Public health insurance additional contribution in 2025 and 2024
The below table shows how much you contribute to public health insurance. General contribution is the same for all the public health insurance companies. However, each public insurer can decide how much additional contribution to charge.
| Maximum income considered for calculating premium | 5,512.5 € per month (as of 2025) | |
| Percentage of your gross salary | Monthly premium | |
| General contribution | 14.6% | 804.8 € |
| Additional contribution (Zusatzbeitrag) | 2.5% (average) | 137.8 € |
| Long-term nursing care | 3.6% (with 1 child) 4.2% (no children) | 198.4 € (with 1 child) 231.5 € (no children) |
| Total monthly contribution | 20.7% (with 1 child) 21.3% (without children) | 1141 € (with 1 child) 1174.16 € (without children) |
You can use our public health insurance calculator to calculate your premium based on your income, employment status, and public health insurance company.
Public Health Insurance Cost Calculator
- Calculate how much different public health insurance companies cost.
- You can check if you are insured with the cheapest public health insurance.
- Calculate how much you can save by switching to cheaper public health insurance.
Public health insurance companies can revise their additional contribution rate anytime. The table below shows the additional contribution rate of public health insurance companies as of 23 Dec. 2024.
| Public health insurance company | 2025 | 2024 | Percentage increase |
|---|---|---|---|
| AOK Baden-Württemberg | 2.6 | 1.6 | 62.5 |
| AOK Bayern | 2.69 | 1.58 | 70.25 |
| AOK Bremen Bremerhaven | 2.49 | 1.38 | 80.43 |
| AOK Hessen | 2.49 | 1.6 | 55.63 |
| AOK Niedersachsen | 2.7 | 1.5 | 80 |
| AOK Nordost | 2.7 | 2.7 | 0 |
| AOK NordWest | 2.79 | 1.89 | 47.62 |
| AOK Plus | 3.1 | 1.8 | 72.22 |
| AOK Rheinland / Hamburg | 2.99 | 2.2 | 35.91 |
| AOK Rheinland-Pfalz/Saarland | 2.47 | 1.8 | 37.22 |
| AOK Sachsen-Anhalt | 2.5 | 1.3 | 92.31 |
| Audi BKK | 2.4 | 1 | 140 |
| Bahn BKK | 3.4 | 3.4 | 0 |
| BARMER | 3.29 | 2.19 | 50.23 |
| Die BERGISCHE | 2.95 | 1.99 | 48.24 |
| Bertelsmann BKK | 3.2 | 2.5 | 28 |
| BIG direkt gesund | 3.39 | 1.65 | 105.45 |
| BKK Akzo Nobel | 3.39 | 1.65 | 105.45 |
| BKK B. Braun Aesculap | 2.95 | 1.75 | 68.57 |
| BKK Deutsche Bank AG | 3.4 | 1.9 | 78.95 |
| BKK Diakonie | 3.8 | 2.69 | 41.26 |
| BKK EUREGIO | 3.39 | 1.79 | NA |
| BKK EVM | 2.5 | 1.3 | 92.31 |
| BKK EWE | 1.98 | 0.9 | 120 |
| BKK exklusiv | 2.39 | 1.99 | 20.1 |
| BKK Faber-Castell & Partner | 2.18 | 1.1 | 98.18 |
| BKK firmus | 2.18 (Increased again in 2025. Earlier it was 1.84) | 0.9 | 104.44 |
| BKK Freudenberg | 2.49 | 1.5 | 66 |
| BKK GILDEMEISTER SEIDENSTICKER | 3.4 | 3.4 | 0 |
| BKK Groz-Beckert | 2.5 | 0.7 | 257.14 |
| BKK HERKULES | 2.39 | 2.39 | 0 |
| BKK Linde | 2.5 | 1.5 | 66.67 |
| BKK MAHLE | 4.2 | 3.25 | 29.23 |
