It is actually difficult to select the appropriate medical insurance in Germany. There are actually hundreds of alternatives, each social and also exclusive. You could possess become aware of Techniker Krankenkasse presently. It is actually the biggest hygienics insurance carrier in Germany.

I am actually a TK consumer due to the fact that2015 I was actually along with TK as a trainee, as a worker and also as a consultant. This is my testimonial of their solutions.

What is actually TK?

Techniker Krankenkasse ( or even TK) is actually a hygienics insurer ( Krankenkasse) in Germany. It is actually the biggest wellness insurance carrier in the nation, along with 10.4 thousand participants 1, 2 TK is actually a charitable business, like all hygienics insurance providers in Germany.

The amount of carries out TK medical insurance expense?

Your medical insurance payments rely on your earnings. This holds true for all hygienics insurance providers in Germany, featuring TK.

Hygienics insurance policy prices in between 14.6% and also 15.5% of your earnings, however your company shares of it. TK medical insurance prices 15.3%, so you spend 7.65% 1 The optimum addition for staff members is actually 428 EUR monthly2019

Trainees simply spend 92 EUR monthly 1 Consultants spend the total 15.3% alone. They do not receive aid coming from their company. All hygienics insurance providers possess identical rates.

Beneficial web links:

Carries out TK provide assistance in English?

Yes, however certainly not formally. You can easily register in English on TK’s English site ( or even along with this streamlined kind), however the remainder of the site is actually simply readily available in German. The participants region ( Meine TK) is actually simply readily available in German. All your communication is going to remain in German. If they need to have one thing coming from you, they will definitely talk to in German.

On the silver lining, phone and also conversation assistance is actually readily available in English.

My private adventure along with TK

I was actually a TK consumer due to the fact that I relocated to Berlin in2015 I possessed an extremely beneficial encounter along with all of them.

Exceptional insurance coverage

In my adventure, TK deals with every thing without talking to inquiries You visit the physician, you reveal your medical insurance memory card, and also you receive the therapies you need to have. That’s it.

I have actually visited physicians, physio therapists, foot doctors, therapists, psychotherapists and also dental practitioners. TK purchased every thing without requesting inquiries.

There is actually absolutely nothing even more to state concerning it. It merely operates.

Pricey for consultants

The expense of TK medical insurance depends upon your earnings. If you gain much more, it is actually much more pricey. This holds true for all hygienics insurance providers, certainly not merely TK.

If you are actually a consultant, your company does not share of your medical insurance. If you gain a whole lot, you can easily compensate to 815 EUR monthly in medical insurance!

Alternatively, exclusive medical insurance is actually valued depending on to your grow older and also wellness. If you are actually younger, well-balanced, childfree, freelance and also well-paid, exclusive medical insurance may be a lot more affordable.

This is actually why choosing exclusive medical insurance occasionally brings in even more feeling. Our experts reveal it in our overview to social and also exclusive medical insurance. This is actually one reason TK could certainly not be actually the most effective possibility for you.

Great assistance

TK uses several means to call all of them. You can easily name all of them, utilize their on the web conversation or even inquire to name you. Their on the web conversation is among the most effective I have actually utilized. They address promptly along with very clear, thorough responses.

A handful of times back, I acquired a character that I performed certainly not comprehend. They responded to each of my inquiries and also informed me precisely what to carry out in lower than 10 mins.

The consumer assistance additionally readily available in English.

Meine TK

The majority of traits may be carried out online in TK’s participants’ region, Meine TK You can easily upgrade your private info and also review your information online.

You can easily select to obtain all your email online. When there is actually a brand new information, you obtain an e-mail. You may simply look at the information on the TK site. You need to enter into an SMS code to access your information. The TK mail box is actually merely a checklist of PDF characters coming from TK. .

You can easily additionally download and install essential records coming from Meine TK

You can easily additionally talk to Techniker Krankenkasse to locate a session for you. They deliver you an SMS when they have actually located a session for you. This may be really beneficial if you do not talk German with complete confidence, and also do not possess a physician however. I simply found this while creating this testimonial, so I have not attempted it however.

Meine TK permits you to send or even download and install records online. You hardly need to have to deliver one thing through email. You can easily additionally download and install records for your company, the Ausländerbehörde and also BAföG right coming from TK’s site.

What others state concerning TK

Techniker Krankenkasse is actually excellent. It is actually the best-rated hygienics insurance carrier in every contrast:

I am actually certainly not cherry-picking realities. Every short article I have actually located positions TK initially. My insurance policy broker, Rob, additionally mentioned that it is actually easily the most effective people possibility.


Techniker Krankenkasse is actually an outstanding hygienics insurer. As a lasting consumer, I am actually really contented.


  • The majority of solutions are actually readily available online via their site
  • They purchase every thing without talking to inquiries
  • Ranked ideal hygienics insurance carrier in numerous evaluations
  • They can easily aid you locate a physician consultation


  • British assistance is actually readily available, however certainly not assured
  • Exclusive medical insurance creates even more feeling for some folks

Just how to register with TK

If you really want be actually guaranteed along with the Techniker Krankenkasse, stuffing this streamlined document. It simply takes 10 mins, and also Popsure looks after the remainder.

Join Techniker Krankenkasse

You can easily additionally undergo the procedure your own self on the TK site. They possess a British signup kind.

This short article utilizes associate web links. When you hit these web links and also register with TK, our company create a little bit of loan. Our experts make use of that loan to spend our holding costs, extend the site and also give to charitable organization. Our experts carry out certainly not allow that influence our customer reviews.

Resource web link .