Compare Krankenkassen and choose the best option for you in Germany
Check the cost and coverage of the main public insurers in Germany. We help you with the management and sign-up process for free and in your language.
Compare, choose and sign up with professional help and in your language
What is the Krankenkasse and why is it compulsory?
If you have arrived in Germany and found employment (other than a minijob), your employer will require you to have public health insurance. Health insurance is compulsory in Germany and you must have it when you sign your employment contract.
The German public system (GKV) works as follows: you pay a percentage of your gross monthly salary. Your employer pays exactly the same amount as you, so together you cover the total cost. The percentage you pay depends on the Krankenkasse you choose.
Krankenkasse Comparator 2026
Enter your gross monthly salary and instantly calculate how much you would pay with each insurer. The rate shown reflects exclusively the employee's share (the employer pays the same).
Contribution ceiling 2026: €5,512.50/month
* Percentages correspond to each insurer's 2026 Zusatzbeitrag. The general GKV rate is 14.6%. The employee pays half the total. Source: GKV-Spitzenverband / krankenkasseninfo.de
Analysis of the main Krankenkassen
We have selected the Krankenkassen with the best ratings, reliability and effectiveness. These are the most requested by our clients.
TK (Die Techniker)
Zusatzbeitrag 2026: 2,45%TK is the largest public health insurer in Germany with over 11.8 million members. It was named Germany's best health insurance by Focus Money for 17 consecutive years until 2023. It stands out for its advanced digitalisation and English-language support.
✅ Advantages
- Broad medical, basic dental, hospital and medication coverage
- Advanced mobile app for managing your insurance digitally
- Customer service in English
- Free family coverage for spouse and children under certain conditions
- Screening tests, vaccinations and glasses included
- Coverage during travel abroad (EU)
⚠️ Weaknesses
- Complex dental treatments (crowns, implants) require supplemental insurance
- The Zusatzbeitrag has risen significantly since 2025
🎯 Ideal for
Singles, couples and families who value digitalisation and English-language support.
➕ Extras
TK-Fit: sports activity tracking with real rewards.
DAK-Gesundheit
Zusatzbeitrag 2026: 2,80%DAK-Gesundheit is a well-known insurer with over 5.5 million members. It stands out for its focus on prevention, wellbeing and its appeal to international students.
✅ Advantages
- €120 bonus with DAK Fit & Travel for gyms and sports clubs
- Comprehensive coverage: dental, medical treatments, medications, prevention and fitness
- 100% coverage of travel vaccinations and cancer screening
- Special support for international students
- Cobertura familiar gratuita bajo ciertas condiciones
⚠️ Weaknesses
- Monthly premium slightly higher than other insurers
🎯 Ideal for
International students, individuals and families who value wellbeing and prevention programmes.
➕ Extras
Reimbursement for professional dental cleaning, gym and sports club membership.
BARMER
Zusatzbeitrag 2026: 3,29%BARMER is Germany's second largest insurer with 8.5 million members. It stands out for its prevention services, 24/7 customer support and advanced digital tools.
✅ Advantages
- Customer service available 24/7
- Full coverage: dental, hospital, medications and official vaccinations
- Spouse and children insured for free under certain conditions
- 100% reimbursement of travel vaccinations
- €200 for expectant parents (additional tests, dental, osteopathy, midwife)
- Doctor Finder: list of doctors by language
⚠️ Weaknesses
- Complex dental treatments (crowns) require additional payment
- Zusatzbeitrag among the highest of the major insurers
🎯 Ideal for
Families, expectant parents and people who value flexibility and 24/7 support.
➕ Extras
CyberHealth: points programme for a healthy lifestyle.
IKK Classic
Zusatzbeitrag 2026: 3,40%IKK Classic is a public insurer with a strong focus on prevention and wellbeing, particularly through online programmes. It offers additional coverage in collaboration with SIGNAL IDUNA.
