Members
~1.6 million
Zusatzbeitrag
1.70%
Founded
1260
Best For
People in the Ruhr area who value integrated care, mini-job workers
Advantages
Runs own hospitals and clinics — integrated care model
Own pharmacies with potential cost savings
Runs the Minijob-Zentrale (relevant for mini-job workers)
Comprehensive prosthetics center (Prothesenzentrum)
Long tradition and financial stability
Disadvantages
Zusatzbeitrag of 1.70% is above average
Own facilities primarily in Ruhr area / NRW
Digital services behind industry leaders
Limited English support
Our Verdict
Originally for miners, now open to everyone. Unique among German Kassen in that it operates its own clinics and pharmacies. Also runs the Minijob-Zentrale. With an overall rating of 4/5, Knappschaft is a solid option in the public insurance market. At a Zusatzbeitrag of 1.70%, it's around the market average.
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