4Yr

BKK Firmus very satisfied

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4Yr

@GoDividend Is the one behind the hkk (so from the costs) or?

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4Yr

@Europoor I don't know that at all. 0.84% additional contribution

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4Yr

@GoDividend Yes is the second cheapest.

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4Yr

@Europoor works great everything via app etc.. We took then because there is a lot of bonus and additional benefits for families... It just fits every life situation another KK 🙏

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Herdd Berus@Herdd

4Yr

@GoDividend The application went out last week

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4Yr

@Herdd damn all without reflink 😂

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Herdd Berus@Herdd

4Yr

@GoDividend that something like that still works nowadays xD

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Darkwing Donkey@DonkeyInvestor

4Yr

@Herdd incredible.. But nice... But I have equal times in the app of Firmus asked for a reflink, that can not be 😂 the last program was 2015 of those there was 20€, which is already almost a savings plan 😂😂😂😂

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4Yr

@GoDividend I'm there too. Mainly because of the additional contribution and professional dental cleaning. App could be better

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View all 5 further answers

4Yr

@DonkeyInvestor that could pretty much any app 😅 but really faster customer service I find. Let's see when they respond to the reflink message😂🤫

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Nicolas Professioneller Rolls Royce Großaktionär Coole Leute: @leveragegrinding, @SharkAce und @Lorena(aber die ist nen bisschen schüchtern)@getquinfuermerchverkauft

4Yr

I like so everyday tips save money, etc.. Could @Kundenservice wake up its own section... "more money to invest" !!!!!

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4Yr

Many GKV have increased their contributions at the New Year

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Nicolas Professioneller Rolls Royce Großaktionär Coole Leute: @leveragegrinding, @SharkAce und @Lorena(aber die ist nen bisschen schüchtern)@getquinfuermerchverkauft

4Yr

@getquin Good reason to change :)

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4Yr

@Europoor Exactly 👀

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Felix@Investor_in_Jogginghose

4Yr

I am also with the Hkk but unfortunately they had to increase the contributions.

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Felix@Investor_in_Jogginghose

4Yr

@MiIliardenmehling Yes, but they are still very inexpensive compared to other products.

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4Yr

@Europoor yes, but unfortunately I am an existing customer.

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Patrick@Philps8

4Yr

@MiIliardenmehling have changed last year to HKK, the letter recently with the increase I have not even read through 🙈😅

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Darkwing Donkey@DonkeyInvestor

4Yr

So, and now a PKV GKV comparison. I've been thinking about switching for a few years now and then, but my calculations always show (especially when I retire early) that I'm better off with the GKV. But you're smarter, so go ahead 😘

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Matthias@matthias

4Yr

Is someone here at the BKK Faber Castell & Partner, I'm thinking of changing and since members canvass 20 euros for canvassing (you then share the 50%) has then the recruiter and the changing something of it :) Currently I'm "still" with the hkk, but since it has announced so close to the end of the month the increase in the additional contribution, I'm considering a change.

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Aktienmanie@Aktienmanie

4Yr

Attention, in the case of individual decisions, the Fund is not bound by the decision of the previous Fund. This is only a supplement. Otherwise, it is also worthwhile to pay attention to what special contracts the health insurance companies have with the surrounding treatment providers, hospitals, etc., there are significant differences. Especially in comparison of small BKK's to million large health insurance companies.

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4Yr

@Aktienmanie That's what I meant by agreeing to pay the costs again. Did I not write that well?

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Aktienmanie@Aktienmanie

4Yr

@Europoor That's fine, but the likelihood of renewed approval is probably zero in the case of individual decisions, so that you have to start all over again and possibly file lawsuits until something happens.

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Normans_Aktien@Normans_Aktien

4Yr

@Aktienmanie Of course, there is a risk, but fortunately it was easy in my case.

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4Yr

Regardless of the GKV, the most effective savings as an employee is to leave the church. If you are voluntarily insured (high income), the premium adjustments are peanuts.

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Franziska Lindner@DieFinanzchaotin

4Yr

I'm also with the hkk, because it is the cheapest and the additional services are good (dental cleaning and so on) - although I was previously with the TKK and found the "smarter". It was super digital and also that you could collect bonus points with step counters was mega cool. That's rather annoying with the hkk. If the TKK had included the dental cleaning, I might have even stayed there.

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Niklas@n_albo

4Yr

@DieFinanzchaotin I'm also with the TKK. for me, the decisive factor used to be that they pay for all the vaccinations against tropical diseases, even if I only travel privately and for fun. but honestly don't know how it is today, whether other health insurance companies also pay for that in the meantime.

