These two health insurance companies are now significantly adjusting the additional contribution

For October 1st

Health insurance companies significantly reduce additional contributions

With the BKK Herkules, a fund reduces its additional contribution. There is also an adjustment at the turn of the month for another cash register.

While the focus is currently on increasing contributions and the abolition of the obligation of health insurance companies to inform their insured persons in this case, the BKK Herkules is reducing its additional contribution – significantly.

The additional contribution should only be 3.48 percent from October 1st of this year. It is currently 0.9 percentage points higher at 4.38 percent. The health insurance company announces this on its homepage. According to BKK Herkules, the service catalog remains unchanged.

In October 2025, the small company health insurance company based in kassel their additional contribution recently increased – also by 0.9 percentage points. This means that BKK Herkules has been the most expensive among the regional health insurance companies in recent months. Even among the nationwide health insurance companies, only the BKK24 was more expensive with an additional contribution of 4.39 percent. At 3.48 percent, BKK Herkules is now in the midfield in terms of costs.

For the approximately 100,000 insured people of IKK Brandenburg and Berlin The additional contribution will also decrease on October 1st. The background is the merger of the health insurance company with IKK Gesund Plus. Instead of the previous 4.35 percent, from October onwards they will pay the contribution rate of their merger partner, which is currently 3.39 percent.

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The additional contribution is determined by the health insurance companies themselves. If their expenses are higher than their income, they have to make up the deficit with a higher additional contribution. If income exceeds expenses and the health insurance company has sufficient financial reserves, the additional contribution is reduced.

The differences between the individual health insurance companies are large. While at the top an additional contribution of 4.39 percent is charged, the currently cheapest health insurance company, BKK Firmus, charges 2.18 percent.

If the additional contribution is usually adjusted at the turn of the year, the health insurance companies can also operate during the year. The IKK Classic recently increased its additional contribution by 0.45 percentage points to 3.85 percent on August 1st. IKK Südzucker also increased its additional contribution by 0.6 percentage points to 3.5 percent on August 1st.

If health insurance companies increase their additional contributions, the insured persons have a special right of termination. The otherwise usual commitment period of twelve months no longer applies; the insured can look for another health insurance company. However, the termination or change must take place no later than the end of the month in which the higher additional contribution was charged for the first time.