Top 5 Best Health Insurance Companies In Germany

Health Insurance Companies in Germany – There are many health insurance companies operating in Germany. Some of the major ones include:

AOK
Barmer
DAK-Gesundheit
Techniker Krankenkasse (TK)
IKK classic
Knappschaft-Bahn-See

These health insurance companies offer various health insurance packages, including statutory health insurance and private health insurance.

Contents

AOK

One of the best health insurance companies in Germany, AOK, offers health insurance to millions of individuals. It provides numerous health insurance packages, including as basic insurance protection, supplemental insurance, and long-term care insurance, to fulfill the demands of diverse people.

The business places a major emphasis on preventative treatment and provides its members with a range of health and wellness services. To make it simpler for its members to get medical treatment, AOK also offers a variety of online services, such as online doctor appointments and electronic health records.

What services are included in the health insurance?

AOK is a company that offers required health insurance. They pay for hospital care, medication, therapy (such as massages, physiotherapy, etc.), assistive devices (such as walking aids), and medical care from physicians and dentists. Some of these services come with extra costs. Everyone is affected by this, regardless of their health insurance company.

AOK also works to prevent diseases from developing in the first place, identify them as quickly as possible if they occur, and provide the proper care. As a result, they cover all legally mandated preventative exams, as well as provide their policyholders with advice and classes on how to live a healthy lifestyle.

How does the healthcare system work in Germany?

It is a legal need to have health insurance in Germany. You are protected in case of illness in this way. The foundation of statutory health insurance is equality. Regardless of their individual health risk and regardless of how much their membership fee is, everyone with insurance is entitled to the same treatment. High income equates to high fees, while low income equates to cheap fees. All the benefits are available at a special cheap student pricing for students with little or no money.

Why do I need health insurance?

All students in Germany are required to get health insurance as a matter of course. This implies that before enrolling at a university, you must acquire a certificate of insurance from a health insurance provider.

Why choose AOK?

In order to enroll in a university in Germany, all students must have health insurance. International students are also affected by this. Make sure the health insurance company you select is a good fit for you and your requirements.

With over 27 million customers, AOK is one of Germany’s largest health insurance providers. We have been offering the greatest medical treatment to our members in the case of illness for more than a century.

And we provide students extra-special attention; one example is our extensive AOK student service. Frequently, you can locate your individual AOK adviser on campus or in the neighborhood.

Services

The power to decide
Select from more than 130,000 physicians and dentists. GPs and specialists are among them.
Low-cost Premiums
Every statutory medical care is available at low student prices. Depending on the AOK, varies. Make a donation to your insurance.
No upfront payment
You only need to present your AOK card at the doctor’s office; there are no advance payments required. Then the doctor will send us a bill straight.
No-cost Hotline
365 days a year, a knowledgeable group of doctors and specialists are available by phone to provide medical advice.

Benefits

AOK Student Service
AOK Student Service offers a variety of personal consulting services nearby the university.
Different Free Webinars
Several Free Webinars, including the specifically for foreign students webinar on “Studying and Working in Germany.”
Free Supplemental Offers
Free Supplemental Offers Choose from a variety of healthful activities, including yoga, exercise, and educational dietary classes.
Hotline for Multilingual Service
Quick solutions to any of your inquiries are available on a multilingual service hotline.

Barmer

Barmer is one of the best Health Insurance Companies in Germany that provides health insurance coverage to individuals and families. The company has a strong focus on preventive care and offers a range of services and programs aimed at promoting healthy lifestyles and early detection of illnesses.

Some of these services include health check-ups, health counseling, and a wide range of online health services. In addition to its health insurance offerings, Barmer also provides supplementary insurance packages and long-term care insurance. The company has a strong reputation for high-quality customer service and has won numerous awards for its services.

services and products

We provide you with the greatest healthcare goods and services for a healthy, contemporary living, ranging from the BARMER-App to dental treatment and immunizations. Award-winning health insurance made simply benefits international workers, students, and families.

100% of recommended vaccines are covered
Get a yearly cash incentive of greater than €100.
24/7 Free Medical Advice from BARMER Teledoktor* Emergency Protection When Traveling in the EU
The prestigious BARMER-App Online management is simple.
Free family health insurance

Financial security & contributions

You never have to be concerned about expensive medical bills with BARMER. regardless of what occurs to you.

Public health insurance is a wise decision with no associated costs.
Investing in the finest health insurance
Rewards in money for leading a healthy lifestyle

DAK-Gesundheit

Hello and welcome to DAK-Gesundheit, one of the biggest and best Health Insurance Companies in Germany. We are among the suppliers with the oldest histories in the nation, having been in business for 230 years. We are pleased to serve a population of almost six million. Excellent benefits, knowledgeable service, and vision are all provided by DAK-Gesundheit. Together, let’s look forward to your future, your life, and your health.

