TK, AOK, Barmer, DAK — paste the paragraph that's confusing you. Clario explains the premium change, flags your Sonderkündigungsrecht window, and tells you exactly what to do. No signup. Share it with your partner or your doctor on WhatsApp.
Health insurance data — extra consent needed
Krankenkasse letters contain health-category data (GDPR Art. 9), which requires explicit consent that's separate from our general terms. Before you paste, confirm that you want Clario to process this letter.
Read our Privacy Policy for the full health-data processing terms.
Your letter is never saved. For full-letter scans, Kassen comparison, and auto-drafted Kündigung + Mitgliedsbescheinigung requests, sign up free.
Beitragssatzanpassung notices — understand exactly how much more (or less) you will pay and from when.
Leistungsbescheid letters — whether a treatment, therapy, or medication was approved or denied.
Kostenerstattung notices — track what you are owed, when to expect payment, and how to appeal.
Uberweisungsschein — understand when you need a referral and which specialists are covered.
Bonusprogramm letters — discover health checkup incentives worth up to €150/year you might be missing.
Thinking of switching insurers? Understand your Sonderkuendigungsrecht (special cancellation right) and notice periods.
€15k
Avg. annual premium
105
Public insurers (GKV)
4 weeks
Response deadline
Ignoring a Krankenkasse letter can mean losing coverage, missing reimbursements, or paying more than you need to. Let Clario translate the bureaucracy.
Decode Your Letter Now — Free