Study: Which Statutory Health Insurance Companies Are Best in terms of cost, added benefits and service?

Study: Which Statutory Health Insurance Companies Are Best in terms of cost, added benefits and service?

significant cost difference
Best Statutory Health Insurance Companies

Those who have statutory health insurance often remain loyal to their insurance company for decades. In some cases the cost, additional services and service vary greatly. This is shown by a current study of 21 statutory health insurance companies.

Benefits, Terms and Service – Statutory health insurance companies get a good overall result in a study by the German Institute for Service Quality on behalf of NTV. 19 out of 21 providers scored “Good”, with two achieving a “Very Good” quality rating. Comprehensive services often reassure: Many health insurance companies shine with comprehensive additional services that go beyond the legal framework, particularly in health promotion and preventive care.

Don’t neglect the cost aspect

In addition to the normal contribution rate of 14.6 percent, all health insurers charge an additional contribution fee. At the time of testing, it varied between 0.69 percent and 1.70 percent. It seems like a minor difference can add up to a hefty sum.

An example: With a monthly gross salary of 3500 Euro, a good 212 Euro can be saved annually if the insured chooses the most expensive option Switch to the cheapest health insurance company, Also interesting: all health insurance companies offer at least one bonus program that, in addition to health services, sometimes promises cash bonuses – up to 325 euros per year in a maximum case. Optional charges can lead to cost reduction in individual cases, for example through reimbursement of contributions.

service improvement


In addition to the normal contribution rate of 14.6 percent, all health insurers charge an additional contribution fee.

(Photo: Imago Images/Christian Ohde)

Health insurance companies reassure you with friendly and mostly accurate information with hotlines as well as e-mail inquiries. However, the individual needs of the interested parties are often not adequately taken into account. Another drawback: (also) long waits and processing times.

Overall, the online service is good and an app for the insured persons is also part of what all health insurance companies offer. Markus Hammer, managing director of the German Institute for Service Quality, advises: “Anyone considering changing health insurance companies should keep an eye on their preferences and needs when it comes to the various additional services offered by health insurance companies. Ultimately though, the overall package of services, cost and solid service.”

Ranking of best health insurance companies

Wayactive Health Insurance The test emerges as the winner, with a quality rating of “Very Good” from the study. The health insurer provides by far the most comprehensive (additional) services, for example in the areas of osteopathy and dental care. Health insurance is particularly attractive to single and childless couples in terms of benefits and terms. Among other things, the online service with personalized and complete e-mail processing as well as a website that includes a lot of subject-relevant material and contact information is convincing when it comes to service.

goes to second place SBK-Siemens Company Health Insurance Fund (Quality Rating: “Very Good”), providing the best service overall. E-mails are answered very quickly, in a friendly manner and as needed. The test involves only a short waiting time over the phone and the interested parties receive understandable and always accurate information. In addition, SBK provides a very wide range of services in the area of ​​pension provision and comparatively good conditions.

is in third place AOK Saxony-Anhalt With quality rating “Good”. The regional health insurance company offers the second best overall, with a low additional contribution of 0.80 percent. Over the phone, consultants score comparatively quick call acceptance and with mostly complete information – the website provides a lot of topic-specific information.

Which are the cheapest health insurance companies? read here,

(This article was first published on Wednesday, June 15, 2022.)

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