Home/Germany/Techniker Krankenkasse (TK)

#1 in GermanyEditor's ChoiceBest Digital

Techniker Krankenkasse (TK)

by TK

★★★★☆4.7(15,678 reviews)

Techniker Krankenkasse is Germany's largest and highest-rated statutory health insurance fund, known for innovation and digital services.

Monthly Premium

€180 - €450

Deductible

€0

Coverage Type

comprehensive

Get a Free Quote →

No obligation. Compare personalized rates.

Coverage Details

✓Hospitalization

✓Outpatient Care

✓Dental

✓Vision

✓Mental Health

✓Maternity

✓Prescription Drugs

✓Emergency Care

✗International Coverage

✓Telehealth

Pros

✓Excellent digital services (TK-App)
✓Low additional contribution rate
✓Wide range of bonus programs
✓Top-rated customer service

Cons

✗Statutory insurance limitations apply
✗Some specialist wait times
✗Limited private room options

Editorial Review

“TK has been voted Germany's best health insurance fund for 15 consecutive years, setting the standard for digital healthcare.”

— Focus Money Krankenkassen-Test 2025

Key Highlights

✓Largest public health insurer in Germany
✓Lowest additional contribution rate
✓Award-winning TK-App

Quick Summary

ProviderTK

CountryGermany

Rating4.7/5

Reviews15,678

Typecomprehensive

Other Plans in Germany

AOK Plus

AOK

4.3

★★★★☆

Debeka PKV Premium

Debeka

4.5

★★★★☆

Allianz Private Health

Allianz

4.4

★★★★☆

BARMER

4.2

★★★★☆

DAK-Gesundheit

DAK

4.1

★★★★☆

Ready to get covered?

Get a personalized quote from TK today.

Get Free Quote →