HEK — Hanseatische Krankenkasse
HEK — Hanseatische Krankenkasse
Below-average supplementary rate at a nationwide insurer — good value for cost-conscious students
✓Visa Compliant
Last updated: April 16, 2026
What's Covered
Benefits and coverage details.
Included
Supplementary contribution of just 2.89% — below the market average of around 2.9% and close to TK
Total of €142.87/month is only about €1.71 more than TK (€141.16)
Nationwide and fully open to the public
Straightforward online enrollment and a solid HEK-App
Bonus program rewards preventive behavior with up to €150/year
Not Covered
Limited English support — primarily German-speaking staff and materials
Fewer branch offices than AOK or TK
Smaller digital ecosystem than TK or BARMER
Brand less well-known internationally than TK, AOK or BARMER
FAQ
Frequently Asked Questions about HEK — Hanseatische Krankenkasse
HEK costs €142.87/month for students under 23 (or with children) and €148.00/month for students aged 23+ without children. Breakdown: €87.38 base health insurance + €24.71 supplementary contribution (2.89%) + €30.78 long-term care insurance (or €35.91 if childless and 23+).
Not quite — TK's supplementary rate is 2.69% vs. HEK's 2.89%, so TK is €1.71/month cheaper (€141.16 vs. €142.87 for students under 23). HEK is still well below average and among the more affordable nationwide public insurers in 2026.
HEK's English support is limited — the primary language is German. There is no dedicated English hotline. If English support is essential, TK, BARMER, or SBK are better suited. For students with German skills, HEK's low supplementary rate makes it attractive.
Yes, if you are under 30 and enrolled in a degree program at a German university. You must sign up within 3 months of enrollment, and enrollment is available online. Language course and Studienkolleg students are not eligible for GKV.
Ready to Get Insured?
Check the latest terms and prices for HEK — Hanseatische Krankenkasse on the provider's official website.