Currently, many insured people in Germany are facing a shock: Public health insurance surcharges (Zusatzbeiträge) have risen more sharply than ever before. But as an expat, you don't have to just accept this. Switching can save you real money while improving your benefits.
Why Prices Vary So Much Now
While the general contribution rate is fixed by law, each health fund (Krankenkasse) decides its own surcharge – based on its financial situation. Currently, we see a huge gap: some funds are below 1.0%, while others exceed the 3.0% mark. For an average salary, this difference can amount to over 500 Euros per year. This is particularly relevant if you have already optimized other fixed costs, for example with a banking comparison.
Direct Comparison & Online Application
With my new online service, you can compare current conditions directly and initiate your switch or application immediately. This saves time and guarantees you a neutral market overview.
Compare Health Funds Now
Use my neutral comparison tool on the public health insurance page to find the best funds for you.
To Health Insurance Comparison →More Than Just Price: Extra Benefits
A good comparison doesn't just look at the contribution. Many health funds offer attractive extra benefits that often exceed the value of the surcharge:
- Professional Teeth Cleaning: Many funds contribute 60 to 100 Euros per year.
- Osteopathy: Subsidies for alternative healing methods are becoming increasingly popular.
- Travel Vaccinations: Important for expats and globetrotters.
- Bonus Programs: Receive cash rewards for sports activities or check-ups.
Switching is Easier Than Ever
Since the termination protection reform, you don't even have to cancel your old health fund yourself. The new fund handles the entire process for you. You only need to fill out the online application.
Checklist: How to Optimize Your GKV
- Check your current surcharge on your payslip.
- Use the comparison tool and check benefits (e.g., dental cleaning).
- Submit the online application – done!