We recommend
14.6% + 2.69%
of gross, split with employer (2026 rate)
Best for: Most employees, the public fund with the best English support.
Type
Public (GKV)
English
App + hotline
Family
Covered free
Signup
Online, fast
Switching
Easy between funds
✓Strong English app and service
✓Family members covered at no extra cost
✓Accepted everywhere
×Premium scales with income
×Same core coverage as cheaper funds
From the Health insurance comparison in Berlin. Prices checked October 2026.