HEK — Hanseatische Krankenkasse
HEK — 한자 공제조합
전국 보험사의 평균 이하 보충료율 — 비용 의식이 있는 학생들을 위한 좋은 가치
✓비자 충족
최종 업데이트: April 16, 2026
보장 내용
혜택 및 보장 세부사항.
포함
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
미보장
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
다른 GKV 보험사
AOK 독일 공적 건강보험Audi BKK 공공 의료 보험Bahn-BKK 법정 건강보험BARMER — 의료 보험BIG direkt gesund — 학생 중심 디지털 건강보험DAK-Gesundheit 공립 의료보험hkk 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
HEK — 한자 공제조합에 대한 자주 묻는 질문
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.
보험에 가입할 준비가 되셨나요?
제공업체 공식 웹사이트에서 HEK — 한자 공제조합의 최신 약관과 가격을 확인하세요.