Who can predict what the future may hold? Because of this, you should always stay on the side of safety when it comes to your health. You may count on DAK-Gesundheit as a partner for the rest of your life. You may rely on us to be your health insurance in any circumstances.

We pay for anything from surgeries to hearing aids to walking aids. We also pay for preventative treatments like nutrition counseling and help to quit smoking, among other things. Our annual investment in the health of our insureds is 20 billion euros, or around 55 million euros each day.

How to get your health card

An electronic health card is automatically mailed to every DAK-Gesundheit-covered person. However, we require a picture before we can give you your health card. Therefore, a letter including all the necessary information will be sent to you. The letter will contain a number that serves as your picture ID and enables you to submit your own photo for your card.

You may also turn in the photo at a service center. The particular form that is available from us must be used for this. Simply visit a nearby DAK service center if you don’t have a photo, and we will take one for you at no cost. You only need to do that.

Family insurance is available for

According to the German Act on Registered Life Partnerships, your spouse or partner is a “life partner” (Lebenspartnerschaftsgesetz)
Children, both biological and adoptive
Those whose parents are covered by your family’s insurance
Stepchildren and grandkids you, the DAK member, are largely responsible for
Foster children unless you are doing so professionally You must be a German resident and not be covered by another type of mandatory health insurance in order to be eligible for coverage for you and your loved ones.

Free insurance for your children

Until they turn 18, you can add your children to your insurance. If your children are not yet working, coverage is available until they become 23, and if they are enrolled in school, coverage is available until they turn 25.
Children who are physically, intellectually, or both and are unable to care for themselves may get family insurance at any age.

Income limits

Family insurance has some income restrictions: your relatives’ monthly income cannot exceed 485 Euros. The cap is set at 520 Euros if the position is considered marginal employment (a “Minijob”). (2023)

Applying for family insurance

Are you interested in family insurance?

Techniker Krankenkasse (TK)

Techniker Krankenkasse (TK) is also one of the best Health Insurance Companies in Germany that provides health insurance coverage to individuals and families. TK is known for its strong focus on preventive care and offers a range of services and programs aimed at promoting healthy lifestyles and early detection of illnesses.

Some of these services include health check-ups, health counseling, and a range of online health services. In addition to its health insurance offerings, TK also provides supplementary insurance packages and long-term care insurance. The company is known for its high-quality customer service and its innovative approach to health insurance. TK is one of the largest statutory health insurance companies in Germany and has a strong reputation for its services.

Germany’s best health insurance fund? Techniker Krankenkasse!

Even though a lot is happening, Techniker Krankenkasse will continue to top Focus-assessment Money of health insurance funds in 2023 for the 17th consecutive year.

Focus-Money has been conducting an extensive study to discover which German health insurance fund is the finest for the past 17 years. And TK is now seated on the podium’s top step for the 17th consecutive time.

In seven of the 11 categories evaluated, Techniker Krankenkasse received the highest rating of “Excellent,” while in three more it received “Very Good” or “Good.”

The special prize for “Best Performance” also attests to Techniker Krankenkasse’s dominance in the healthcare industry overall, in addition to its dominance in specific areas.

Special awards:

Best Performance (calculated from the categories above without finances and transparency)
Recommended by doctors
Recommended by customers

Recommended by doctors and customers

Whom would you suggest? Doctors are frequently sought-after consultants by people not only for health-related issues but also for selecting the best health insurance plan. Focus-Money calculated which statutory health insurance fund more than 13,900 doctors in an online poll would suggest based on their own experiences. The Techniker Krankenkasse, a national health insurance fund with more than two million members, consolidated its top spot in this area as well.

The fourth Focus-Money test included customer opinion, which was once more evaluated by opinion research organizations based on numerous surveys and studies. Again receiving the “Recommended by customers” certification, Techniker Krankenkasse is one of the top health insurance funds in terms of client satisfaction and referrals.

Note

Have you considered changing health insurance funds? The Focus-Money issue from July 2022 has further information about the comparative analysis on “Germany’s top health insurance fund.” On the DFSI website, you may also obtain a PDF version of it.

Focus-Money: the big Statutory Health Insurance Fund test

IKK classic

IKK classic is one of the best Health Insurance Companies in Germany that provides health insurance coverage to individuals and families. The company has a strong focus on preventive care and offers a range of services and programs aimed at promoting healthy lifestyles and early detection of illnesses.

