hkk Gesetzliche Krankenversicherung

hkk Gesetzliche Krankenversicherung is a health insurance plan from hkk Krankenkasse, available to residents of Germany. Sum insured ranges from varies, eligible ages 0 to 99, and the policy is lifelong guaranteed. Below is our take on how it compares to other health plans in our database — what it does well, where it lags, and the kind of policyholder it actually fits.

Annual premium starts at €320, against a category median of €300 across the 7 comparable health plans we track in this country. That places hkk Gesetzliche Krankenversicherung in the upper-mid range on price, and the middle of the pack on coverage ceiling (maximum sum insured N/A versus a peer median of N/A). On the value spectrum it reads as priced near the category median.

Coverage breadth is in line with what most health plans offer: 6 core inclusions, 4 highlighted features, and 1 optional riders. Notable features called out by hkk Krankenkasse include Consistently lowest additional premium rate in Germany, ~700K members, and Digital-first service. On the rider side, hkk Gesetzliche Krankenversicherung can be extended with Zusatzversicherung (supplementary) — each adding to the base premium but also widening what the policy will pay out for.

Where hkk Gesetzliche Krankenversicherung explicitly will not pay: Private room (without supplementary) and Dental prosthetics (limited). These are not unusual exclusions for a health plan, but they are the boundary of the contract — anything outside that list is in scope, anything inside is not. Read the full exclusions list before signing; every plan we have ever audited has at least one exclusion the buyer did not realise was there.