hkk Krankenkasse
hkk Krankenkasse — студенческое медицинское страхование
Одна из дешевых общегосударственных медицинских касс в Германии — отличная программа бонусов
✓Соответствует визе
Последнее обновление: April 16, 2026
Что покрывается
Детали льгот и покрытия.
Включено
One of the cheapest bundesweit-open Krankenkassen in 2026 at €140.30/month (under 23 or with children)
Zusatzbeitrag dropped from 2.69% (2025) to 2.59% (2026) — bucking the industry trend of increases
Up to €150/year available through the hkk bonusaktiv bonus program — accessible to students
Bundesweit geöffnet — open to students anywhere in Germany, not regionally restricted
Solid digital services including hkk-App, Online-Geschäftsstelle, ePA, and Videosprechstunden
Не покрывается
Minimal English support — website and hotlines are primarily German
Smaller member base (1.0M) compared to TK (12.3M) — less scale and brand recognition
No dedicated English-language student landing page or onboarding materials
Digital services are solid but not industry-leading (no English TK-Doc equivalent, no advanced fitness integrations)
Другие страховщики GKV
AOK — государственное медицинское страхованиеAudi BKK — государственное медицинское страхованиеBahn-BKK — обязательное медицинское страхованиеBARMER — медицинское страхованиеBIG direkt gesund — цифровое медицинское страхование для студентовDAK-Gesundheit — государственное страхование здоровьяHEK — Ганзейская больничная кассаIKK classic — базовое медицинское страхованиеKKH — студенческое страхование с английской поддержкойmhplus BKK — студенческое медицинское страхованиеmkk — моя медицинская страховкаMobil Krankenkasse — государственное медицинское страхованиеSBK — Siemens-Betriebskrankenkasse (премиум-поддержка на английском)Techniker Krankenkasse (TK) — студенческое медицинское страхование
FAQ
Часто задаваемые вопросы о hkk Krankenkasse — студенческое медицинское страхование
hkk costs €140.30/month for students under 23 (or with children). Students aged 23+ without children pay €145.43/month due to the additional nursing care surcharge. This breaks down as: €87.38 base health insurance + €22.14 Zusatzbeitrag (2.59%) + €30.78 nursing care (or €35.91 if childless and 23+). hkk is among the cheapest bundesweit-open public health insurers in 2026.
hkk's English support is minimal. The website is primarily in German, and there is no dedicated English-language hotline. International students who do not speak German comfortably should consider TK or KKH, which offer dedicated English-language student services. hkk is best suited for German-speaking students or those confident using translation tools.
hkk is attractive for students primarily because of its low price — one of the cheapest bundesweit-open Krankenkassen in 2026 at €140.30/month. It also offers a strong bonus program (hkk bonusaktiv) worth up to €150/year, and its Zusatzbeitrag actually decreased from 2.69% to 2.59% year-over-year while most competitors raised theirs. Cost-conscious students who don't need English-first support get excellent value.
Visit hkk.de/mitglied-werden to start the online enrollment process. You'll need proof of university enrollment (Immatrikulationsbescheinigung), a passport or national ID, and your German registration (Anmeldung) address. Enrollment must be completed within the first 3 months of your German university enrollment. Note: the process is primarily in German, so non-German speakers may want to have a German-speaking friend or advisor help.
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