Which German statutory health insurance company is the best?

People regularly use comparison websites to look at different options and consider switching energy providers, car insurance or cell phone networks, but when it comes to statutory health insurance, most customers in Germany remain loyal, sometimes for decades. But, according to a new study, sometimes making a change could not only save you money, but also give you better service.

How does your coverage compare?

How do statutory health insurance companies in Germany compare in terms of costs, additional services and coverage? In order to better equip people considering switching providers, the German Institute for Service Quality and ntv set out to rank some of Germany’s largest health insurers.

The 21 compulsory health insurance funds with the most members were analyzed in terms of benefits, conditions and service. The testers contacted the companies via email, phone, and their websites to assess their service quality, then compiled various metrics on their additional contribution rates, additional services, and optional rates to calculate a final score. out of 100.

Many health insurers go beyond

Overall, 19 vendors were rated “good”, while two were rated “very good”. The German Institute for Service Quality noted that “especially in health promotion and preventive care, many health insurance companies shine with extensive additional services that go beyond the legal framework”.

They also found a significant variation in costs: in addition to the general contribution rate of 14.6%, all health insurers included in the study charge an additional contribution of between 0.69 and 1.7%. Although this seems like a minor difference, the study authors noted that it can add up to a substantial sum over time. For a gross monthly salary of 3,500 euros, switching from the most expensive insurer to the cheapest insurer could save 212 euros per year.

Another potential saving factor was that all insurance companies offered some sort of bonus program on top of their healthcare services, which in some cases resulted in cash bonuses of up to 325 euros per year. . Others have given the possibility of additional tariffs which could lead to cost reductions via the reimbursement of contributions.

The best public health insurance companies in Germany

So, considering all these factors, what are the gate scores? VIACTIV emerged as the big winner with a score of 84.9, thanks to its complete offer of complementary services such as osteopathy and dental care. The authors of the study note that the advantages and conditions of this VIACTIV make it particularly attractive for single people and couples without families.

Second place went to SBK Siemens (80.0), which proved to offer the best customer service overall, with emails answered quickly and short wait times for phone calls. AOK Saxony-Anhalt took third place with an overall score of 79.8, thanks to their good score in the conditions category and their low additional contribution rate of 0.8%.

The overall standings were as follows:

  1. VIACTIV Krankenkasse – 84.9
  2. SBK Siemens-Betriebskrankenkasse – 80.0
  3. AOK Saxony-Anhalt – 79.8
  4. hkk Krankenkasse – 79.7
  5. AOK Plus – 79.6
  6. Technicians Krankenkasse – 79.0
  7. IKK Classic – 78.8
  8. Mobil Krankenkasse – 78.3
  9. AOK Bayern – 78.2
  10. DAK-Gesundheit – 77.4
  11. AOK Baden-Württemberg – 76.9
  12. Barmer- 76.8
  13. AOK Rheinland-Pfalz / Saarland – 76.3
  14. KKH Kaufmannische Krankenkasse – 75.7
  15. Audi BKK-75.5
  16. AOK North West – 74.8
  17. AOK Lower Saxony – 74.7
  18. AOK Nordost – 74.1
  19. AOK Rheinland / Hamburg – 72.0
  20. Knappschaft – 71.4
  21. AOK Hesse – 71.2

Are you thinking of changing health insurance?

If you are considering changing health insurance, you must have been with your previous provider for at least 12 months. It is then simply a matter of taking out a policy with a new provider and informing your old provider. Sometimes the new health insurance company will take care of this whole process for you.

Before making the switch, however, the Institute for Service Quality recommends carefully considering your own health care preferences and needs to ensure you have the best combination of benefits, costs, and service.

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Justin D. O'Neill