State Medical Aid
About the Insurer
Landeskrankenhilfe (LKH), headquartered in Lüneburg, is a regional, independent mutual insurance company focused on northern Germany. With its LKH-TeamUpgrade supplementary health insurance product line, LKH offers three plan options— Smile (focus on dental care), Fit (focus on preventive care), and Complete (comprehensive coverage)—starting at €13.90 per month.
Of particular note: LKH-TeamUpgrade Complete was named “Plan of the Year” by Ascore in 2025. The annual budget tiers range from €300 to €1,500, with sublimits for vision aids and LASIK ranging from €200 to €400 depending on the budget tier.
Based in Lüneburg and focused on northern Germany, LKH offers the personalized service of an independent insurance association.
What sets this provider apart
What sets LKH apart from the rest:
- “Plan of the Year 2025”: LKH-TeamUpgrade Complete was recognized by Ascore—a testament to its above-average range of benefits.
- 3 plan options: Smile (Dental), Fit (Preventive Care), Complete (Comprehensive Coverage) – customizable to suit your workforce.
- Regional specialist: Strong presence and expertise in northern Germany – more personalized service than large corporations.
- Independent mutual insurance company: a mutual insurance company with no corporate interests.
- Groups of 3 or more: Low group size requirement for very small businesses.