Some of these services include health check-ups, health counseling, and a wide range of online health services. In addition to its health insurance offerings, IKK classic also provides supplementary insurance packages and long-term care insurance. The company is known for its competitive pricing and its high-quality customer service. IKK classic is one of the leading statutory health insurance companies in Germany and is highly regarded by its customers.

Insurance for…

Every circumstance in life is unique. This is a fact. We have adapted our offers to meet your demands as a result.

Learn more about our benefits for students, employees, voluntarily insured individuals, pensioners, and families.

Young professionals

new to the workforce? Next, you should get your own health insurance.

Krankenversicherung? It seems tedious to you at first.
However, prompt protection of your health is extremely important in both your personal and professional lives. Good to have you here! We actually are experts in health insurance, and we can tell you why.

Students

Student mandatory insurance often kicks in at age 25.

Profit from the comprehensive range of services offered by IKK classic while you are a student, including student health insurance. The student health insurance covers medical treatments, prescription drugs, or physiotherapy following a sports injury. So that you may quickly return to your seat in the auditorium or take advantage of your semester breaks.

Employees

so that you are always treated well and maintain your health.
Healthy living! With us, employees are properly taken care of at all times.

With IKK classic, you are always adequately covered as an employee. so that you keep well and receive the best care possible in the case that you become ill. Your income determines how much you must pay each month towards your health insurance. Neither your age nor the cost of risk premiums causes it to rise.

The contribution rate will be 16.2 percent as of January 1, 2023. Your monthly pay up to the contribution assessment limit is used as the contribution rate. The following is the breakdown of the care insurance contributions: People who are parents pay 3.05 percent of their gross income, while those who aren’t parents pay 3.4%.

Voluntarily insured

Would you wish to voluntarily obtain insurance? You are in good hands with us! Even if you are self-employed or a freelancer, you can take advantage of our affordable premiums and a fantastic selection of more than 70 extra services.

Your most valuable asset is your health! As a result, you shouldn’t skimp while selecting your health insurance provider. The IKK classic provides you with specific services in terms of social insurance and health promotion. to maintain your health. Also, if you fall sick, recover swiftly.

Statutory health insurance	Private health insurance
Contribution: depends on income and any additional tariffs selected	depending on the state of health and desired services
Family members: co-insured free of charge	each person must be insured separately
Services: stipulated by law, expandable through optional tariffs	freely agreed

Health Insurance Companies in Germany

Pensioner

You are well taken care of with us. and in old age might lean back.

An entirely new stage of life begins with retirement. Numerous changes are brought about by this, including those that affect long-term care and health insurance.

Fill out the “Retirement health insurance notice” form if you’re applying for a pension. The IKK classic then gets this to ascertain the conditions of the seniors’ health insurance obligations (KVdR). The outcome, including whether the pre-insurance period has been satisfied and the start date of the KVdR, will subsequently be communicated to the pension insurance provider and you. Receiving a pension from statutory pension insurance is a prerequisite for the KVdR.

Pensions from other insurance programs, such as covered people’s pensions from statutory accident insurance or pensions from private insurance agreements, do not result in KVdR.

Additionally, during their working lives, the prospective retirees must have had statutory health insurance for the majority of the time. If you had statutory health insurance throughout the second half of your working life, you would have been covered for at least 90% of your medical expenses (so-called pre-insurance period). The obligatory pre-insurance term is additionally extended by three years for each kid, stepchild, or foster child.

The prior insurance period can also be completed in the person of the dead in the case of surviving dependents. Orphan pensioners get access to the KVdR without taking a prior insurance term into consideration.

It’s good to realize that times covered by private health insurance are typically excluded.

Familys

We value you and your family very much. We provide full insurance coverage for you and your loved ones as a result. Family members can be insured for free with us as well. Additionally, you and your family profit from a vast array of supplementary services. As an illustration, consider the IKK Bonus and the IKK Classic Savings Tariffs.

We support you right from the start, beginning with family planning and pregnancy. Later on, with us, your kids will be carefully taken care of. At the IKK classic, early diagnostic screenings are free. also, the six-monthly dental examination for kids starts at age six.

Premium-free insurance for family members

The following conditions must be met before family members can be insured at no additional cost: they must already be covered by another statutory or private health insurance company

have their home or primary residence in Germany.
are not excluded from insurance or from being required to get insurance
not full-time independent contractors
own no monthly total income over 485 euros (2023)

These health insurance companies offer various health insurance packages, including statutory health insurance and private health insurance.

Also read Top 10 Best Life Insurance Companies in the Canada 2023

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Top 5 Best Health Insurance Companies in the Germany