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    Choose your health insurer with confidence

    How much money do you leave with your health fund every year?

    The lowest contribution is only half the answer. Find out what you could save, which bonus is realistic and which benefits fit your everyday needs.

    Check my insurance advantageFree · no contact details
    See the result before applyingCost, bonus and benefits kept separateYou remain in control

    Your comparison

    What genuinely matters to you?

    1. 01Cost
    2. 02Bonus
    3. 03Benefits

    Weigh it up. Understand it. Decide with confidence.

    What matters to you?

    The cheapest insurer is not automatically the best for you.

    Choose where to start. KassenBoost still shows contributions, an achievable bonus and relevant benefits together, while keeping them clearly separate.

    Illustrative IKK bonus calculationHow much could you reach?EUR 1,155Documented 2026 maximumEarmarked · with eligible costs you actually incurCheck my insurance advantageEUR 385 cash bonus × 3, including 12 accepted maternity check-ups and further activities in the same bonus year. Not a typical value; choose cash or subsidy, not both. Subsidy is capped at eligible costs actually incurred.

    Use a bonus

    Which bonus can you realistically achieve?

    An advertised maximum is not useful on its own. What matters is which activities you already do or can reliably complete.

    • Select preventive care, vaccinations and activity realistically
    • Keep cash bonuses and earmarked credits separate
    • Explain deadlines, evidence and programme duration

    What matters

    Your achievable bonus, not an advertising maximum

    We only calculate with information that fits you. The actual bonus always depends on the insurer, its conditions and verified activities.

    Start the comparison on KassenBoost

    Bonuses without performance pressure

    You do not need to be a competitive athlete.

    Many bonus programmes also recognise ordinary health routines. You only select what genuinely applies to you.

    • Preventive check-ups
    • Recommended vaccinations
    • Dental check-ups
    • Check-ups for children and during pregnancy
    • Health courses or regular activity

    Good to know

    Each insurer sets its own rules for eligible activities, evidence and whether it pays cash or an earmarked reimbursement.

    Take your advantage further

    Keep it – or put it towards better cover.

    Your savings and bonus are yours first. If you choose, they may offset some or all of the premium for suitable supplementary cover.

    Frequently asked questions

    Short and clear answers.

    Do I need to switch before seeing the comparison?

    No. You see your result first and then decide whether you want to start an application.

    Is the cheapest insurer always recommended?

    No. The cheapest suitable insurer is a clear price anchor. We also show alternatives when bonus, benefits, reputation or service matter more to you.

    Is the displayed bonus guaranteed?

    No. Bonus payments depend on the insurer's rules and the activities you actually complete and document. A responsible result distinguishes between a possible and a realistically achievable bonus.

    Can a health insurance bonus pay for supplementary cover?

    Depending on the achievable bonus and premium, this may be possible in part or in full. It is not guaranteed. Cash bonuses and earmarked reimbursements must be considered separately.

    Does the comparison work for families?

    Yes. Income, insurance status, children and personal circumstances belong in the calculation because they can affect contributions, long-term care insurance and eligible bonus activities.

    Ready to compare?

    Find out which German health insurer genuinely gives you more.

    Switching is easier than you may think: see your result first and decide afterwards. Your statutory cover remains in place.

    • Result before applying
    • Start without contact details
    • You remain in control
    Check my insurance advantage

    Free on KassenBoost, in German.

    Compare first. Then decide for yourself.