保障内容
保障与福利详情。
已涵盖
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
不涵盖
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
常见问题
关于 Bahn-BKK 法定医疗保险 的常见问题
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.
准备好投保了吗？
在服务商官方网站查看 Bahn-BKK 法定医疗保险 的最新条款和价格。