Members
~390,000
Zusatzbeitrag
1.20%
Founded
1826
Best For
Anyone who values excellent personal service over brand size
Advantages
Exceptional customer service — consistently top-rated
Competitive Zusatzbeitrag (1.20%)
Generous Zusatzleistungen for its size
Good osteopathy and naturopathy coverage
Personal, attentive service due to smaller size
Disadvantages
Smaller member base — less brand recognition
Fewer physical offices
Digital services adequate but not leading-edge
Our Verdict
A smaller but highly rated Krankenkasse based in Hamburg. Punches well above its weight in customer satisfaction, service quality, and extras. Often overlooked but consistently top-rated. With an overall rating of 4.5/5, HEK is one of the top choices in the public insurance market. At a Zusatzbeitrag of 1.20%, it's competitively priced.
Related Guides
Free Consultation
Not sure which insurance is right for you?
Let our experts analyze your situation and recommend the best health insurance option — completely free and non-binding.
- Personalized GKV vs PKV analysis
- Cost comparison for your income level
- Provider recommendations tailored to you
- Response within 1-2 business days