🩺 Калькулятор медстраховки
Calculate your contribution and compare additional rates of major funds — up to €200/year difference.
📊 Zusatzbeitrag comparison 2025
hkk
Extra rate
2,19%
Techniker (TK)
Extra rate
2,45%
AOK (Ø)
Extra rate
2,69%
IKK classic
Extra rate
2,90%
DAK
Extra rate
2,80%
Barmer
Extra rate
3,29%
Knappschaft
Extra rate
3,10%
Mobil Krankenkasse
Extra rate
3,99%
Average values 2025, employee share. Childless pay +0.6% PV. Not advice.
📌 Good to know
- Switching pays: from priciest to cheapest — up to ~€500/year saved for the same cover.
- Family insurance: spouse and children with no income are covered free.
- Self-employed pay voluntarily — minimum ~€230/month even with zero income.
- Switching period: 2 months to month end — the new fund handles cancellation.