Become a member

Start to profit from our top services and switch to IKK classic – the health plan for your well-being! It is super simple. On this page, we would like to inform you about your membership, our services, contribution rates and the service for you.

Switch to IKK classic in just three steps

  • 1

    Step 1

    Download and fill out membership statement

  • 2

    Step 2

    Verify information, sign form and send to IKK classic by mail

  • 3

    Step 3

    Download letter of cancellation for previous health insurance

    Please use our pre-paid envelope to send the documents to IKK classic for free.

    The benefits of your membership

    With IKK classic, everyone is in good hands. You profit from diverse services and benefits for your health.

    Every insured person receives an electronic health insurance card with photo from IKK classic. The health card stores the reference data of the insured person so that it is easily available at every doctor’s visit. In the future, it will also offer the possibility of transferring and processing data electronically in a safe, quick and simple manner. The prerequisite is the insured person’s consent, because the security of your personal health data is the top priority.

    Learn more about your personal benefits


    Young adults continue to be insured through their dependents’ co-insurance as part of their training/studies. Beginning at 25, students receive cost-effective health insurance for students.

    With IKK classic as a health insurer, you receive top services at top conditions. In addition to statutory coverage, we award you the IKK Bonus for your healthy lifestyle: Use it for your regular medical checkups at the dentist or the statutory skin check from 35. Furthermore, we take over the costs for numerous alternative healing methods such as homeopathy or osteopathy. IKK classic also financially supports your participation in health courses such as back exercise training, yoga, or aqua fitness through the health account. If your daily life leaves no time for relaxing, then the IKK Active Days are exactly right for you!


    Your children and spouse, if not subject to compulsory insurance, are optimally serviced through dependents’ co-insurance. Your co-insured family members receive all benefits of our bonus program and health account. Additionally, we support baby and toddler programs, and take over the full costs for the orthodontic treatment of your children.

    Are you still in the process of family planning? We support you in your desire to have children with a partial takeover of the costs for artificial insemination.

    IKK bonus program

    Take part in the IKK classic bonus program: You or your children can receive credit for the first medical check-up or vaccination. Opt for an attractive cash bonus or an allowance for certain services.

    IKK health account

    Through the health account, every insured person has various health activities available. Health courses, alternative therapies, additional preventive offers for pregnant mothers, or special dental treatments for children: You decide what is especially important for your health. Through the health account, you receive a refund for a portion of the costs.

    An overview of your contributions 2022

    Top services at top conditions: With our cost-effective contribution rate of 15.9 percent and our attractive service offerings, you are on the safe side with us.

    Our service Your contribution rate

    Health insurance (general)

    14.60 %

    Health insurance (discount)

    14.00 %

    Additional contribution rate

    1.30 %

    Pension insurance

    18.60 %

    Unemployment insurance

    2.40 %

    Nursing care insurance

    3.05 %

    Additional contribution for nursing care insurance for people without children  – until 31/12/2021

    0.25 %

    Additional contribution for nursing care insurance for people without children  – from 01/01/2022

    0.35 %

    An overview of our services for your stage of life


    Our contribution rate lies at 15.9 percent. The amount of your health insurance contribution is thus dependent on your income. Up to the income threshold, the contribution rate is proportionally based on your monthly pay. For nursing care insurance, the contributions are calculated as follows: People with children pay 3.05 percent of their gross salary, people without children pay 3.4 percent.


    IKK classic co-insures your family members (children, spouse, and life partner as laid out by the LPartG) free of charge given certain prerequisites. This applies both to health and nursing care insurance.

    Self-employed people

    There are several possibilities for your voluntary membership with IKK classic. Your contribution is dependent on your income as well as on whether and when you want to receive sickness benefits. We gladly make you an individual offer for your health insurance as a self-employed person – just contact us on


    The apprenticeship begins – now is the time for your own health insurance. The contributions are usually shared to equal parts by the apprenticing organization and the apprentice. If the revenue of the apprenticeship is under 325 euros, the apprenticing organization takes over the full costs.


    Until the age of 25 (inclusive), students are in most cases still covered as dependents of one parent. This also includes university vacations. After the age of 25, individual rules apply, which we have summarized for you under health insurance for students.


    The current contribution rate of 14.60 percent also applies for pensioners. The contribution is shared to equal parts by the insured pensioner and the pension insurance institute. The additional contribution rate is borne by the insured pensioner.