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TK (Techniker Krankenkasse) is considered the largest statutory health insurance fund in Germany, insuring over 12 million people as of May 2025. It is known for high-quality digital services, broad coverage, and strong support for expats and students.
What does TK cover?
1) Basic medical coverage
• Medical consultations and treatment: doctor visits, hospital care, prescribed medicines, and physiotherapy.
• Mental health: covers psychotherapy sessions and psychological counseling.
• Vaccinations: includes travel vaccines such as malaria and hepatitis, as well as flu shots.
• Physiotherapy: covers up to 90% of costs with a medical prescription.
• Alternative medicine: covers homeopathy consultations for up to 60 minutes. (expatrio.com)
2) Dental services
• Dental check-ups: two free check-ups per year.
• Dental treatments: covers basic fillings, with higher coverage possible if you maintain a regular check-up record.
• Orthodontics: available for children and adults in specific eligible cases.
Extra benefits and incentive programs
TK Bonus program
• Point system: rewards health activities such as dental check-ups, sports courses, and preventive screenings.
• Rewards: points can be converted into cash rewards (e.g., €30 per 1,000 points) or used for additional services such as acupuncture or gym memberships.
Prevention and health promotion
• Health courses: financial support for fitness, meditation, and smoking cessation courses.
• Preventive check-ups: including cancer screening, skin checks, and children’s check-ups.
Digital services and support
• TK app: manage insurance, upload sick notes, and contact support.
• TK-Doc: 24/7 video medical consultations.
• TK-Safe: a secure electronic health record to store and share medical data.
• Appointment service: help booking doctor appointments, especially useful for expats.
Contributions and costs
• Base contribution rate: 14.6% of gross income.
• Additional contribution (Zusatzbeitrag): 2.45% from January 2025.
• Split: contributions are shared between employee and employer.
Support for expats and students
• Multilingual support: customer service in English and other languages.
• Free family insurance: family members without additional income can be insured free of charge.
• Student health insurance: discounted rates starting at around €126.71 per month.
Ratings and awards
• Best health insurance fund: TK was named “Best health insurance fund in Germany” by Focus Money 2025, for the 19th year in a row.
• High ratings: rated “excellent” in 6 out of 11 categories, including digital services, care, and customer service. (tk.de)
How to sign up
• Online registration: join TK easily via the online registration form on their official website.
• Personal support: consultations by phone or at TK branches across Germany.
ـ* The website’s writers and editors strive to provide accurate information through extensive research and multiple sources; however, errors may occur or some details may be uncertain. Please treat this as initial guidance and consult the relevant authorities for confirmed information.
