfaction · 1.5M members

Nationwide Insurer — Stable Contribution Rate(2026)

KKH is a nationwide statutory health insurer with 1.5 million members. While its Zusatzbeitrag of 3.78% is above average, the rate remained stable from 2025 to 2026, and the insurer offers standard statutory benefits plus bonus programs.

Overall Score

66/100

Founded

1890

Headquarters

Hanover

Type

statutory
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Key Metrics

Zusatzbeitrag

3.78%

Total Rate

18.38%

Bonus Program

yes

English Support

no

Editorial Ratings

Nationwide Insurer — Stable Contribution Rate(2026)

Rating: Nationwide insurer — standard rating (max: Exzellent)

66DFSI

Coverage Highlights

  • ✓Stable contribution rate — no increase from 2025 to 2026
  • ✓Standard statutory benefits
  • ✓Bonus programs for preventive activities
  • ✓Nationwide availability

Pros

  • ✓Rate stability — Zusatzbeitrag held steady for 2026
  • ✓Nationwide availability
  • ✓Long-established insurer (founded 1890)

Cons

  • ✗Zusatzbeitrag of 3.78% is significantly above average
  • ✗No English-language support
  • ✗Few standout extra benefits documented

Frequently Asked Questions

What is KKH's Zusatzbeitrag for 2026?

KKH charges 3.78% in 2026 (total rate 18.38%). Despite being above average, the rate was held stable from 2025.

Is KKH available nationwide?

Yes. KKH is a bundesweit (nationwide) Krankenkasse open to all.

Why is KKH's Zusatzbeitrag so high?

KKH's higher Zusatzbeitrag reflects its specific membership demographics and cost structures. The positive sign is rate stability — it did not increase from 2025 to 2026.

Quick Summary

InsurerKKH Kaufmannische Krankenkasse
Country🇩🇪 Germany
Overall Score66/100
Satisfaction3.4/5
Members1.5M
Typestatutory
Founded1890

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