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Franziska Lindner@DieFinanzchaotin

4Yr

@n_albo Today, the others also pay for it. With the Hkk e.g. also no problem more. You just have to compare at check24. :) Hkk offers in some points actually even n significantly better offer than the TKK. I also travel a lot and the vaccinations are therefore essential for me.

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Niklas@n_albo

4Yr

@DieFinanzchaotin then we are already two who find something essential :) I have the dental cleaning paid by the TK via the bonus program :D

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Franziska Lindner@DieFinanzchaotin

4Yr

@n_albo Yes, but when I consider that I also have the bonus program with hkk, it's just not worth it as much for me with tkk.

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4Yr

Can also recommend the SBK. Up to €350 every year if you don't use certain services. These are rather unusual services that a reasonably healthy person will not need :)

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4Yr

@SharkAce However, the additional contribution is twice as high as with the hkk.

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4Yr

@Europoor The question is whether the 0.61% is higher than €350 a year for you :D Especially as it shouldn't just be based on the costs.

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4Yr

@SharkAce Joar well for me the costs are in the foreground. From my point of view, all health insurance companies are the same.

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4Yr

@Europoor They actually differ in some respects but are often quite opaque. Even if an additional benefit is advertised, it is often tied to some kind of criteria haha

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Deleted User

4Yr

Comment was deleted

4Yr

@monchella no, not Siemens 😂 but SBK actually works closely with the company where I work haha

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Deleted User

4Yr

Comment was deleted

4Yr

@monchella was? So were you rather dissatisfied or did you simply switch?

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Deleted User

4Yr

Comment was deleted

4Yr

@monchella yes, but even such small differences make a difference in the long run😅

But for now I'm glad that it's not because of the sbk hahah

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DiFigiANo@DiFigiANo

4Yr

You pay money for something like this? [present the matching meme here]

Free medical care 💸

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4Yr

@DiFigiANo You can only get this free of charge if you are insured through your parents or spouse or receive social benefits.

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DiFigiANo@DiFigiANo

4Yr

I meant that because I'm in the federal government, I have free military welfare and don't have to pay into a health insurance fund

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4Yr

@DiFigiANo Oh, I hadn't thought of that, nice.

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4Yr

the cheapest health insurance fund at the moment is BKK farber Castell as far as I know and just behind it is hkk.
I am with the hkk but am considering switching to BKK farber Castell

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4Yr

@LangM90 As mentioned above, you can only go to Castell if you live in Bavaria.

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4Yr

@Europoor yes i live in bavaria

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4Yr

Don't you find it problematic if there is no office with a contact person from your KV in the vicinity or is that relatively "indifferent" to you?

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4Yr

@LangM90 Why do you need it?

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4Yr

@Europoor Yes, you don't need it if you're healthy anyway.
But there may be some serious case that you don't want to deal with over the phone and then it would be good to have a personal contact person available.

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Staatsmann@Staatsmann

4Yr

@LangM90 In times of Corona, you can't make appointments in person anyway and otherwise I clarify my matters by e-mail.
So I'm annoyed that AOK Nordost still prefers to write a letter instead of replying to my email...

You don't really have a proper personal clerk at any statutory health insurance company any more. In other words, you can't build up a "relationship" with these people.

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4Yr

@Staatsmann that means you would not switch to BKK farber Castell in this case if you were not already with hkk? The contribution is only 0.4% cheaper at BKK Farber Castell.

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4Yr

@LangM90 If you live in the Castell area, I would switch there. It's not possible outside of Bavaria anyway.

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Staatsmann@Staatsmann

4Yr

@LangM90 I compare the price-performance ratio for the things that are important to me.

Anyone who demands absurd additional premiums without providing more service will be thrown out.

As I come from a family where cancer often broke out at a young age, cancer screening is important to me even before the usual age ranges.

As a high-risk group, BKK offers me colon cancer screening from the age of 25 or 30.
Others only from 35 or 40.
It's similar with skin cancer.

That's why I'll soon be switching from AOK Nordost to BKK.

So you should compare according to your wishes and then choose something.
After all, I don't know your medical records or your state of health and what you value. :)

For example, I don't attach any importance to local offices, as I prefer to clarify everything by email or telephone. An email address where you can get answers is enough for me.

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4Yr

@Staatsmann So I can't find that at the BKK now? Where exactly did you find this or read that they offer it?

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Staatsmann@Staatsmann

4Yr

@LangM90 I compared at CHECK24 and there were a few things. :)

I found out the rest by sending an email to BKK.
Always with the information that certain conditions have to be met, but that they generally offer it.

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