In contrast, there are several comparatively expensive health insurance companies with additional contributions of four percent and more. In total, over two million members are insured there – more than ever before. These include BKK24 (4.39 percent), BKK Herkules (4.38 percent), BKK Werra-Meissner (4.35 percent), IKK Brandenburg and Berlin (4.35 percent), IKK – the Innovation Fund (4.3 percent), the Knappschaft (4.3 percent) and Viactiv (4.19 percent).
A calculation example from the “Finanztip” comparison shows how high the savings potential actually is: An average earner with a gross annual income of 55,000 euros saves a net 262 euros per year (employee share) when switching from an expensive health insurance fund with an additional four percent contribution to the hkk. With an annual income of 69,750 euros it is 312 euros, with an annual income of 40,000 euros it is 202 euros.
Anyone with an income at the contribution assessment limit of 69,750 euros who switches to the cheapest fund in comparison, the BKK Firmus, even has more than 400 euros additionally available per year. “Finanztip” calculated these amounts for a non-religious, childless person in tax class I.
A comparison at the turn of the year is particularly useful. If a health insurance company increases its additional contribution, insured persons have a special right of termination. You can then switch to a cheaper health insurance company regardless of the regular commitment period.
The timing is important: The termination must be received by the previous health insurance company no later than the end of the month in which the new additional contribution is charged for the first time. If you act in good time, you can save noticeably from January onwards – year after year.
