Techniker Krankenkasse to Double Supplemental Contribution Rate in 2025

Germany's largest health insurer raises rates to 2.45% citing rising costs and structural inefficiencies in the healthcare system.

The Techniker Krankenkasse (TK) will increase its supplemental contribution rate from 1.2% to 2.45% starting January 2025, affecting 11.8 million policyholders.
This decision follows significant cost increases in hospital care and pharmaceuticals, which have strained the finances of statutory health insurers across Germany.
The Federal Health Ministry set the average supplemental contribution benchmark for 2025 at 2.5%, an increase of 0.8 percentage points from 2024.
Critics, including TK leadership, attribute the financial challenges to inefficiencies in the healthcare system and unfulfilled government reform promises.
Policyholders impacted by the rate hike have the option to switch insurers under a special termination right.