DAK-Gesundheit

DAK costs €145.52/month for students under 23 (or with children) and €150.65/month for students 23+ without children. Breakdown: €87.38 base health insurance + €27.36 Zusatzbeitrag (3.20%) + €30.78 nursing care (or €35.91 if childless and 23+). However, the DAK 120 guarantee refunds €120/year, reducing the effective cost by €10/month.

DAK has a higher Zusatzbeitrag (3.20% vs. TK's 2.69%), adding roughly €4.36/month. However, DAK offers the unique €120/year student guarantee bonus, osteopathy coverage (€120/year), and dental cleaning subsidies that can offset the price difference depending on your usage.

DAK's English support is very limited. Most staff and resources are German-speaking. They do have some English content on their website, but no dedicated English hotline. If English-language service is important, TK or BARMER are better choices for international students.

DAK stands out with: €120/year student guarantee bonus (AktivBonus), osteopathy coverage (up to €120/year), professional dental cleaning subsidies, extended vaccination programs, and alternative medicine coverage (homeopathy, acupuncture). The AktivBonus rewards preventive care with up to €150/year.

Yes, if you are under 30, enrolled in a degree program at a German university, and sign up within 3 months of enrollment. However, due to limited English support, most international students prefer TK or BARMER.