DAK-Gesundheitvs.KKH — Kaufmännische Krankenkasse

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.

KKH costs €150.48/month for students under 23 (or with children). Students aged 23+ without children pay €155.61/month due to the additional nursing care surcharge. This breaks down as: €87.38 base health insurance + €32.32 Zusatzbeitrag (3.78%) + €30.78 nursing care (or €35.91 if childless and 23+). KKH is the most expensive bundesweit-open option in our comparison, but the English-first service is often worth it for non-German speakers.

Yes, KKH offers excellent English support — among the best of any German public health insurer. They run a dedicated English-language student landing page (kkh.de/englisch/students), a 24/7 English student hotline at 0800 5548640554, a direct English line at +49 511 80684 9303, and email support in English via english@kkh.de. This makes KKH a top choice for international students who don't speak German comfortably.

KKH is attractive for international students primarily because of its English-first service design. Unlike most Krankenkassen, KKH treats English-speaking students as a core audience — with a dedicated landing page, 24/7 English hotline, and email support in English. It's the only bundesweit-open Krankenkasse alongside TK with a genuinely English-first student journey. The trade-off is a slightly higher price (€150.48/month vs. €140.30 at hkk).