Postal check
These health insurance companies remain cheap
12/20/2022, 11:58
The average additional contribution in the new year is 1.6%. Many insurers have already announced premium increases. Others, however, remain below the average additional contribution. The overview:
Everything gets more expensive. Often also the statutory health insurance. The average additional contribution increases in the new year from 1.3 to 1.6 percent. In principle, the health insurance contribution consists of the general contribution rate of the current 14.6 percent, which is the same for all health insurance companies, and the individually determined additional contribution. Both the general contribution rate and the additional contribution are paid equally by employees and employers or pensioners and pension insurance.
With the additional contribution, the funds can also be higher or lower, because everyone decides the amount of the contribution individually. This offers potential savings for policyholders when they switch health insurance. This way, depending on your income, you can often save 100 to 200 euros a year. The Krankenkasse.de portal provides information on currently known additional contributions.
So far, these health insurance funds have equaled or exceeded an additional contribution of 1.6%.
- AOK Northwest 1.89% (not selectable nationally) plus 0.19
- BKKVBU 1.8%.
- IKK Brandenburg and Berlin 1.77% (not selectable nationwide)
- Health DAK 1.7%.
- Pronova BKK 1.7 percent
- BKK Economy & Finance 1.69% (not selectable nationwide)
- AOK Baden-Württemberg 1.6% (not selectable nationwide)
- Viaaktiv health insurance 1.6%.
- BKK Diakonie: 1.6% (not selectable nationwide)
- IKK Classic: 1.6 percent
Unlike before, members will no longer be informed of the increased fee by letter – at least until the end of June 2023 – for reasons of savings. This is what the new financial stabilization law passed by the Ministry of Health provides. How things will continue from July 2023 is open. However, health insurance companies are not allowed to raise their contribution rate completely unnoticed. You still have to announce it four weeks before the contribution rate is adjusted, just in other ways. Consumers should then consult their health insurance company’s website or in the member’s magazine.
The cheapest health insurance company nationwide is probably HKK with a total contribution of 15.58% (additional contribution 0.98%).
These health insurance companies have an additional contribution of less than 1.6%.
- BKK Gildemeister Seidensticker: 0.9%.
- HKK 0.98% health insurance.
- Krones BKK: 0.9% (not selectable nationwide)
- Techniker Krankenkasse 1.2%.
- Audi BKK 1.25%.
- BKK Faber-Castell & Partners: 1.35% (not selectable nationally)
- Home health insurance 1.3%.
- BKK Association plus 1.35%.
- BKK Provita: 1.49%.
- Mobile health insurance 1.49%.
- Bertelsmann BKK 1.4%.
- BKK Melitta HMR: 1.4% (not selectable nationwide)
- BIG directly healthy 1.45 percent
- BKK Provita: 1.49%.
- Barmer 1.5%.
- BKK Freudenberg 1.5% (not selectable nationwide)
- BKK Mahle 1.5% (not selectable nationwide)
- Siemens company health insurance 1.5%.
- BKK Akzo Nobel Bavaria 1.55% (not nationally selectable)
- AOK Lower Saxony: 1.5% (not selectable nationwide)
- AOK Plus: 1.5% (not selectable nationwide)
- AOK Bayern 1.58% (not selectable nationwide)
- MHPlus BKK 1.58% (not selectable nationwide)
- Energy company health insurance company 1.59%.
- Salus BKK 1.59%.
The currently cheapest nationwide open health insurance is probably the BKK Gildemeister Seidensticker with a total contribution of 15.50% (additional contribution 0.9).
Switching health insurance made easy
Basically, all cash registers are freely selectable. Even if the insured person is elderly or is currently under treatment. Provided that the fund is also available in the state of the insured. At the same time, the change of health insurance company has been significantly simplified since 2021: In theory, since then, policyholders have been able to switch to a cheaper health insurance company every year, similar to car insurance. For example, if you leave at the end of January, you will be in a new cash register on April 1st.
If the insurer increases the additional contribution, there is still a special right of termination at the end of the month in which the higher contribution is claimed for the first time. If the contract is duly terminated, it will take effect at the end of the following month. From January 2021, in all other cases, you are no longer bound to your insurance for 18 months as before, but only for 12 months, so you can theoretically change every year. In addition, switching has become much easier: just register online for your new health insurance company and let your new employer know that you want to switch health insurance companies.
In principle, it is not necessary to terminate the contract with the old health insurance company: the new health insurance company takes care of this electronically. An insurance gap is excluded when exchanging. If you switch to a cheap health insurance company, you should note that a little more income will need to be taxed. Part of the savings then falls victim to taxes. In addition, those who want to change should check whether the new, cheaper health insurance company also offers all the desired extra services such as teeth cleaning, osteopathy or homeopathy.
