Krankenkasse günstiger DE

Benefits comparison

Compare health insurance benefits –
more than just the contribution

Osteopathy, teeth cleaning, bonus programme, contribution refund – many insurers offer considerably more than the statutory minimum. We show you what to look out for.

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Good to know

Mandatory benefits vs. extra benefits

All statutory basic benefits are identical at every insurer – that's required by law. Differences exist only in the voluntary extras.

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Statutory mandatory benefits (the same everywhere)

Doctor's visits, hospital stays, medication, maternity, preventive check-ups, dental treatment, sickness benefit (Krankengeld) – set by law and identical at every insurer.

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Voluntary extra benefits (vary by insurer)

Osteopathy, professional teeth cleaning, bonus programmes, contribution refunds, travel health cover abroad – this is where insurers differ considerably.

Popular extras

These extra benefits are worth it

The most popular extra benefits – and what to look out for when comparing.

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Osteopathy

Many insurers reimburse 2–3 osteopathic treatments per year – often with a subsidy of €50 to €100 per session. Particularly relevant for back or joint problems.

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Professional teeth cleaning

Not a statutory mandatory benefit – but many insurers subsidise it with 40 to 120 euros a year as a voluntary benefit.

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Bonus programmes

Many insurers reward their members with cash bonuses or non-cash rewards for preventive check-ups, sport or health-conscious behaviour.

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Contribution refund

If you don't claim any benefits for a year, some insurers refund part of your contributions – up to one month's contribution.

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Naturopathy & acupuncture

Some insurers subsidise acupuncture or alternative practitioner (Heilpraktiker) services. Since 2022, homeopathy is by law no longer a reimbursable optional benefit under the statutes of statutory health insurers (GKV-Satzungsleistung).

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Travel health cover abroad

Some insurers offer extended cover abroad – for example for repatriation or treatment beyond the statutory requirements.

Frequently asked questions

Questions about health insurance benefits

Which health insurer pays for osteopathy?
Many statutory health insurers reimburse osteopathic treatment as a voluntary extra benefit – often 2 to 3 sessions per year with a subsidy of €50 to €100 per session. The exact amount reimbursed varies from insurer to insurer. With our calculator you can filter specifically for insurers that cover osteopathy.
Which health insurer pays for professional teeth cleaning?
Professional teeth cleaning (PZR) is not a statutory mandatory benefit. However, many insurers subsidise it as a voluntary benefit – usually 40 to 120 euros once a year.
Can I lose benefits if I switch insurer?
Mandatory benefits remain fully intact when you switch – they are guaranteed by law. Voluntary extra benefits may change. So before switching, you should check which extras your preferred new insurer offers.
How do I find the insurer with the best benefits for me?
That depends on your personal priorities. Do you often use naturopathy? Is teeth cleaning important to you? Or are you mainly looking for the lowest contribution? Our comparison calculator helps you filter specifically for the benefits that matter to you.
Is switching worthwhile even if extra benefits matter to me?
Yes – often especially so. Cheaper insurers often offer similar extra benefits to more expensive ones – so a comparison is always worthwhile, both for the contribution and for the benefits. Find out here how switching works →
Comparison calculator

Compare contributions & benefits

Enter your key details – you'll instantly see which insurer would be cheaper. No login, no email address needed.

Note: The comparison is free and non-binding. You'll find legal information in our legal notice, privacy policy and initial information.

Remuneration notice: We act as an insurance broker and may receive remuneration if a switch of health insurer comes about through our brokerage. This is paid by the receiving health insurer – there are no additional costs for you.

Ranking notice: The order of the health insurers shown may be influenced by the amount of remuneration. The comparison does not claim to include every health insurer available on the market.

* The savings of up to €600 per year are a guide figure based on a gross income of approx. €5,000 per month and the difference between the highest and the lowest additional contribution on the market. Your actual savings depend on your individual income and on the additional contribution of your current and your chosen health insurer.

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Transparency

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.

0 €
cost to
you, always
No paperwork
Your new insurer cancels for you.

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.

A few minutes
Switch fully online – in minutes.

The entire switch happens online. No public office, no fax, no waiting room. Your membership application takes just a few minutes to submit online.

Obligation to accept
All open insurers are obliged to accept you.

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.

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