Mutual insurer (VVaG)

LKH private health insurance. An independent mutual insurer from Lüneburg, with English help from us.

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LKH logo

Landeskrankenhilfe from Lüneburg is a mutual insurer founded by farmers in 1926 and belongs to its policyholders. Its service works in German, and we stay your English-speaking contact.

Legal form
Mutual insurer (VVaG)
Group
Not part of any group
Our favourites
  • Entry A100
  • Medium GUK0
  • Max GUP0

Contact

App
App Store (opens in a new tab)Google Play (opens in a new tab)
Online portal
meine.lkh.de (opens in a new tab)
Service centre
+49 4131 725-0Monday to Friday, 7.30 am to 6 pm
Email
service@lkh.de

Service in English

App
German only
Application
German only
Documents
German only
Hotline
German only

For expats

Is LKH a good choice for expats?

LKH from Lüneburg insures 155,299 people with full cover (2025). Its app, documents and service centre work in German, so we stay your English-speaking contact and handle the German side with you. We recommend three LKH tariffs, one each for Entry, Medium and Max cover. Whether LKH suits you depends on the cover you want, and in a free call we compare it with the rest of the market.

Our favourites

Which LKH tariffs do we recommend?

  1. Entry

    A100

    with S220 and Z80

    No deductible on outpatient bills, a single or two-bed room and treatment by the senior consultant in hospital, with dental cover in its own tariff.

  2. Medium

    GUK0

    No deductible, a two-bed room and treatment by the senior consultant in hospital, and dental treatment at 100% with dentures and orthodontics at 80%.

  3. Max

    GUP0

    No deductible, a single or two-bed room and treatment by the senior consultant in hospital, and dental treatment, dentures and orthodontics at 100%.

In English

How well does LKH work in English?

LKH works in German: the app "Meine LKH", the application, the documents and the service centre, 04131 725-0, Monday to Friday from 7.30 am to 6 pm. That is where we come in: we stay your English-speaking contact, read every letter with you and handle claims questions and changes for you, for as long as you are insured. You do not need to call LKH in German yourself.

Service in English

App
German only
Application
German only
Documents
German only
Hotline
German only

Ownership

Who owns LKH?

Landeskrankenhilfe V.V.a.G. is a mutual insurer. It belongs to its policyholders, so it has no shareholders, and it describes itself as not tied to any group: no parent company stands above it. V.V.a.G. stands for Versicherungsverein auf Gegenseitigkeit, the German term for a mutual. Whatever the legal form, the law sets a minimum share of the surplus that must go back to policyholders.

History

The story of LKH

LKH began on 7 July 1926, when farmers from around Lüneburg founded a sickness fund for self-employed farmers: a self-help fund of one profession, with 896 members in its first year. As early as 1929 it introduced a small deductible. The company moved its head office within Lüneburg in 1952 and in 1965 into a new building on Uelzener Straße, which it shared with its partner insurer for life insurance, the Landeslebenshilfe, and extended in 1992. Today LKH is still a mutual and describes itself as not tied to any group. In 2025 it insured 155,299 people with full cover and 334,599 people in total.

FAQ

Questions about LKH

Ask us anything
Does LKH offer service in English?
LKH's app, documents and service centre work in German. We stay your English-speaking contact and handle the German side with you.
Is LKH a mutual insurer?
Yes. Landeskrankenhilfe V.V.a.G. belongs to its policyholders, has no shareholders and is not part of any group.
What can I do if my LKH premium goes up?
You can switch to another LKH tariff with comparable cover and keep your savings for old age, which German law guarantees. For benefits that the new tariff adds, a surcharge, a waiting period or an exclusion may apply. We check your options with you before you switch.

Is LKH right for you?

Jonas MarxFounder, licensed insurance broker

In a free 30-minute call on Zoom, we compare LKH with the rest of the market for your situation.

    Compare LKH with the market

    Prefer to write first? Email us at info@thegoodbroker.de.

    Sources and status ·
    1. [1]LKH, contact (service centre, hours, email)
    2. [2]LKH, imprint (legal name, register)
    3. [3]LKH, about us ("nicht konzerngebunden")
    4. [4]Landeskrankenhilfe V.V.a.G., annual report 2025 (155,299 people with full cover, 334,599 insured people in total)
    5. [5]LKH, history (1926, 896 members, 1929, 1952, 1965, 1992)
    6. [6]LKH, "Meine LKH" app and portal
    7. [7]§§ 150 and 151 VAG, § 22 KVAV (minimum share of the surplus); § 204 VVG (tariff switch with the same insurer)
    8. [8]Favourite tariffs: TheGoodBroker comparison system, 15 October 2026