DAK-Gesundheit

DAK costs €145.52/month for students under 23 (or with children) and €150.65/month for students 23+ without children. Breakdown: €87.38 base health insurance + €27.36 Zusatzbeitrag (3.20%) + €30.78 nursing care (or €35.91 if childless and 23+). The DAK AktivBonus can pay back money for preventive behavior — no upper cash cap.

DAK has a higher Zusatzbeitrag (3.20% vs. TK's 2.69%), adding roughly €4.36/month. However, DAK offers an uncapped AktivBonus, osteopathy subsidies, alternative medicine coverage, and dental cleaning reimbursements that can offset the price difference depending on your usage.

DAK's English support is very limited. Most staff and resources are German-speaking. They do have some English content on their website, but no dedicated English hotline. If English-language service is important, TK or BARMER are better choices for international students.

DAK stands out with: AktivBonus without a cash cap (1 point = €1), osteopathy subsidies, professional dental cleaning subsidies, extended vaccination programs, and alternative medicine coverage (homeopathy, acupuncture). Sport and fitness gear earns a +100% bonus, up to €500/year.

Yes, if you are under 30, enrolled in a degree program at a German university, and sign up within 3 months of enrollment. However, due to limited English support, most international students prefer TK or BARMER.