Bahn-BKK
Bahn-BKK 법정 건강보험
탄탄한 서비스 네트워크를 갖춘 전국 규모의 보험사 — 원래 독일철도 직원용이었으나 이제 모두에게 개방됨
✓비자 충족
최종 업데이트: April 16, 2026
보장 내용
혜택 및 보장 세부사항.
포함
Long-established insurer with history going back to 1909 — experienced and stable
Nationwide service network with regional service centers
Solid digital services via the Bahn-BKK App
Open to the general public — anyone can join, not just Deutsche Bahn employees
Bonus program rewards preventive behavior with up to €150/year
미보장
Supplementary contribution of 3.65% — above the market average of around 2.9%
€149.37/month is about €8.21 more than TK (€141.16) for students under 23
Minimal English support — website and service are German-only
Less well-known internationally than TK, AOK, or BARMER
다른 GKV 보험사
AOK 독일 공적 건강보험Audi BKK 공공 의료 보험BARMER — 의료 보험BIG direkt gesund — 학생 중심 디지털 건강보험DAK-Gesundheit 공립 의료보험HEK — 한자 공제조합hkk Krankenkasse 학생 건강보험IKK classic 기본 의료보험KKH — 영어 지원 학생 보험mhplus BKK 학생 건강보험mkk — 내 건강보험Mobil Krankenkasse — 공적 의료보험SBK — Siemens-Betriebskrankenkasse (프리미엄 영어 지원)Techniker Krankenkasse (TK) — 학생 건강 보험
FAQ
Bahn-BKK 법정 건강보험에 대한 자주 묻는 질문
Bahn-BKK costs €149.37/month for students under 23 (or with children) and €154.50/month for students aged 23+ without children. Breakdown: €87.38 base health insurance + €31.21 supplementary contribution (3.65%) + €30.78 long-term care insurance (or €35.91 if childless and 23+).
Yes. Although Bahn-BKK was originally founded for Deutsche Bahn employees, it is now open to the general public. Anyone in Germany — including international students at any university — can become a member.
Bahn-BKK operates almost exclusively in German. There is minimal English content and no dedicated English hotline. International students who need English service are better served by TK, BARMER, or SBK.
Yes, if you are under 30 and enrolled in a degree program at a German university. Enrollment must happen within 3 months of university enrollment. Language course and Studienkolleg students are not eligible for GKV and need private student insurance instead.
보험에 가입할 준비가 되셨나요?
제공업체 공식 웹사이트에서 Bahn-BKK 법정 건강보험의 최신 약관과 가격을 확인하세요.