Bergische Krankenkasse
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Why switch via GKV-Zusatzbeitrag.de?
- Established application route: The application runs through our partner VGK24, who has been handling insurer switches for years
- Everything in one place: From information to the finished application – no jumping between websites
- You are not on your own: If questions come up, we support you – the insurer itself does not know you
Free • No obligation • Done in 3 minutes
Application handled by our partner VGK24. Free for you – we receive a commission for switches we arrange. Information without guarantee, no individual advice.
Overview Bergische Krankenkasse
As a statutory health insurer, Bergische Krankenkasse is part of the statutory health insurance system. It is open in 3 federal states: Hamburg, Hesse, North Rhine-Westphalia.
At 3,79 %, the supplementary contribution is 0,41 percentage points above the average of the 93 health insurers compared here (3,38 %) - rank 65 of 93. Together with the general contribution rate of 14,6 %, this adds up to a total contribution of 18,39 %.
At 4.000 € gross per month, roughly 910 € a year falls to the employee for the supplementary contribution - about 98 € more per year than with the average insurer. The employer contributes the same amount.
Special Features
- Type of insurer: statutory health insurer
- Availability: Hamburg, Hesse, North Rhine-Westphalia only
- Supplementary contribution 2026: 3,79 % (rank 65 of 93, average 3,38 %)
- Total contribution: 18,39 % including the general rate of 14,6 %
- Development: raised from 2,95 % to 3,79 % (+0,84 percentage points) - an increase gives you a special right of termination
Supplementary Contribution 2026
The supplementary contribution of the Bergische Krankenkasse is determined individually by each health insurer and can change annually. It is charged in addition to the general contribution rate of 14,6% .
Contribution Calculation
- General Contribution Rate: 14,6 %
- Supplementary Contribution Bergische Krankenkasse: 3,79 %
- Total Contribution: 18,39 %
The contribution is charged up to the contribution assessment ceiling of 69.750 € (annually). For employees, employers and employees each pay half of the contribution.
The average supplementary contribution of all statutory health insurers is 2,9%. In case of an increase in the supplementary contribution, insured persons have a special right of termination.
Supplementary contribution compared
| Health insurer | Supplementary contribution 2026 | Classification |
|---|---|---|
| Bergische Krankenkasse | 3,79 % | rank 65 of 93 |
| Average of the insurers compared | 3,38 % | mean of the 93 insurers on this website |
| Cheapest insurer available here: BKK firmus | 2,18 % | lowest contribution among the insurers you can apply to here |
Example based on 4.000 € gross per month: a supplementary contribution of 3,79 % costs around 1.819 € a year, of which the employee pays about 910 €. Calculated up to the contribution assessment ceiling of 69.750 € per year.
Two averages that are easily confused: the average supplementary contribution of 2,9 % is an officially set reference value (§ 242a SGB V) used, among other things, for voluntarily insured members. The mean of the contributions actually charged is higher at 3,38 % - what matters for your own budget is always the rate of your own insurer.
Additional Benefits of the Bergische Krankenkasse
The Bergische Krankenkasse offers various statutory benefits in addition to the legally required benefits. Here you will find an overview of the most important additional benefits:
| Benefit Area | Reimbursement / Details |
|---|
Note: The statutory benefits may change. Current information can be found on the official website of the Bergische Krankenkasse.
Contact Bergische Krankenkasse
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Frequently Asked Questions about Bergische Krankenkasse
The supplementary contribution of the Bergische Krankenkasse is 2026 3,79%. Together with the general contribution rate of 14,6% the total contribution is 18,39%.
Bergische Krankenkasse is open to residents of Hamburg, Hesse, North Rhine-Westphalia.
Switching to the Bergische Krankenkasse is possible after a binding period of 12 months with your current health insurer. In case of an increase in the supplementary contribution, there is a special right of termination. With our service, the switch takes only 3 minutes - the new health insurer automatically handles the termination with your old health insurer.
The Bergische Krankenkasse offers all legally required mandatory benefits. In addition, there are various statutory benefits such as bonus programs, allowances for preventive care and alternative healing methods. You can find the details in the benefits overview on this page.
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