statutoryOnline Signup

KNAPPSCHAFT

60Score

★★★☆☆3.5

Customer satisfaction · 1.2M members

Historic Miners' Insurer — Nationwide(2026)

KNAPPSCHAFT is one of Germany's oldest insurers, originally serving miners since the 13th century and now open to all. With 1.17 million members and the highest Zusatzbeitrag among major insurers at 4.30%, it offers a comprehensive extras package including osteopathy, skin cancer prevention, and substantial bonus programs.

Overall Score

60/100

Founded

1260

Headquarters

Bochum

Type

statutory

Get a Free Quote→

No obligation. Compare personalized rates.

Key Metrics

Zusatzbeitrag

4.30%

Total Rate

18.90%

Bonus Program

yes

English Support

Editorial Ratings

Historic Miners' Insurer — Nationwide(2026)

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

60DFSI

Coverage Highlights

✓Skin cancer prevention programs
✓Healthy nutrition programs and free travel vaccines
✓Osteopathic treatment subsidies
✓AktivBonus: several hundred EUR for health-conscious behavior
✓AktivBonus for young families

Pros

✓Rich history — one of the oldest insurers in Germany (since 1260)
✓Comprehensive extra benefits package including osteopathy and prevention
✓Generous bonus programs for families and individuals
✓Nationwide availability

Cons

✗Highest Zusatzbeitrag among major insurers at 4.30%
✗Total rate of 18.90% is significantly above average
✗No English-language support

Frequently Asked Questions

Why is KNAPPSCHAFT's Zusatzbeitrag so high?

At 4.30% (total rate 18.90%), KNAPPSCHAFT has the highest Zusatzbeitrag among major insurers. This reflects its membership demographics and comprehensive benefit package, including extensive osteopathy, prevention, and bonus programs.

Is KNAPPSCHAFT only for miners?

No. While KNAPPSCHAFT originated as a miners' insurer (dating back to 1260), it is now open to all residents of Germany.

What bonus programs does KNAPPSCHAFT offer?

KNAPPSCHAFT offers AktivBonus and AktivBonus for young families, providing several hundred EUR in rewards for health-conscious behavior such as preventive check-ups, vaccinations, and fitness activities.

Quick Summary

InsurerKNAPPSCHAFT

Country🇩🇪 Germany

Overall Score60/100

Satisfaction3.5/5

Members1.2M

Typestatutory

Founded1260

Other Insurers in Germany

DKV Deutsche Krankenversicherung

private

100

/ 100

Allianz Private Krankenversicherung

private

97.5

/ 100

Techniker Krankenkasse (TK)

statutory

/ 100

AOK Rheinland-Pfalz/Saarland

statutory

94.8

/ 100

HEK — Hanseatische Krankenkasse

statutory

92.8

/ 100

Ready to get covered?

Get a personalized quote from KNAPPSCHAFT today.

Get Free Quote→