Choose your health insurer with confidence

Which health insurer genuinely gives you more?

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?

01CostWhat do you actually pay?
02BonusWhat can you realistically earn?
03BenefitsWhat helps in everyday life?

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

Preventive check-upsRecommended vaccinationsDental check-upsCheck-ups for children and during pregnancy

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.

Outpatient 100

Outpatient

Up to EUR 3,000 health budget over 2 years

For example for naturopathy, glasses and preventive care under Outpatient 100.

For insured benefits; policy and bonus conditions apply.

View outpatient cover

Dental Immediate

Dental

An immediate subsidy of up to EUR 1,500 may be possible

Subject to the conditions, cover may also apply to treatment already recommended or started, provided it has not been completed or invoiced.

Up to EUR 750 per calendar year for no more than 24 months; only available when taking out new cover.

View dental cover

For expectant parents

Hospital

Two months to arrange cover for your baby

If one parent is insured under the hospital policy at birth, the child may be covered retrospectively from birth.

Registration within two months, without medical underwriting; policy conditions apply.

View hospital 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?