Additional contribution 2026

Heimat Krankenkasse: additional contribution
3.90%

Heimat Krankenkasse currently charges an additional contribution of 3.90%. Together with the general contribution rate of 14.6%, that is 18.50% of your contributory income – your employer pays half of it.

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Key facts

Where Heimat Krankenkasse stands

Additional contribution: 3.90%1.00 percentage points above the official average of 2.9%
Total contribution rate: 18.50%14.6% general rate + additional contribution
Rank (cheapest first): No. 60 of 71among all insurers open to the public
Open in: nationwide
Website: heimat-krankenkasse.de

Source: list of health insurers published by the GKV-Spitzenverband (National Association of Statutory Health Insurance Funds), retrieved on 13 October 2026. Rates can change – the rate set by the insurer is decisive.

Example

What switching can save you

The cheapest insurer open nationwide is TUI BKK at 2.50%. This is how much you save per year as an employee if you switch from Heimat Krankenkasse:

Gross salary / month	Your share of the additional contribution / month	Saving / year
€2,500	€48.75	€210
€3,500	€68.25	€294
€4,500	€87.75	€378
from €5,812.50 (contribution ceiling)	€113.34	€488

Employee share (half of the additional contribution), calculated up to the contribution ceiling of €5,812.50 a month. For regional insurers, eligibility depends on where you live or work.

Contribution alert

Your insurer no longer has to tell you when it gets more expensive. Our contribution alert will.

Since 30 July 2026, statutory health insurers no longer have to inform their members when they raise the additional contribution – but the deadline for the special right of termination still runs. With the contribution alert (“Kassenwecker”), you get an email as soon as your insurer’s additional contribution or benefits change.

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Free of charge, unsubscribe at any time. Sign-up takes place on the website of our comparison partner VGK24.

31 Jan

Termination deadline for an increase on 1 January

Alternatives

Insurers cheaper than Heimat Krankenkasse

Insurers open to the public nationwide, sorted by additional contribution. Benefits and service differ – compare both before you switch.

All insurers at a glance →

FAQ

Questions about Heimat Krankenkasse

How high is the additional contribution of Heimat Krankenkasse in 2026?

Heimat Krankenkasse charges an additional contribution of 3.90%. Together with the general rate of 14.6%, the total contribution rate is 18.50%, shared equally between employee and employer.

Can I switch to Heimat Krankenkasse?

Yes. Heimat Krankenkasse is open nationwide and must accept anyone who can be insured under the statutory scheme – without a health check. You usually need to have been a member of your current insurer for 12 months.

What can I do if Heimat Krankenkasse raises its additional contribution?

You then have a special right of termination: you can give notice until the end of the month for which the higher rate first applies – without the 12-month minimum membership. Since 30 July 2026, insurers no longer have to inform you separately about an increase. The contribution alert lets you know.

How do I switch from Heimat Krankenkasse to a cheaper insurer?

Simply apply for membership with the new insurer – for example via the comparison calculator on this page. The new insurer handles the termination with your old one. Let your employer know about the switch; the membership certificate is sent electronically.

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.

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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.

Heimat Krankenkasse: additional contribution 3.90%