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Techniker Krankenkasse (TK)

Techniker Krankenkasse

95Score

★★★★☆4.5

Customer satisfaction · 12.3M members

Focus Money: Beste Krankenkasse bundesweit(2026)DFSI: #1 Company Quality (15 years)(2026)Handelsblatt: #1 Overall(2025)

Germany's largest statutory health insurer with 12.3 million members. TK is consistently rated the best nationwide Krankenkasse by Focus Money and DFSI, offering a below-average Zusatzbeitrag, 24/7 multilingual support, and a comprehensive digital app.

Overall Score

95/100

Founded

1884

Headquarters

Hamburg

Type

statutory

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Key Metrics

Zusatzbeitrag

2.69%

Total Rate

17.29%

Bonus Program

yes

English Support

yes

Editorial Ratings

Focus Money: Beste Krankenkasse bundesweit(2026)

Rating: Beste Krankenkasse bundesweit (Best Nationwide) (max: Exzellent)

95Focus

DFSI: #1 Company Quality (15 years)(2026)

Rating: 1st Place — 15 consecutive years (max: Exzellent)

95DFSI

Handelsblatt: #1 Overall(2025)

Rating: #1 Overall — Best Value, Best Service (max: #1)

95Handelsblatt

Coverage Highlights

✓Osteopathy: up to EUR 120/year (3 sessions at EUR 40)
✓Alternative medicine: up to EUR 100/year (homeopathy, phytotherapy)
✓Professional dental cleaning: EUR 40/year subsidy
✓24/7 phone support in 7 languages including English
✓TK-Gesundheitsdividende bonus program

Pros

✓Lowest Zusatzbeitrag among large nationwide insurers
✓Award-winning digital app (TK-App) for claims and services
✓Full English-language support including phone, web, and documents
✓Consistently #1 in DFSI company quality ratings for 15 years

Cons

✗Some extra benefits (e.g. osteopathy caps) are lower than smaller competitors
✗Dental cleaning subsidy relatively modest at EUR 40/year
✗Branch office network smaller than AOK regional insurers

Frequently Asked Questions

What is TK's Zusatzbeitrag for 2026?

TK charges a Zusatzbeitrag of 2.69% in 2026, bringing the total contribution rate to 17.29%. This is below the national average of 2.9%.

Does Techniker Krankenkasse offer English-language support?

Yes. TK provides 24/7 phone support in 7 languages including English, Spanish, Polish, Turkish, Mandarin, and Arabic. Their website is also available in English at tk.de/en.

Can I join TK if I live anywhere in Germany?

Yes. TK is a bundesweit (nationwide) Krankenkasse, open to anyone living or working in Germany regardless of region.

What bonus programs does TK offer?

TK offers the TK-Gesundheitsdividende bonus program that rewards health-conscious behavior with cash bonuses and subsidies for preventive care activities.

Is TK a good choice for expats in Germany?

TK is widely regarded as the best GKV option for expats due to its comprehensive English-language support, user-friendly digital app, and consistently high service ratings.

Quick Summary

InsurerTechniker Krankenkasse (TK)

Country🇩🇪 Germany

Overall Score95/100

Satisfaction4.5/5

Members12.3M

Typestatutory

Founded1884

Other Insurers in Germany

DKV Deutsche Krankenversicherung

private

100

/ 100

Allianz Private Krankenversicherung

private

97.5

/ 100

AOK Rheinland-Pfalz/Saarland

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94.8

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HEK — Hanseatische Krankenkasse

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92.8

/ 100

Barmenia Krankenversicherung

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91.5

/ 100

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