DEHeimat Krankenkasse Supplementary rate & contributions 2026
14.6% general rate + 3.9% supplementary rate · Employer and employee each pay half of the contribution.
Heimat Krankenkasse is a Company fund (BKK) based in Bielefeld. At 3.9%, its supplementary rate is 0.53 percentage points above the average of all statutory funds (3.37%). Since the beginning of 2022 the fund has adjusted its supplementary rate 5 times, most recently on 01/01/2026 by +0.8 percentage points to 3.9%.
Supplementary rate of Heimat Krankenkasse in recent years
| Valid from | Supplementary rate | Change |
|---|---|---|
| 01/01/2026 | 3.9 % | ▲ +0.8 % |
| 01/01/2025 | 3.1 % | ▲ +0.6 % |
| 10/01/2024 | 2.5 % | ▲ +0.66 % |
| 01/01/2024 | 1.84 % | ▲ +0.54 % |
| 01/01/2023 | 1.3 % | ▲ +0.2 % |
| 01/01/2022 | 1.1 % | – |
Data starts in January 2022 – the oldest rate may have applied earlier.
What switching funds can save
The cheapest statutory health insurance fund is currently BKK BPW Wiehl with a supplementary rate of 1.8% – 2.1 percentage points less than Heimat Krankenkasse. The examples show the savings when switching:
| Gross salary / month | Savings / month | Savings / year |
|---|---|---|
| €2,500.00 | €26.25 | €315.00 |
| €3,500.00 | €36.75 | €441.00 |
| €4,500.00 | €47.25 | €567.00 |
| €6,000.00 | €61.03 | €732.36 |
Employee share – the employer saves the same amount on top. Above the contribution assessment ceiling (5,812.5 € gross/month) the savings do not grow any further; tax effects are not taken into account. Not every fund is open to every employee or in every federal state.
U1 & U2 levy rates
Relevant for employers: the levies for continued pay during sickness (U1, selectable reimbursement rates) and maternity (U2).
| Levy rate | Reimbursement | |
|---|---|---|
| U1 (sick pay) | 2.1 % | 60 % |
| U1 (sick pay) | 1.73 % | 50 % |
| U1 (sick pay) | 4 % | 80 % |
| U2 (maternity) | 0.29 % | 100 % |
Levy rates over time
| Valid from | U1 rates | U2 |
|---|---|---|
| 01/01/2025 | 2.1 · 1.73 · 4 % | 0.29 % |
| 01/01/2024 | 2.3 · 1.9 · 4.4 % | 0.29 % |
| 10/01/2023 | 2.7 · 2.2 · 5.1 % | 0.29 % |
| 01/01/2023 | 2.7 · 2.2 · 5.1 % | 0.43 % |
| 01/01/2022 | 1.7 · 1.4 · 3.2 % | 0.53 % |
Data starts in January 2022 – the oldest rate may have applied earlier.
Fund details
- Type
- Company fund (BKK)
- Company number
- 31209131
- Address
- Herforder Str. 23, 33602 Bielefeld
This data in your software
Supplementary rates of all funds, updated daily and with history – as a REST API for your application.
Calculate your net salary with Heimat Krankenkasse
The calculator runs on the real Lohnica API – with the daily-updated supplementary rate of Heimat Krankenkasse.
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Frequently asked questions
The supplementary rate of Heimat Krankenkasse is currently 3.9% (valid since 01/01/2026). Together with the general contribution rate of 14.6%, the total contribution is 18.5%.