TK (Techniker Krankenkasse): Germany’s largest statutory health insurance fund – coverage, benefits and digital services
TK (Techniker Krankenkasse) is the largest statutory health insurance fund in Germany,
insuring more than 12 million people as of May 2025. It is widely known for its high-quality digital services,
comprehensive health coverage, and excellent support for expatriates and students.
Medical consultations and treatment:
Includes visits to doctors, inpatient treatment in hospitals, prescription medicines and physiotherapy.
Mental health:
TK covers psychotherapy sessions and psychological counselling.
Vaccinations:
Includes travel vaccinations such as for malaria and hepatitis,
as well as seasonal flu vaccines.
Physiotherapy:
Reimbursement of up to 90% of the costs with a medical prescription.
Alternative medicine:
Coverage of homeopathic consultations (Homeopathy) for up to 60 minutes. (expatrio.com)
Dental check-ups:
Two free dental check-ups per year.
Dental treatments:
Coverage of basic fillings. For patients who keep a regular record of dental check-ups (bonus booklet),
the coverage for dentures and more complex treatments can be significantly higher.
Orthodontics:
Orthodontic treatment is available for children and adults, depending on the medical indication.
Points system:
Members collect points for health-promoting activities, such as:
regular dental check-ups
participation in sports or prevention courses
preventive and early detection screenings
Rewards:
Points can be:
converted into cash rewards (e.g. 30 € for 1,000 points), or
used to obtain additional health services, such as
acupuncture, alternative treatments or gym memberships.
Health courses:
Financial support for courses on:
fitness and physical activity
relaxation and meditation
smoking cessation
Preventive check-ups:
Including:
cancer screening
skin cancer checks
preventive examinations and check-ups for children
TK app:
The TK app allows members to:
manage their insurance digitally
upload sick notes
communicate with the TK service team
TK-Doc:
24/7 video consultations with doctors –
particularly helpful for people with tight schedules, expats and students.
TK-Safe:
A secure electronic health record where medical data can be stored and shared with doctors when needed.
Appointment service:
Assistance in finding doctors and booking appointments, especially useful for newcomers and international students.
General contribution rate:
14.6% of gross income.
Additional contribution (Zusatzbeitrag):
2.45% as of January 2025.
Cost sharing:
Contributions are shared between the employee and the employer according to statutory rules.
Multilingual support:
Customer service in English and other languages,
making TK particularly attractive for expats and international students.
Free family insurance:
Family members without their own income can be insured free of charge.
Student health insurance:
Reduced student tariffs starting at around 126.71 € per month.
Best health insurance fund:
TK was named “Best health insurance fund in Germany” by the magazine Focus Money in 2025 –
for the nineteenth year in a row.
Top ratings:
TK received a rating of “excellent” in 6 out of 11 categories,
including digital services, healthcare provision and customer service. (tk.de)
Online registration:
You can easily join TK via the online registration form on the official website.
Personal advice:
TK offers personal consultations by phone or in person at its many
offices throughout Germany.
ـThe editorial team of this website strives to provide accurate information based on extensive research and multiple sources. Nevertheless, errors may occur or some details may not yet be fully confirmed. The information in this article should therefore be regarded as an initial guide only. For binding and up-to-date information, please always consult the health insurance provider itself, competent authorities or professional counselling services.
