Krankenkassen-Kompass

What Krankenkassen-Kompass does

Krankenkassen-Kompass is the consumer-facing brand of Kassensuche GmbH, a Frankfurt-based private German company that operates gesetzlichekrankenkassen.de, an online comparison portal for Germany's 93 statutory health insurance funds (gesetzliche Krankenkassen). Founded in 1999 and rebranded to its current name in 2009 after the introduction of the Gesundheitsfonds, the platform helps the approximately 70 million GKV-insured residents of Germany compare funds by contribution rate, supplementary benefits, bonus programs, alternative medicine coverage, dental services, telemedicine, and travel protection. Its core product is the Interaktive Kassensuche, supported by a Beitragsrechner (contribution calculator), a Leistungsvergleich (benefit comparison) with a proprietary Leistungsindex scoring system (max 109), a Google Maps-based Geschäftsstellenfinder, and a forwarder for online and PDF membership applications, plus an English-language version for international applicants.

Underlying the product is an interactive comparison database populated with data directly confirmed by the insurance funds themselves, deployed across a self-serve web platform at gesetzlichekrankenkassen.de, an embeddable intranet tool for employer HR systems, and integrated widgets distributed through media partnerships with Focus Online (focus.de) and Stern Online (stern.de). Supporting infrastructure includes Matomo self-hosted analytics, consent-managed Google Analytics, and Google Maps, YouTube, and Vimeo embeds activated via two-click consent.

The business model is affiliate/referral-based and free for consumers: the company receives Aufwandsentschädigung (compensation) from statutory health insurers when a membership is successfully mediated through the platform, and offers the employer intranet tool free of charge for non-commercial use. End customers are individual GKV members, supplemented by German employers using the B2B intranet service; the paying counterparties are the 72+ generally open statutory insurance funds themselves.

Name

Krankenkassen-Kompass

Legal name

Kassensuche GmbH

Website

https://gesetzlichekrankenkassen.de

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

1–10 employees

Short description

Krankenkassen-Kompass (Kassensuche GmbH) operates gesetzlichekrankenkassen.de, a free German online portal that helps roughly 70 million statutory health insurance members compare, select, and apply to switch among 93 statutory health insurance funds based on price, benefits, and bonus programs.

Ownership category

akta.pro rank

Product category

Health Insurance Comparison

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Health insurance comparison
• Statutory health insurance
• Insurance lead generation
• Krankenkassen Vergleich
• Benefit comparison portal

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations

Revenue model

1. Membership Commission (Aufwandsentschädigung): The company receives compensation from health insurance funds when a membership is successfully concluded through the platform. This is a referral/lead generation model where the company acts as an intermediary between consumers and insurance funds.
2. Employer Intranet Tool (Free): Free tool provided to employers for their intranet, allowing employees to compare health insurance options. No direct revenue from employers; value derived from increased user base and potential membership referrals.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Krankenkassen-Kompass operates gesetzlichekrankenkassen.de, a free German statutory health insurance (GKV) comparison portal where consumers can search, compare and apply to all 93 statutory health insurance funds based on contribution rates, benefits and services. The platform also provides a contribution calculator, a detailed benefit/service comparison (Leistungsvergleich) with a proprietary Leistungsindex scoring system, a branch locator, and an embeddable intranet tool for employers. Revenue is earned through referral commissions (Aufwandsentschädigung) paid by insurance funds when memberships are successfully concluded.

Product overview

gesetzlichekrankenkassen.de is a German statutory health insurance (gesetzliche Krankenkasse / GKV) comparison portal operated by Kassensuche GmbH, offering an interactive search platform, contribution calculator, and benefit comparison tools. The core product is the Interaktive Kassensuche — an interactive search engine that matches users to suitable statutory health insurers based on their preferences (location, benefits, contribution rate). Supporting tools include the Beitragsrechner (contribution calculator), Leistungsvergleich (benefit comparison covering supplementary benefits, bonus programs, alternative medicine, dental care, and telemedicine), Geschäftsstellenfinder (branch locator via Google Maps), and the Vermittlung von Mitgliedschaftsanträgen (membership application forwarding service). The platform also offers a dedicated Arbeitgeberservice with an embeddable intranet tool, an English-language international version, and specialized search paths by user type (employees, self-employed, students, retirees). The service is free for consumers and derives revenue from commissions paid by health insurers when memberships are successfully concluded.

