Additional contribution 2026
Cheapest health insurer in North Rhine-Westphalia
2026 compared
If you live or work in North Rhine-Westphalia, you can choose from 53 health insurers – all those open nationwide and 19 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 North Rhine-Westphalia
Sorted by additional contribution, not by remuneration. “Apply” opens the online application of our partner VGK24 further down this page – offered for the 40 insurers we arrange via VGK24.
| Insurer | Additional contribution | Total rate | Open | Online application |
|---|---|---|---|---|
| BKK firmus | 2.18% | 16.78% | regional | Apply → |
| BKK Public | 2.50% | 17.10% | regional | |
| TUI BKK | 2.50% | 17.10% | nationwide | |
| hkk | 2.59% | 17.19% | nationwide | Apply → |
| Audi BKK | 2.60% | 17.20% | nationwide | Apply → |
| Techniker Krankenkasse (TK) | 2.69% | 17.29% | nationwide | Apply → |
| WMF BKK | 2.85% | 17.45% | nationwide | |
| HEK | 2.89% | 17.49% | nationwide | Apply → |
| AOK NordWest | 2.99% | 17.59% | regional | Apply → |
| BKK Freudenberg | 2.99% | 17.59% | regional | Apply → |
| BKK Linde | 2.99% | 17.59% | nationwide | |
| Bosch BKK | 3.18% | 17.78% | regional | |
| BKK VDN | 3.19% | 17.79% | regional | |
| Bertelsmann BKK | 3.20% | 17.80% | regional | |
| DAK-Gesundheit | 3.20% | 17.80% | nationwide | Apply → |
| Debeka BKK | 3.25% | 17.85% | nationwide | |
| AOK Rheinland/Hamburg | 3.29% | 17.89% | regional | Apply → |
| BARMER | 3.29% | 17.89% | nationwide | Apply → |
| Salus BKK | 3.29% | 17.89% | nationwide | Apply → |
| Continentale BKK | 3.33% | 17.93% | nationwide | |
| BKK EUREGIO | 3.39% | 17.99% | regional | Apply → |
| 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 exklusiv | 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 → |
| Bergische Krankenkasse | 3.79% | 18.39% | regional | 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 DürkoppAdler | 3.88% | 18.48% | regional | |
| 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 → |
| 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 North Rhine-Westphalia
These insurers only accept you if you live or work in their area. The AOK for North Rhine-Westphalia: AOK NordWest (2.99%), AOK Rheinland/Hamburg (3.29%).
- BKK firmus2.18%
- BKK Public2.50%
- AOK NordWest2.99%
- BKK Freudenberg2.99%
- Bosch BKK3.18%
- BKK VDN3.19%
- Bertelsmann BKK3.20%
- AOK Rheinland/Hamburg3.29%
- BKK EUREGIO3.39%
- ZF BKK3.40%
- BKK exklusiv3.49%
- SKD BKK3.65%
- Bergische Krankenkasse3.79%
- BKK Diakonie3.80%
- mhplus BKK3.86%
- BKK DürkoppAdler3.88%
- BKK melitta hmr3.90%
- SECURVITA BKK3.90%
- BKK Wirtschaft & Finanzen3.99%
FAQ
Questions about health insurance in North Rhine-Westphalia
Which health insurer is cheapest in North Rhine-Westphalia?
Can I choose any health insurer in North Rhine-Westphalia?
How much can I save by switching in North Rhine-Westphalia?
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.