hkk Krankenkasse
hkk Krankenkasse छात्र स्वास्थ्य बीमा
जर्मनी के सबसे सस्ते राष्ट्रव्यापी सार्वजनिक स्वास्थ्य बीमाकर्ताओं में से एक — मजबूत बोनस प्रोग्राम
✓वीज़ा अनुरूप
अंतिम अपडेट: April 16, 2026
क्या शामिल है
लाभ एवं कवरेज विवरण।
शामिल
One of the cheapest bundesweit-open Krankenkassen in 2026 at €140.30/month (under 23 or with children)
Zusatzbeitrag dropped from 2.69% (2025) to 2.59% (2026) — bucking the industry trend of increases
Up to €150/year available through the hkk bonusaktiv bonus program — accessible to students
Bundesweit geöffnet — open to students anywhere in Germany, not regionally restricted
Solid digital services including hkk-App, Online-Geschäftsstelle, ePA, and Videosprechstunden
शामिल नहीं
Minimal English support — website and hotlines are primarily German
Smaller member base (1.0M) compared to TK (12.3M) — less scale and brand recognition
No dedicated English-language student landing page or onboarding materials
Digital services are solid but not industry-leading (no English TK-Doc equivalent, no advanced fitness integrations)
अन्य GKV प्रदाता
AOK जर्मनी सार्वजनिक स्वास्थ्य बीमाAudi BKK सार्वजनिक स्वास्थ्य बीमाBahn-BKK अनिवार्य स्वास्थ्य बीमाBARMER — स्वास्थ्य बीमाBIG direkt gesund — छात्रों के लिए डिजिटल स्वास्थ्य बीमाDAK-Gesundheit सार्वजनिक स्वास्थ्य बीमाHEK — हानसिएटिक स्वास्थ्य बीमाIKK classic मूल स्वास्थ्य बीमाKKH — अंग्रेजी समर्थन छात्र बीमाmhplus BKK — छात्र स्वास्थ्य बीमाmkk — मेरी स्वास्थ्य बीमाMobil Krankenkasse — सरकारी स्वास्थ्य बीमाSBK — Siemens-Betriebskrankenkasse (प्रीमियम अंग्रेजी समर्थन)Techniker Krankenkasse (TK) — छात्र स्वास्थ्य बीमा
FAQ
hkk Krankenkasse छात्र स्वास्थ्य बीमा के बारे में अक्सर पूछे जाने वाले प्रश्न
hkk costs €140.30/month for students under 23 (or with children). Students aged 23+ without children pay €145.43/month due to the additional nursing care surcharge. This breaks down as: €87.38 base health insurance + €22.14 Zusatzbeitrag (2.59%) + €30.78 nursing care (or €35.91 if childless and 23+). hkk is among the cheapest bundesweit-open public health insurers in 2026.
hkk's English support is minimal. The website is primarily in German, and there is no dedicated English-language hotline. International students who do not speak German comfortably should consider TK or KKH, which offer dedicated English-language student services. hkk is best suited for German-speaking students or those confident using translation tools.
hkk is attractive for students primarily because of its low price — one of the cheapest bundesweit-open Krankenkassen in 2026 at €140.30/month. It also offers a strong bonus program (hkk bonusaktiv) worth up to €150/year, and its Zusatzbeitrag actually decreased from 2.69% to 2.59% year-over-year while most competitors raised theirs. Cost-conscious students who don't need English-first support get excellent value.
Visit hkk.de/mitglied-werden to start the online enrollment process. You'll need proof of university enrollment (Immatrikulationsbescheinigung), a passport or national ID, and your German registration (Anmeldung) address. Enrollment must be completed within the first 3 months of your German university enrollment. Note: the process is primarily in German, so non-German speakers may want to have a German-speaking friend or advisor help.
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प्रदाता की आधिकारिक वेबसाइट पर hkk Krankenkasse छात्र स्वास्थ्य बीमा की नवीनतम शर्तें और कीमतें देखें।