Most of you are probably insured with the most popular insurance companies like AOK or TK because they are famous and recommended by university, work or friends. But there are lesser-known companies that offer a wider range of services for less money. The most advantageous insurance available in all states of Germany is currently offered by hkk. For example, if you change insurance from the most expensive to the most profitable with a gross salary of 36,000 €, you will save 380 € per year, and with a salary of 60,000 € — 612 €. When choosing insurance, you should also take into account the savings from additional services - for example, dental clean.