You decide what is loaded.

Analytics and external services start only after your consent. Our selection tools stay local and work without optional services. Privacy

    Woman using her smartphone to learn about her digital health budget

    Outpatient supplementary insurance

    Up to EUR 3,000 for what keeps you well.

    Alternative medicine, osteopathy, glasses and preventive care: find the cover that turns out-of-pocket costs into a real health budget.

    Up to 100% of the premium may be offset
    No general waiting period
    Up to 100% reimbursement
    Check budget & premium

    One-minute orientation · see your personal premium in the tariff calculator afterwards. German form.

    Your budget compass

    What are you still paying for yourself?

    Choose your main priority and see what matters when comparing plans.

    What we compare for you

    Alternative medicine & osteopathy

    Your comparison gets a clear focus.

    • Reimbursement for natural treatments
    • Available sub-budget
    • Billing under the policy terms

    You are not committing yet. The calculator lets you compare every tier and your personal premium.

    Your level of cover

    Not everyone needs 100%. Everyone should see the difference.

    Compare more than the total. See how each tier divides its budget across four benefit pots.

    Ambulant 100 · AP1

    €3,000

    Health budget over 2 years

    100 %Reimbursement

    Published SDK orientation value

    €44.13 / month

    How your budget is allocated

    Four separate benefit pots · each subject to the policy terms

    Vision aids

    Glasses & contact lenses

    €500

    Natural therapies

    Alternative medicine & osteopathy

    €1,000

    Prevention

    Additional screening

    €500

    Co-payments

    Statutory out-of-pocket shares

    €1,000
    Calculate budget & premium

    See your personal premium in the calculator

    Published orientation values do not replace a personal quote. Your premium depends in particular on entry age, health information and the selected tariff.

    The values are tariff maximums over two years. Policy start, insured benefits, reimbursement limits and current terms apply.

    Up to 100%

    of the premium may be offset.

    Then comes KassenBoost

    Get your premium back.

    Your statutory insurer bonus may offset up to 100% of your effective premium. KassenBoost compares contribution, achievable bonus and benefits separately.

    Compare contributionCalculate a realistic bonusSee benefits separately

    Your personal result depends on your insurer, activities, selected tariff and eligible costs. We calculate it transparently.

    Find the insurer that fits the tariff
    A concrete bonus exampleHow far could your bonus go?

    This model reflects the IKK classic bonus programme and is not a preselection. KassenBoost then compares which statutory insurer fits your plan and routine.

    What applies to you?

    A realistic example is preselected. Adjust it to the activities you can actually document.

    Vaccination
    Per covered, completed immunisation
    0max. 8
    0 € cash bonus0 € subsidy
    Dental checkup
    One check per half-year, from age 6
    2max. 2
    2×10 € cash bonus30 € subsidy
    Dental screening Z1–Z6
    Age 6 to 72 months, per appointment
    0max. 6
    0 € cash bonus0 € subsidy
    Maternity checkup
    Per statutory pregnancy examination
    0max. 12
    0 € cash bonus0 € subsidy
    Child checkups (U1–U11)
    Per documented examination
    0max. 12
    0 € cash bonus0 € subsidy
    Youth checkups J1–J2
    Per documented examination
    0max. 2
    0 € cash bonus0 € subsidy
    Amblyopia screening (children)
    Two eligible age windows, per screening
    0max. 2
    0 € cash bonus0 € subsidy

    Submit proof digitally

    Bonus activities require proof accepted by IKK classic, such as confirmation in the app, a participation certificate or a stamp. For a subsidy towards an insurance premium, you also provide evidence of the insurance type, period and premium paid.

    Official IKK 2026 information sheet (April 2026)

    Bonus for Apple Watch & fitness devices

    A subsidy towards a fitness tracker or another device that records health status may also be available. Payment is limited to the documented cost and subject to the current bonus terms.

    Potential subsidy towards your premium:

    390 €

    Ambulant 100 (AP1) · published SDK orientation value EUR 44.13/month

    Your monthly premium:
    = Annual premium:529.56 €
    Subsidy potential earned:390 €
    Eligible for this premium:390 €
    Or as a freely usable cash bonus: 130 €

    Click on the premium to enter your individual amount (incl. risk surcharge).

    Your bottom line

    Your effective yearly cost139.56 €
    Your health budget in return (2 years)up to €3,000

    Example using the IKK classic bonus model. The subsidy is capped at the documented annual premium and subject to current bonus and tariff terms.

    You choose: a freely usable cash bonus or the threefold subsidy for documented eligible costs, such as the annual premium for supplementary insurance.Cash bonus and subsidy are alternatives and are not added together. The subsidy is capped at your documented eligible costs.

    Get quote – German formCompare statutory insurers with KassenBoost

    How you get your result

    Three steps. No insurance jargon.

    1

    Set your priority

    Tell us what you currently pay yourself.

    2

    See plan & premium

    The calculator shows the tiers for your age.

    3

    Optimise your bonus

    KassenBoost then checks which statutory insurer fits best financially.

    A simple statutory-insurer switch

    Switching is easier than you think.

    Supplementary cover and statutory insurance remain separate decisions. KassenBoost first shows whether switching improves contribution, achievable bonus and benefits for you.

    Check your switching advantage

    You decide. We explain.

    Healio is a registered insurance broker. We explain benefits, limits and cost before you decide and remain available afterwards.

    § 34d GewO SDK Produktpartner

    Healio AI help

    Still unsure? Ask Nita.

    Nita helps you make sense of natural treatment, vision, prevention and the four tariff tiers before you decide.

    The key questions before you decide.

    What is behind the EUR 3,000?
    EUR 3,000 is the potential two-year health budget in the strongest outpatient tier. Actual reimbursement depends on the chosen plan, eligible invoices and policy terms.
    Can my insurer bonus really offset 100% of the premium?
    Yes, up to 100% may be possible. Your insurer, verified activities, selected plan and eligible costs determine the result. KassenBoost compares your realistically achievable bonus with the premium.
    Do I have to switch statutory insurer?
    No. Supplementary cover and statutory insurance are separate decisions. Choose cover first, then use KassenBoost to check whether another insurer is a better financial match.
    Is there a waiting period?
    The displayed outpatient plans have no general waiting period. Cover applies to new insured events from the agreed start under the applicable terms.
    What happens after I open the calculator?
    You continue to the digital calculator of our product partner, enter your age, compare the tiers and see your personal premium before applying. The calculator is in German.
    How is the budget divided?
    Each tariff has four separate maximums for vision aids, natural therapies, prevention and statutory co-payments. The ledger shows the exact split; the policy terms remain decisive.
    Are alternative practitioners and osteopathy covered?
    Both are considered under the natural-therapies pot. Eligible treatments and invoice amounts depend on the selected tariff and policy terms.
    What applies to glasses and contact lenses?
    Each tariff has a separate vision-aid pot of EUR 200 to EUR 500 over two years. Insured services are reimbursed under the selected tariff.
    What does “effectively from EUR 0” mean?
    It is not a guaranteed tariff price. If your achievable statutory-insurer bonus reaches the eligible annual premium, your effective cost may fall to EUR 0. Insurer, activities, tariff and bonus terms determine the result.

    Your next step

    Turn out-of-pocket costs into a health budget.

    Compare budget and premium, then use KassenBoost to see whether your bonus may offset part or up to 100% of the premium.

    Calculate budget & premium
    Not sure yet? Get personal guidance