✅ Advantages
- Wide coverage: dental, prevention and full medical care
- Free family coverage for spouse and children under certain conditions
- Online health programmes: diabetes prevention, back exercises, etc.
- Supplemental insurance in collaboration with SIGNAL IDUNA
⚠️ Weaknesses
- Online information mainly in German — that is why Bramex acts as your intermediary
- Zusatzbeitrag among the highest in the comparator
🎯 Ideal for
Families and people interested in personalised health and wellbeing programmes.
SBK
Zusatzbeitrag 2026: 3,80%SBK (Siemens Betriebskrankenkasse), now merged with BKK Voralb since January 2026, is one of Germany's largest BKK insurers with over 1 million members. Recognised for its award-winning personalised customer service.
✅ Advantages
- National coverage for employees of any company and their families
- Personalised service with individual advisers
- Recognised as "Germany's most popular health insurer" on multiple occasions
- Alternative medicine, health advice abroad and health promotion
⚠️ Weaknesses
- Dental programme less favourable than other Krankenkassen
- Highest Zusatzbeitrag in the comparator for 2026
🎯 Ideal for
Employees of any company, including families, apprentices and students.
AOK (regional)
Zusatzbeitrag 2026: varies by regionAOK is one of Germany's largest insurers, with over 130 years of history. It is organised by region: each branch covers a specific area and you must choose the one corresponding to your place of registration or where your employer is based.
✅ Advantages
- Long track record and strong regional presence
- Cobertura familiar gratuita para cónyuge e hijos
- Fast appointments with GPs and specialists
- Second medical opinion available
⚠️ Weaknesses
- The Zusatzbeitrag varies significantly depending on the regional branch
- You can only choose the AOK corresponding to your region
🎯 Ideal for
Families and people looking for comprehensive coverage with a strong local presence.
Why manage your Krankenkasse with Bramex?
The comparator and all advice are completely free. We manage your insurance directly with the insurer, in your language, and keep you informed of any issues before, during and after sign-up.
How we work: 4 steps
Check the rates
Use the comparator to check the monthly cost based on your salary and the Krankenkasse you are interested in.
Choose your insurer
Select the one that best fits your situation. If you have questions, we advise you with no commitment.
Fill in the form
Fill in your details in our form. It takes less than 5 minutes.
We process your insurance
We verify your details, manage the contract with the insurer and send you all the documentation.
Frequently asked questions about the Krankenkasse
How does Bramex manage the sign-up for a Krankenkasse?
Once we receive your details, we check that everything is correct, contact the insurer, handle all the paperwork on your behalf and follow up on your contract. We are an independent advisory firm, which allows us to find the best solutions for your specific situation.
What are the benefits of managing my insurance through Bramex?
You will have professional, officially registered advisers in Germany, specialised in health insurance and affiliated with the main Krankenkassen. We act as the intermediary between you and the insurer: any questions about payments, insurance changes, translation of communications or invoices are easily resolved with us, always in your language and at no cost.
Does the contract change if I sign up directly with the insurer?
No. The contract is exactly the same and the timelines are the same. There are no extra charges for our management. At Bramex we help you find the best public insurer and streamline the entire sign-up process.
Is there an additional cost for signing up through Bramex?
Not at all. Managing your Krankenkasse through Bramex involves no extra cost. You will pay exactly what your contract with the insurer states.
What does Bramex do before, during and after signing up for insurance?
Before: We answer your questions and help you find the best insurer. During: We manage the insurance on your behalf with a professional service. After: We provide support and customer service for any questions that arise.
Which Krankenkasse can I choose if there is no AOK in my region?
National Krankenkassen such as TK, DAK, BARMER, IKK Classic and SBK are available throughout Germany. AOKs are organised regionally: you must choose the one corresponding to your place of registration or where your employer is based. If you need an insurer not listed in the comparator, we can still handle it.
Why waste time searching for and managing your insurance?
Get in touch and we will process your Krankenkasse quickly, efficiently and in your language. You can also view the detailed coverage of each insurer.