Additional contribution 2026
Cheapest health insurer in Bavaria
2026 compared
If you live or work in Bavaria, you can choose from 51 health insurers – all those open nationwide and 17 regional ones. The cheapest is BKK firmus at 2.18%, the most expensive BKK24 at 4.39%. On a gross salary of €4,000 that is a difference of up to €530 a year for you.
Compare with other insurers →Additional contributions
All health insurers you can join in Bavaria
Sorted by additional contribution, not by remuneration. “Apply” opens the online application of our partner VGK24 further down this page – offered for the 39 insurers we arrange via VGK24.
| Insurer | Additional contribution | Total rate | Open | Online application |
|---|---|---|---|---|
| BKK firmus | 2.18% | 16.78% | regional | Apply → |
| BKK Faber-Castell & Partner | 2.48% | 17.08% | regional | Apply → |
| TUI BKK | 2.50% | 17.10% | nationwide | |
| hkk | 2.59% | 17.19% | nationwide | Apply → |
| Audi BKK | 2.60% | 17.20% | nationwide | Apply → |
| AOK Bayern | 2.69% | 17.29% | regional | Apply → |
| Techniker Krankenkasse (TK) | 2.69% | 17.29% | nationwide | Apply → |
| WMF BKK | 2.85% | 17.45% | nationwide | |
| HEK | 2.89% | 17.49% | nationwide | Apply → |
| BKK Freudenberg | 2.99% | 17.59% | regional | Apply → |
| BKK Linde | 2.99% | 17.59% | nationwide | |
| Bosch BKK | 3.18% | 17.78% | regional | |
| Bertelsmann BKK | 3.20% | 17.80% | regional | |
| DAK-Gesundheit | 3.20% | 17.80% | nationwide | Apply → |
| Debeka BKK | 3.25% | 17.85% | nationwide | |
| BARMER | 3.29% | 17.89% | nationwide | Apply → |
| Salus BKK | 3.29% | 17.89% | nationwide | Apply → |
| Continentale BKK | 3.33% | 17.93% | nationwide | |
| BKK Akzo Nobel Bayern | 3.39% | 17.99% | regional | |
| IKK gesund plus | 3.39% | 17.99% | nationwide | Apply → |
| BKK Gildemeister Seidensticker | 3.40% | 18.00% | nationwide | Apply → |
| ZF BKK | 3.40% | 18.00% | regional | |
| BKK Herkules | 3.48% | 18.08% | regional | Apply → |
| BKK Technoform | 3.49% | 18.09% | regional | |
| R+V BKK | 3.49% | 18.09% | nationwide | Apply → |
| BKK mkk | 3.50% | 18.10% | nationwide | Apply → |
| novitas bkk | 3.60% | 18.20% | nationwide | Apply → |
| BAHN-BKK | 3.65% | 18.25% | nationwide | Apply → |
| SKD BKK | 3.65% | 18.25% | regional | Apply → |
| BIG direkt gesund | 3.69% | 18.29% | nationwide | Apply → |
| Pronova BKK | 3.70% | 18.30% | nationwide | Apply → |
| KKH | 3.78% | 18.38% | nationwide | Apply → |
| BKK ProVita | 3.79% | 18.39% | nationwide | Apply → |
| vivida bkk | 3.79% | 18.39% | nationwide | Apply → |
| BKK Diakonie | 3.80% | 18.40% | regional | |
| SBK | 3.80% | 18.40% | nationwide | Apply → |
| IKK classic | 3.85% | 18.45% | nationwide | Apply → |
| mhplus BKK | 3.86% | 18.46% | regional | Apply → |
| BKK Mobil | 3.89% | 18.49% | nationwide | Apply → |
| BKK VerbundPlus | 3.89% | 18.49% | nationwide | Apply → |
| BKK melitta hmr | 3.90% | 18.50% | regional | Apply → |
| BKK Pfalz | 3.90% | 18.50% | nationwide | Apply → |
| Heimat Krankenkasse | 3.90% | 18.50% | nationwide | Apply → |
| SECURVITA BKK | 3.90% | 18.50% | regional | Apply → |
| energie-BKK | 3.98% | 18.58% | nationwide | Apply → |
| BKK Wirtschaft & Finanzen | 3.99% | 18.59% | regional | Apply → |
| VIACTIV Krankenkasse | 4.19% | 18.79% | nationwide | Apply → |
| IKK – Die Innovationskasse | 4.30% | 18.90% | nationwide | Apply → |
| Knappschaft | 4.30% | 18.90% | nationwide | Apply → |
| BKK Werra-Meissner | 4.35% | 18.95% | regional | |
| BKK24 | 4.39% | 18.99% | nationwide | Apply → |
Source: list of health insurers published by the GKV-Spitzenverband, retrieved on 1 November 2026. Total rate = 14.6% + additional contribution. Company-based insurers (only for employees of certain companies) are not listed. Benefits differ – compare contribution and benefits.
Regional
Regional insurers in Bavaria
These insurers only accept you if you live or work in their area. The AOK for Bavaria: AOK Bayern (2.69%).
- BKK firmus2.18%
- BKK Faber-Castell & Partner2.48%
- AOK Bayern2.69%
- BKK Freudenberg2.99%
- Bosch BKK3.18%
- Bertelsmann BKK3.20%
- BKK Akzo Nobel Bayern3.39%
- ZF BKK3.40%
- BKK Herkules3.48%
- BKK Technoform3.49%
- SKD BKK3.65%
- BKK Diakonie3.80%
- mhplus BKK3.86%
- BKK melitta hmr3.90%
- SECURVITA BKK3.90%
- BKK Wirtschaft & Finanzen3.99%
- BKK Werra-Meissner4.35%
FAQ
Questions about health insurance in Bavaria
Which health insurer is cheapest in Bavaria?
Can I choose any health insurer in Bavaria?
How much can I save by switching in Bavaria?
How do I switch health insurer?
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Why is the comparison free?
The comparison and any advice are completely free of charge for you. We only receive remuneration if a switch of health insurer takes place – and it comes from the receiving health insurer, not from you. You incur no costs and no obligations whatsoever.
you, always
You don't have to cancel your old health insurance yourself. Your new insurer handles the entire cancellation. You just briefly tell your employer which insurer you're switching to – the new insurer then sends them the membership certificate (Mitgliedsbescheinigung) electronically.
The entire switch happens online. No public office, no fax, no waiting room. Your membership application takes just a few minutes to submit online.
All statutory health insurers open nationwide are obliged to accept members – with no health check and no waiting period. Company health insurers (Betriebskrankenkassen) may be restricted to certain groups of people.