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 one of the pricier nationwide-open options in our comparison, but the English-first service is often worth it for non-German speakers.

Yes, KKH offers extensive English support: an English-language student page (kkh.de/englisch/students), an English-speaking hotline at +49 511 80684 9303 (weekdays 9 am–3 pm) and an English e-mail service (english@kkh.de). This makes KKH a good option for international students who don't speak German comfortably.

KKH is attractive for international students primarily because of its English-language service: it addresses English-speaking students directly with an English student page, an English-speaking hotline and an English e-mail service. The trade-off is a higher price (€150.48/month vs. €140.30 at hkk).

Visit kkh.de/englisch/students for English-language information and sign-up, or call the English-speaking hotline at +49 511 80684 9303 (weekdays 9 am–3 pm). 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 materials make enrollment easier for non-German speakers.