KKH — Kaufmännische Krankenkasse
KKH — Kaufmännische Krankenkasse
Dedicated English student hotline and English-language website — premium service for international students
✓ Visa Compliant
Last updated: April 16, 2026
What's Covered
Benefits and coverage details.
Included
Dedicated English-language student landing page at kkh.de/englisch/students — rare among GKV insurers
24/7 English student hotline (0800 5548640554) plus direct line +49 511 80684 9303
Email support in English via english@kkh.de — great for written documentation of complex cases
Full coverage including mental health, preventive care, and up to €150/year bonus program
1.46 million members — well-established nationwide Krankenkasse with solid infrastructure
Not Covered
Most expensive of the bundesweit-open options in our MVP at €150.48/month — about €10/month more than hkk
Zusatzbeitrag of 3.78% is among the higher rates in the market (vs. hkk 2.59%, TK 2.69%)
Digital services are competent but not as polished as TK-App (smaller English-language ecosystem)
Smaller member base (1.46M) than TK (12.3M) — less scale and fewer cooperative partnerships
FAQ
Frequently Asked Questions about KKH — Kaufmännische Krankenkasse
KKH costs €150.48/month for students under 23 (or with children). Students aged 23+ without children pay €155.61/month due to the additional nursing care surcharge. This breaks down as: €87.38 base health insurance + €32.32 Zusatzbeitrag (3.78%) + €30.78 nursing care (or €35.91 if childless and 23+). KKH is the most expensive bundesweit-open option in our comparison, but the English-first service is often worth it for non-German speakers.
Yes, KKH offers excellent English support — among the best of any German public health insurer. They run a dedicated English-language student landing page (kkh.de/englisch/students), a 24/7 English student hotline at 0800 5548640554, a direct English line at +49 511 80684 9303, and email support in English via english@kkh.de. This makes KKH a top choice for international students who don't speak German comfortably.
KKH is attractive for international students primarily because of its English-first service design. Unlike most Krankenkassen, KKH treats English-speaking students as a core audience — with a dedicated landing page, 24/7 English hotline, and email support in English. It's the only bundesweit-open Krankenkasse alongside TK with a genuinely English-first student journey. The trade-off is a slightly higher price (€150.48/month vs. €140.30 at hkk).
Visit kkh.de/englisch/students for the English-language enrollment flow, or call the 24/7 English hotline at 0800 5548640554 for guided signup. You'll need proof of university enrollment (Immatrikulationsbescheinigung), passport, and German Anmeldung address. Enrollment must be completed within 3 months of university enrollment. KKH's English-language onboarding materials make this one of the easiest GKV enrollments for non-German speakers.
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