Additional Contribution to the Health Insurance 2024

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Zusatzbeitrag Krankenkassen

Good to know

  • Health insurance itself determines the amount of an additional contribution

Additional Contribution (Zusatzbeitrag) to the Statutory Health Insurance

Public Health Insurance can calculate an additional contribution to the health insurance contribution. Each Health insurance itself determines the amount of an additional contribution.

The general contribution rate for health insurance is 14.6 percent. Half of the insurance, 7.3 percent, is paid by you as an employee, and the other half, 7.3 percent, by your employer. The basis for the calculation of health insurance is your gross salary. You and your employer each pay half of the additional contribution and, like the health insurance contribution rate, it is calculated as a percentage. Here, too, the basis for calculation is your gross salary.

Additional Contribution GKV Germany
Additional Contribution GKV Germany

Example

It’s best if I show with an example:

  1. Your gross salary is 1,000€ (I sincerely hope that your gross salary is much higher than 1,000€)
  2. The contribution for health insurance is 146€ (14.6 percent)
  3. The employee and the employer pay 73€ each (7.3 percent)
  4. If the addition to the contribution is 1 percent, it is equivalent to 10€
  5. In the end, the total amount of health insurance is 156€ (or 15.6 percent)
  6. Both the employee and employer have paid their half – 78€ each (7.8 percent)

If your gross salary were 3,000€, the total amount of contributions for health insurance would be 468€, which in percentage terms is again 15.6 percent (14.6 percent + additional contribution).

Supplement to the Contribution for All Public Health Insurance in Germany

The table shows additions to the contribution in percentages valid from 01.01.2024.

Public Health InsuranceAdditional Contribution 2024Additional Contribution 2023
AOK Baden-Württemberg1.60%1.60%
AOK Bayern1.58%1.58%
AOK Bremen/Bremerhaven1.38%1.60%
AOK Hessen1.60%1.60%
AOK Niedersachsen1.50%1.50%
AOK Nordost2.70%1.90%
AOK Nordwest1.89%1.89%
AOK PLUS1.80%1.50%
AOK Rheinland-Pfalz/Saarland1.80%1.80%
AOK Rheinland/Hamburg2.20%1.80%
AOK Sachsen-Anhalt1.30%1.00%
BKK B. Braun Aesculap1.75%1.75%
BKK BPW Bergische Achsen KG
(-> bkk melita hmr)
/1.80%
BKK Deutsche Bank AG1.90%1.60%
BKK evm1.30%0.90%
BKK EWE0.90%0.90%
BKK Groz-Beckert0.70%0.40%
BKK KARL MAYER2.30%2.50%
BKK MAHLE2.20%1.50%
BKK Merck1.10%1.40%
BKK Miele1.20%1.40%
BKK MTU1.60%1.60%
BKK PwC1.48%1.48%
BKK Rieker.Ricosta.Weisser2.00%2.00%
BKK Salzgitter1.60%1.60%
BKK Voralb1.40%0.50%
BKK Würth1.29%0.98%
BMW BKK0.90%0.30%
EY BKK (Ernst & Young)1.54%1.54%
Koenig & Bauer BKK1.44%1.44%
Krones BKK0.90%0.90%
Mercedes-Benz BKK1.70%1.30%
Südzucker-BKK1.10%1.10%
Audi BKK1.00%1.25%
BAHN-BKK2.20%1.70%
BERGISCHE Krankenkasse1.99%1.60%
Bertelsmann BKK1.40%1.40%
BKK Akzo Nobel Bayern1.65%1.55%
BKK Diakonie1.80%1.60%
BKK DürkoppAdler1.55%1.29%
BKK EUREGIO1.25%0.84%
BKK exklusiv1.99%1.99%
BKK Faber-Castell & Partner1.10%1.35%
BKK firmus0.90%0.90%
BKK Freudenberg1.50%1.50%
BKK GILDEMEISTER SEIDENSTICKER1.50%0.90%
BKK HERKULES1.09%1.09%
BKK Linde1.50%1.50%
bkk melitta hmr1.60%1.40%
BKK PFAFF1.40%0.80%
BKK Pfalz1.98%1.55%
BKK ProVita1.49%1.49%
BKK Public1.20%1.69%
BKK SBH1.29%0.98%
BKK Scheufelen1.85%1.40%
BKK Technoform1.50%1.50%
BKK Textilgruppe Hof1.30%0.90%
BKK mkk (früherer Name BKK VBU)1.80%1.80%
BKK VDN1.69%1.50%
BKK VerbundPlus1.35%1.35%
BKK WERRA-MEISSNER1.80%1.80%
BKK Wirtschaft & Finanzen1.99%1.69%
BKK ZF & Partner1.69%1.45%
BKK241.89%1.79%
Bosch BKK1.50%1.50%
Continentale BKK1.60%1.40%
Debeka BKK1.69%1.69%
energie-BKK1.59%1.59%
Heimat Krankenkasse1.84%1.30%
mhplus BKK1.58%1.58%
Mobil Krankenkasse1.49%1.49%
Novitas BKK1.70%1.54%
Pronova BKK1.80%1.70%
R+V BKK1.40%1.40%
Salus BKK1.59%1.59%
SBK1.70%1.50%
SECURVITA Krankenkasse2.20%1.60%
SKD BKK1.49%1.15%
TUI BKK1.50%1.50%
VIACTIV Krankenkasse1.60%1.60%
vivida bkk1.70%1.40%
WMF BKK1.60%1.60%
BARMER2.19%1.50%
DAK Gesundheit1.70%1.70%
HEK – Hanseatische Krankenkasse1.30%1.30%
hkk Krankenkasse0.98%0.98%
KKH Kaufmännische Krankenkasse1.98%1.50%
KNAPPSCHAFT2.20%1.60%
Techniker Krankenkasse (TK)1.20%1.20%
BIG direkt gesund1.65%1.45%
IKK Brandenburg und Berlin1.99%1.77%
IKK – Die Innovationskasse1.70%1.60%
IKK classic1.70%1.60%
IKK gesund plus1.49%1.10%
IKK Südwest1.65%1.65%
Landwirtschaftliche Krankenkasse – LKK/1.60%

Must-Read Info

If your health insurance increases the additional contribution, you can terminate your health insurance contract. More about this special right of termination find in the article Changing Statutory Health Insurance in Germany.


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Additional Contribution to the Health Insurance 2024
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