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    KassenBoost × Healio

    Your bonus can do more for your health.

    With or without a KassenBoost check: find supplementary cover that suits you. Your health fund bonus may offset some or all of the premium. Up to 100% is possible when the bonus and policy match.

    Choose your coverExplore yourself · Advice if you want it

    In three sentences

    1. 01

      What does KassenBoost do?

      KassenBoost shows you, free and without contact details, which health fund gives you more in contributions, bonus and benefits.

    2. 02

      What does Healio do?

      Healio advises you on suitable outpatient, dental or hospital cover and checks whether your fund bonus can offset part of the premium.

    3. 03

      What do I pay and handle myself?

      You pay the insurance premium yourself. You apply for the bonus or subsidy at your health fund with your own proof.

    How your fund bonus works

    How your bonus can offset the premium.

    You pay the insurance premium yourself. Your health fund pays the earned cash bonus or reimburses an earmarked subsidy under its rules. There is no automatic offset against the insurance premium.

    Verified example, IKK classic, bonus year 2026

    Suppose you earn 100 EUR in cash or, alternatively, a 300 EUR earmarked subsidy. At an assumed premium of 25 EUR per month, your cover costs 300 EUR a year. The cash bonus offsets 100 EUR, leaving you to pay 200 EUR. The subsidy may offset the full 300 EUR if your premium is eligible and you provide proof of costs.

    Illustration only, not a policy offer or guaranteed bonus. Cash and subsidy are alternatives and cannot be added together. Activities, eligible costs and conditions depend on the fund and bonus year; reimbursement cannot exceed proven expenses.

    IKK classic bonus programme terms

    Your next step

    How would you like to continue?

    Both are free. You can compare first and ask for advice later.

    Compare yourself

    Compare health funds on KassenBoost: contributions, bonus and benefits separately, no contact details.

    Go to the KassenBoost comparison

    External website. Comparison data is not transferred to Healio.

    Get personal advice

    45 minutes via Google Meet. We run the numbers with you on which cover fits and how much your bonus can offset.

    Pick a time

    What the bonus is good for

    What would you like to cover?

    Choose the area that matters to you. Explore benefits and policies directly – no appointment needed.

    Outpatient

    Naturopathy, osteopathy, glasses and prevention. Up to 3,000 EUR in policy benefits over 2 years may be available under a suitable outpatient policy; scope and reimbursement depend on its terms.

    Explore outpatient cover

    Dental

    Make out-of-pocket costs for treatment and dentures more plannable and understand conditions before signing.

    Explore dental cover

    Hospital

    More choice of doctor, clinic and room, if that freedom matters to you.

    Explore hospital cover
    Understand supplementary cover at Healio

    Your comparison data stays with KassenBoost.

    No automatic data transfer to Healio. You decide what to share for advice.

    Which details stay separate?
    • No health fund and no comparison result
    • No region, no income and no personal preferences
    • No health details and no decision for or against an offer

    Questions before you decide

    Do I have to switch health funds?

    No. You can choose supplementary cover while staying with your current health fund. Any bonus or subsidy depends on its programme and your documented activities.

    What if my bonus is less than the premium?

    You pay the remaining amount yourself. You owe the insurer the full premium regardless of any bonus. Bonuses are not guaranteed and are not automatically offset against insurance premiums.

    What do KassenBoost and Healio each do?

    KassenBoost provides the health fund comparison. Healio is the brokerage behind it and advises on and brokers supplementary insurance. Advice and brokerage are free for you; if you sign a policy, the insurer pays Healio a commission. The comparison and its ranking remain separate.

    Does Healio receive my comparison details?

    No, details from the KassenBoost comparison are not transferred to Healio automatically. You decide what to share for advice. Employers do not receive individual comparison entries, results or decisions.

    Optional advice

    Still unsure? Let’s run the numbers.

    If you would like support: 45 minutes, Google Meet, free and without obligation. Bring a KassenBoost result if you have one – no previous check is required.

    • Advice and brokerage are free for you. If you sign a policy, the insurer pays Healio a commission.
    • The KassenBoost comparison stays separate. No ranking there is influenced by commission.
    • You decide freely. No call obliges you to anything.

    Appointment booking after your approval

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    KassenBoost at work

    Access for employees. No insight for the employer.

    Employers can offer KassenBoost voluntarily as orientation. Individual entries, results and decisions stay private. Healio designs company benefits separately from that.

    To the employer concept