Techniker Krankenkasse

4.8

Members

~11.5 million

Zusatzbeitrag

1.20%

Founded

1884

Best For

Expats, tech-savvy members, anyone who values excellent digital services and English support

Advantages

Best-in-class app and digital services (TK-App, TK-Doc)

Excellent English-language support and website

Competitive Zusatzbeitrag at 1.20%

Generous Zusatzleistungen (osteopathy, travel vaccines, PZR)

Highly rated bonus program (up to €180/year)

TK-Doc: 24/7 online doctor consultations

Comprehensive health courses and prevention programs

Fast claims processing and responsive customer service

Disadvantages

Zusatzbeitrag slightly above the cheapest options (hkk is lower)

Some Zusatzleistungen require prior approval

Large organization — can feel impersonal for some

Our Verdict

Germany's largest Krankenkasse and consistently the top-rated. Known for exceptional digital services, excellent English support, and a wide range of Zusatzleistungen. The gold standard for public health insurance. With an overall rating of 4.8/5, TK is one of the top choices in the public insurance market. At a Zusatzbeitrag of 1.20%, it's competitively priced.

Related Guides

Public Insurance (GKV)

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Costs & Contributions

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Switching Insurance

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