| BKK Melitta HMR | 3.5 | 1.6 | 118.75 |
| BKK Miele | 2.8 | 1.2 | 133.33 |
| BKK MTU | 2.8 | 1.9 | 47.37 |
| BKK PFAFF | 2.78 | 1.8 | 54.44 |
| BKK Pfalz | 3.9 | 3.9 | 0 |
| BKK Pricewaterhouse-Coopers | 2.4 (Increased again in 2025. Earlier it was 2.08) | 1.48 | 40.54 |
| BKK ProVita | 2.89 | 1.49 | 93.96 |
| BKK Public | 2.3 | 1.2 | 91.67 |
| BKK Rieker.RICOSTA.Weisser | 3.8 | 2.9 | 31.03 |
| BKK Salzgitter | 2.8 | 1.6 | 75 |
| BKK SBH | 2.44 | 1.29 | 89.15 |
| BKK Scheufelen | 2.75 | 2.75 | 0 |
| BKK Technoform | 3.49 (Increased again in 2025. Earlier it was 2.49) | 1.5 | 66 |
| BKK Textilgruppe Hof | Merged with Mhplus BKK from 1 Jan 2025 | 2.8 | NA |
| BKK VDN | 3.19 | 3.19 | 0 |
| BKK VerbundPlus | 3.89 | 1.55 | 83.87 |
| BKK Voralb | 3.9 | 2.5 | 56 |
| BKK Werra-Meissner | 3.39 | 1.8 | 88.33 |
| BKK WIRTSCHAFT UND FINANZEN | 2.99 | 2.99 | 0 |
| BKK Würth | 2.39 | 1.29 | 85.27 |
| BKK ZF & Partner | 3.4 | 2.1 | 61.9 |
| BKK Dürkopp Adler | 3.88 | 2.55 | 52.16 |
| BKK 24 | 4.39 | 3.25 | 0 |
| BMW BKK | 3.9 (Increased again in 2025. Earlier it was 2.9) | 1.3 | 123.08 |
| Bosch BKK | 2.68 | 1.5 | 78.67 |
| Die Continentale BKK | 3.33 | 2.2 | 51.36 |
| DAK-Gesundheit | 2.8 | 1.7 | 64.71 |
| Debeka BKK | 3.25 | 1.69 | 92.31 |
| energie-BKK | 2.98 | 1.59 | 87.42 |
| Ernst & Young BKK | 2.29 (Increased again in 2025. Earlier it was 1.04) | 1.04 | 0 |
| Heimat Krankenkasse | 3.1 | 2.5 | 24 |
| HEK – Hanseatische Krankenkasse | 2.5 | 1.3 | 92.31 |
| hkk | 2.19 | 0.98 | 123.47 |
| IKK – Die Innovationskasse | 4.3 (Increased again in 2025. Earlier it was 3.6) | 3.1 | 0 |
| IKK Brandenburg und Berlin | 4.35 (Increased again in 2025. Earlier it was 3.1) | 1.99 | 55.78 |
| IKK classic | 3.4 | 2.19 | 55.25 |
| IKK gesund plus | 3.39 | 2.39 | 41.84 |
| IKK Südwest | 3.25 | 1.65 | 96.97 |
| BKK KARL MAYER | 3.39 (Increased again in 2025. Earlier it was 2.9) | 2.3 | 26.09 |
| KKH Kaufmännische Krankenkasse | 3.78 | 3.28 | 15.24 |
| Knappschaft | 4.4 | 2.7 | 62.96 |
| Koenig and Bauer BKK | 2.48 | 1.44 | 72.22 |
| Krones BKK | 1.4 | 0.9 | 55.56 |
| Mercedes Benz BKK | 3.2 | 1.7 | 88.24 |
| Merck BKK | 3.97 (Increased again in 2025. Earlier it was 3.2) | 2.4 | 0 |
| mhplus Krankenkasse | 3.29 | 2.56 | 0 |
| mkk – meine krankenkasse | 3.5 | 2.5 | 40 |
| Mobil Krankenkasse | 3.89 | 1.49 | 161.07 |
| Novitas BKK | 2.98 | 1.7 | 75.29 |
| Pronova BKK | 3.2 | 2.4 | 33.33 |
| R + V BKK | 2.96 | 1.4 | 111.43 |
| Salus BKK | 2.99 | 1.59 | 88.05 |
| SBK – Siemens BKK | 2.9 | 1.7 | 70.59 |
| SECURVITA | 3.9 (Increased again in 2025. Earlier it was 3.2) | 2.2 | 45.45 |
| SKD BKK | 2.48 | 1.49 | 66.44 |
| Südzucker BKK | 2.3 | 1.1 | 109.09 |
| Techniker Krankenkasse | 2.45 | 1.2 | 104.17 |
| TUI BKK | 2.5 | 1.5 | 66.67 |
| VIACTIV Krankenkasse | 3.27 | 3.27 | 0 |
| vivida bkk | 3.79 | 2.49 | 52.21 |
| WMF BKK | 2.45 | 1.6 | 53.13 |
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