Krankenkasse-Which health insurer can you recommend for good service

Member since 01 February 2021

HawkLaneMember04 March 2021 06:22:30

My employer is demanding that I find a health insurance to join urgently. I contacted DAK and thought that everything was settled, but they have not returned to me. Which health insurer can you recommend for good service and quick response times?

GuestPoster305 Guest

GuestPoster305Guest04 March 2021 07:09:10

gbrael12 Member

Member since 19 October 2020

gbrael12Member04 March 2021 07:24:35

I am with TK - but to be honest despite the myth聽 ! - everything in Germany takes time !!

beppi Germany/Singapore Expert

Member since 08 August 2010

Germany & Singapore Expert

beppiGermany/Singapore Expert04 March 2021 11:28:35

15468

If you are looking for a public scheme health insurer (as DAK is), they are all more or less the same. Since there is no competition on price and changing is difficult, there is no competition, no market forces and thus no motivation to serve you better than the (legally set) minimum standard.
Once you apply for membership (and are eligible), you are insured. If need be, the coverage will retroactively (up to three months) extend to the day you needed to be insured.聽 Thus there is no need to worry about the speed of their processing!

TominStuttgart Germany Expert

Member since 19 March 2012

TominStuttgartGermany Expert05 March 2021 09:27:40

2777

beppi wrote:
If you are looking for a public scheme health insurer (as DAK is), they are all more or less the same. Since there is no competition on price and changing is difficult, there is no competition, no market forces and thus no motivation to serve you better than the (legally set) minimum standard.
Once you apply for membership (and are eligible), you are insured. If need be, the coverage will retroactively (up to three months) extend to the day you needed to be insured.聽 Thus there is no need to worry about the speed of their processing!

Both the premiums and coverage will be charged retroactively.

DanieMarie Active member

Member since 09 March 2012

DanieMarieActive member01 April 2021 12:10:04

beppi wrote:
If you are looking for a public scheme health insurer (as DAK is), they are all more or less the same. Since there is no competition on price and changing is difficult, there is no competition, no market forces and thus no motivation to serve you better than the (legally set) minimum standard.
Once you apply for membership (and are eligible), you are insured. If need be, the coverage will retroactively (up to three months) extend to the day you needed to be insured.聽 Thus there is no need to worry about the speed of their processing!

This.

I think it comes down to personal preference and what sort of 'extras' they offer you (a lot of them have bonus programmes, offer classes 鈥� in non-pandemic times 鈥� etc). A lot of people like TK. I'm with AOK and feel they've been good to me, so I always recommend them (at least in and around Berlin, which is AOK Nordost). But generally I think they're all more or less the same (they all have to charge the same and offer the same core coverage) and everyone likes the one they're on because it's what they know.