Statutory Health Insurance (GKV) 2025: How to Save Despite Rising Surcharges
In 2025, Germany’s statutory health insurance (GKV) faces yet another financial challenge: most funds have increased their supplemental contribution rates. But don’t worry—smart comparison and timely action can still save you real money. In this article, we’ll show you how—and introduce three particularly attractive funds for 2025: BKK Firmus, hkk, and TK.
Why Supplemental Contributions Are Rising in 2025
Higher healthcare costs, medical advances, and growing treatment demand are driving GKV expenses upward. The Federal Ministry of Health has set the average supplemental contribution at 2.5 % for 2025—a historic high.
What This Means for You
Higher monthly premiums: for employees, families, and the self-employed, extra surcharges can amount to hundreds of euros per year. That makes a health-insurance comparison a key money-saving tool.
How to Save Even as Rates Go Up
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Switch Your Fund – Easier Than You Think
Recent reforms let you change your GKV online—no paperwork required. Your new fund handles cancellation; you just sign up digitally. -
Compare Benefits, Not Just Price
Look beyond contribution rates. Additional services—osteopathy, professional teeth cleaning, travel vaccinations—can offset higher premiums. -
Use Extras & Bonus Programs
Many funds offer subsidies for fitness courses, digital health apps, and bonuses for healthy behavior. These perks often outweigh small rate differences.
Top 3 Funds for 2025
| Fund | 2025 Supplemental Rate | Key Benefits |
|---|---|---|
| BKK Firmus | 1.84 % | Nationwide access, modern app & portal, prevention bonuses |
| hkk | 2.19 % | High reimbursement for health courses, digital services |
| TK | 2.45 % | 11 M+ members, top rankings, family & travel benefits |
Why Switching Pays Off
Even a 0.66 pp difference saves big: on a €4 000 gross salary, switching to BKK Firmus over BARMER saves roughly €696 annually (employee + employer share).
Quick Guide: How to Switch
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Choose your preferred fund.
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Click the online membership link.
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Fill out the digital form—done!
No notice required; your new fund notifies the old one. If your old fund raises its rate, you gain a special-cancellation right and can switch immediately.
FAQs
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When can I switch?
After 12 months—or immediately if your fund raises its surcharge. -
Do I need to cancel myself?
No—the new fund handles cancellation. -
Is price the only difference?
No—services, digital tools, and bonus programs vary, though core benefits are identical. -
Can the self-employed switch?
Yes—everyone in the GKV can choose freely. -
How long does it take?
Online sign-up takes minutes; confirmation follows in days. -
Is switching free?
Yes—no fees apply.
Conclusion
GKV contributions rise again in 2025, but by switching to a low-rate fund like BKK Firmus, hkk, or TK, you can save hundreds of euros and enjoy great benefits. The process is simple, digital, and well worth it—act now to keep more money in your pocket.