Differentiator

Problem solved

Functional benefit

Products and services

• Interaktive Kassensuche (Interactive Health Insurance Search) Interactive search tool allowing consumers to find statutory health insurance funds (gesetzliche Krankenkassen) by specifying preferences such as location (federal state), benefits, contribution rates, and personal life situation. Provides a Leistungsindex (Performance Index) scoring system with a maximum score of 109.
• Beitragsrechner (Contribution Calculator) Personalized contribution calculator that computes statutory health insurance contributions based on employment group, gross income, federal state, and current insurer. Shows the cheapest options and potential annual savings versus the most expensive fund.
• Leistungsvergleich (Service/Benefit Comparison) Detailed benefit and service comparison covering Zusatzleistungen (supplementary benefits), bonus programs, health promotion, alternative medicine (Naturheilverfahren), travel protection, dental services, telemedicine, and special care programs across all statutory health insurance funds.
• Arbeitgeberservice (Employer Service) Dedicated B2B service for German employers and HR departments, including savings calculator, contribution rate comparison, Umlagesätze (levies) comparison, corporate health promotion information, dissolved fund history, and a free embeddable intranet tool for non-commercial use to help employees compare and select health insurers. Partner funds guarantee 48-hour response time to HR inquiries.
• International/English Health Insurance Application English-language version of the comparison platform allowing non-German speakers (e.g., international residents, expats, and foreign employees in Germany) to compare statutory health insurers and submit membership applications online in English.

Quantifiable outcome

• Comprehensive coverage of 93 statutory health insurance funds with 72 generally accessible
• +1 more outcomes

Named customers2 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Three partnerships are on record, tiered major and core.

• focus.demajorChannel Partner/ Reseller/ DistributorMedia partnership with Focus Online, one of Germany's major news portals, where the interactive Kassensuche comparison tool is embedded, providing access to Focus's large consumer audience seeking health insurance information
• stern.demajorChannel Partner/ Reseller/ DistributorMedia partnership with Stern Online, a leading German magazine and digital platform, where the interactive health insurance comparison service is integrated to serve their readership's insurance needs
• German Statutory Health Insurance FundscoreStrategic or Co-development PartnerCore partnerships with 72+ statutory health insurance funds where the platform acts as an intermediary, receiving membership applications and forwarding them to funds. The platform receives Aufwandsentschädigung (compensation) when memberships are successfully concluded. All fund data is directly confirmed by insurance funds themselves.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Toptarif: German comparison portal focused on insurance, energy, and telecom products including statutory health insurance. Directly comparable to Krankenkassen-Kompass as a lead-generation platform earning commissions from insurance providers.
• Check24: Germany's largest multi-vertical comparison portal covering insurance (including statutory health insurance), banking, energy, telecom, and travel. Directly competes with Krankenkassen-Kompass in statutory health insurance comparison with substantially larger scale, brand recognition, and marketing budget.
• Verivox: Major German comparison portal primarily for energy and telecom but also offering statutory health insurance comparison. Direct competitor to Krankenkassen-Kompass with a similar lead-generation/commission revenue model and large consumer mindshare.
• Tarifcheck: German comparison portal covering insurance products including health insurance. Directly comparable to Krankenkassen-Kompass as a lead-generation platform earning commissions from insurance providers.
• Krankenkassen.de: Niche German comparison portal specifically focused on statutory health insurance funds. Closest direct competitor with the same product scope, fund coverage, and target audience as Krankenkassen-Kompass.

Emerging players

• Ottonova: Digital-first private health insurance (PKV) provider targeting tech-savvy professionals. Adjacent to Krankenkassen-Kompass as a digitally-native German health insurance player, but operating on the underwriting side (PKV) rather than comparison/intermediation (GKV).
• Clark: German digital insurance manager app that aggregates and manages existing insurance policies for consumers. Adjacent to Krankenkassen-Kompass as a digitally-native insurance intermediary targeting German consumers, though Clark focuses on policy management rather than switching.
• Getsafe: Digital insurance broker offering mobile-first distribution of insurance products in Germany. Comparable to Krankenkassen-Kompass as a tech-driven insurance distribution platform, though focused on personal lines and digital insurance products rather than statutory health insurance.

Regional players

• Asuro: Germany-focused private health insurance (PKV) comparison and advisory portal. Comparable to Krankenkassen-Kompass as a specialist German health insurance intermediary, but focused on the PKV segment rather than statutory GKV comparison.

Broad incumbents

• Finanztip: Non-profit German consumer advice portal covering finance, insurance, and health. Broader than Krankenkassen-Kompass, but includes health insurance comparison content and benefits from strong SEO authority and trust positioning as an independent consumer advocate.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/kassensuche-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Krankenkassen-Kompass