Switching Krankenkasse in Germany: we help you with the whole process
We check whether you can switch insurer, whether the change is worth it for you and which options suit you best. We advise you free of charge and handle the entire process.
Free advice · We review your case and help you switch without complications
Everyone with health insurance has the option to switch Krankenkasse in Germany, that is, to change their health insurance provider, after a certain period of time.
We explain the reasons for switching, the conditions you need to meet, when you are entitled to do it and the steps required to manage the change.
We take care of the entire switching process free of charge, with no paperwork, no small print and in your language.
Want to know if switching Krankenkasse is worth it for you?
We analyse your situation, check whether a switch is possible and tell you if you can save money. No costs, no obligation.
Most common reasons for switching Krankenkasse
Price increase
Your insurer has announced an increase in your monthly rate.
Higher price than competitors
Other Krankenkassen offer the same coverage at a lower cost.
Poor customer service
You are not happy with the service you receive and want a more accessible insurer.
Better benefits
You want access to additional services your current insurer does not cover.
Switching Krankenkasse is not always possible. Before managing any change, we review your situation to make sure it is feasible and beneficial for you.
How much can I save by switching Krankenkasse?
All Krankenkassen apply a base contribution rate of 14.6% of your gross salary, but each one adds an individual additional contribution that can vary by several percentage points. That difference means two people with the same salary pay different amounts depending on the insurer they choose.
An employee on an average salary can save up to €30 per month simply by switching to a more efficient Krankenkasse. Over a year, that is €360 that stays in your pocket, while keeping the same basic benefits required by law.
At Bramex we calculate your real savings before managing any switch. If it is not worth it, we tell you.
When can you switch Krankenkasse?
Switching without notice
If you change employer, you are entitled to switch Krankenkasse from the start date of your new contract, with no minimum membership period and no notice required.
Switching with 2 months' notice
If you have been insured with the same Krankenkasse for more than 12 months without changing employer, you can switch by giving 2 months' notice. The same applies if your insurer has announced a rate increase.
How we manage your Krankenkasse switch at Bramex
We verify that you meet the requirements for switching
You fill in the form and we send you the best offers available
You choose the Krankenkasse that best suits your situation
We take care of the entire process: cancelling your previous contract and registering you with the new one
Why manage your switch with Bramex
Objective choice
We help you choose the insurance that truly fits your situation.
No additional costs
Our advice and management are completely free of charge.
Wide network of partners
We work with 95% of the best insurers in Germany.
Ongoing support
We are with you before, during and after taking out your policy.
Up-to-date information
We notify you of changes and news that may affect you.
In your language
All management and customer support in English, with no language barriers.
No bureaucracy
We handle all the paperwork. You only sign where needed.
Proven experience
Years helping foreigners and expats with their insurance in Germany.
We are affiliated with all insurers in Germany, which allows us to access the best available offers quickly and efficiently. We act as intermediaries between the insurer and our clients.
Frequently asked questions about switching Krankenkasse
Are there price differences between the various Krankenkassen?
Yes. Each Krankenkasse can set an individual contribution rate on top of the standard base rate. This means the percentage you pay on your salary can vary from one insurer to another, which is why it pays to compare before choosing.
How big can those price differences be?
The cost depends on your gross salary, as it is calculated as a percentage of it. Depending on the Krankenkasse you choose, that percentage varies. An employee can save up to €30 per month. Fill in the form on our website and we will send you the offers available for your case.
When can I switch Krankenkasse?
In general, you can switch after being with your current insurer for at least 12 months. There are exceptional situations that allow you to switch earlier, such as changing employer or a rate increase announced by your insurer. At Bramex we check your case free of charge and advise you on the best time to switch.
Does each Krankenkasse offer different benefits?
All Krankenkassen cover the basic benefits established by law. In addition, each one can offer different extra services, such as better dental coverage, wellness programmes or services abroad. That is why it is worth comparing before deciding.
Can I switch Krankenkasse while receiving medical treatment?
Yes, it is possible. The new insurer will cover your treatment costs from the moment the new contract starts. Before making the switch, we recommend you tell us what treatment you are receiving so we can verify that the new Krankenkasse offers exactly the same coverage. In most cases the benefits are equivalent, although there may be small differences in the subsidised amounts.
What happens if I cancel my Krankenkasse but do not sign up with a new one?
In that case, you automatically remain a member of your previous insurer. In Germany it is not possible to be left without health coverage once you are in the public system.
Can I switch Krankenkasse if I am unemployed?
Yes. You can switch regardless of your employment situation, as long as you have been with your current insurer for at least 12 months and respect the 2 months' notice period.
I am unemployed and not receiving benefits. Can I join my spouse's insurance at no cost?
Yes. If you have no income and your spouse has public health insurance, you can be co-insured on their policy free of charge until you return to work with a gross salary above €450 per month.
I have switched Krankenkasse. Can I go back to my previous one?
Yes, as long as you have been with your current insurer for at least 12 months and respect the corresponding notice period.
Ready to switch Krankenkasse?
Tell us about your situation and we will check whether you can switch, whether the change benefits you and which options are available to you. The service is completely free of charge.