Around 90% of people in Germany are insured with a statutory health insurance fund. While the basic benefits are set by law, the funds differ in their additional contributions and service.

What the additional contribution (Zusatzbeitrag) is

All funds charge 14.6% of gross income, and on top of that each fund sets its own additional contribution. In 2026 the average is 2.9%, with some funds noticeably higher or lower. Employee and employer share it, so your choice of fund directly affects your net salary.

Techniker Krankenkasse (TK): popular with newcomers

TK is Germany's largest health insurance fund, with more than eleven million insured people. It is especially popular with international professionals thanks to its English-language service, English app and telephone support.

Barmer and AOK: local presence and programmes

Barmer offers strong digital services and prevention programmes for families. AOK is divided into regional funds (such as AOK Bayern or AOK Plus) and has the densest network of branches, including in smaller towns – convenient for people who prefer to visit in person.

Bonus programmes

Funds reward a healthy lifestyle. For dental cleaning, vaccinations, gym membership or fitness trackers, you can get back around €50 to €250 a year through the fund's bonus programme.

What to check

  • Check the current additional contribution of the fund you are considering.
  • Check whether English-language support and an app are available.
  • Sign up for the fund's bonus programme once you receive your health insurance card.
  • Apply to switch funds online: the new fund takes care of cancelling the old one.

Example situation

An employee chooses the Techniker Krankenkasse, becomes a member online in a few minutes before entering the country and receives a certificate of insurance for the visa the same day.

Next step

Choose a fund with a convenient app and support in a language you understand; you can usually switch after 12 months of membership.

Official information on this topic

Checklists and examples are organisational recommendations. Requirements depend on the procedure, the city and your situation; check them with the relevant office before you act. Please discuss legal and tax questions with an authorised professional.

This article was prepared with the help of AI. The example illustrates the approach and does not describe a client case.