BKK Public
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Your new health insurer cancels the old contract on your behalf
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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 BKK Public
BKK Public is one of Germany's company health insurers (BKK). It is open in 3 federal states: Hamburg, Lower Saxony, North Rhine-Westphalia.
At 2,50 %, the supplementary contribution is 0,88 percentage points below the average of the 93 health insurers compared here (3,38 %) - rank 5 of 93. Together with the general contribution rate of 14,6 %, this adds up to a total contribution of 17,10 %.
On a gross salary of 4.000 € a month, the employee's share works out at around 600 € per year - about 211 € less per year than with the average insurer. The employer covers the other half.
Special Features
- Type of insurer: company health insurer (BKK)
- Availability: Hamburg, Lower Saxony, North Rhine-Westphalia only
- Supplementary contribution 2026: 2,50 % (rank 5 of 93, average 3,38 %)
- Total contribution: 17,10 % including the general rate of 14,6 %
- Development: raised from 2,30 % to 2,50 % (+0,20 percentage points) - an increase gives you a special right of termination
Supplementary Contribution 2026
The supplementary contribution of the BKK Public 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 BKK Public: 2,50 %
- Total Contribution: 17,10 %
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 |
|---|---|---|
| BKK Public | 2,50 % | rank 5 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 2,50 % costs around 1.200 € a year, of which the employee pays about 600 €. 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 BKK Public
The BKK Public 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 BKK Public.
Contact BKK Public
Online
Website: https://www.bkk-public.de
Frequently Asked Questions about BKK Public
The supplementary contribution of the BKK Public is 2026 2,50%. Together with the general contribution rate of 14,6% the total contribution is 17,10%.
BKK Public is open to residents of Hamburg, Lower Saxony, North Rhine-Westphalia.
Switching to the BKK Public 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 BKK Public 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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