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TK Healthinsurance for Indians in Germany

TK Healthinsurance for Indians in Germany

 
NEOdirect · Public Health Insurance Explained in English Students · Employees · Families

Techniker Krankenkasse (TK) — Start strong in Germany

One of Germany’s top public health insurers. Fast reimbursements, English support, powerful app — ideal for expats, students and professionals.

✓ 24/7 English support ✓ Fast digital claims ✓ Visa & enrolment letters
Service
English support
App · Chat · Hotline
Speed
Fast reimbursements
Digital receipts
Coverage
Preventive & family
Screenings · Midwife

Why TK?

Alternative care
Acupuncture · Homeopathy (up to ~€100/yr)
Free doctor choice
Wide network · Specialists
Family support
Household help · Midwife (~€250)
Prevention
Skin checks from 20 · Dental cleaning (~€40/yr)
Travel & vaccines
EU emergency cover · Vaccinations
Digital-first
TK App · Bonus Program · eSicknote
Apply online
Fast approval
Confirmation letter
for Visa/Uni
Processing time
~1–3 days
Support
24/7 English

Get an Amazon voucher after successful registration. Terms apply.

Apply for TK now
“I applied via NEOdirect and had my TK confirmation in 2 days. Super easy!”
Ananya · Student
“English support + great app for reimbursements. Exactly what I needed.”
Rohan · Software Engineer
“Perfect for families — midwife support and quick responses.”
Priya · Mother of two

FAQ – TK Health Insurance

Who can apply?
Students, employees, freelancers and expats living in Germany.

How long does approval take?
Usually 1–3 working days with a confirmation you can use for visa or university.

Can I switch to TK?
Yes, switching from another insurer is possible with proper notice.

Is support available in English?
Yes — phone, chat and app offer English service.

✅ Apply for TK now
Join Germany’s award-winning public health insurance — with NEOdirect guidance.

Tips

✅ 5 Tips for Getting the Most Out of TK (Techniker Krankenkasse)

  1. Download and use the TK app
    The TK app is your digital assistant – submit documents, manage sick leave, and access certificates. Available in English and German.

  2. No German? No problem!
    TK offers English-speaking customer support via phone and email – perfect for expats, students, and newcomers in Germany.

  3. Take advantage of the student rate
    If you're under 30 and enrolled at a university, you benefit from a lower monthly premium. Make sure to apply before your studies begin!

  4. Combine with dental add-ons
    TK already covers many dental services like check-ups and cleanings. With a good dental supplement, you're fully protected at a low cost.

  5. Join the TK bonus program
    Earn rewards or cashback for staying healthy – through fitness activities, vaccinations, and preventive care.

FAQ

❓ 5 Frequently Asked Questions about TK (FAQ)

  1. Can international students join TK?
    ✅ Yes! TK is one of the most popular public health insurance providers for international students in Germany. All services are available in English.

  2. How do I apply?
    👉 Simply fill out the online application here:
    Apply to become a TK member

  3. Will I receive a health insurance card?
    ✅ Yes. You will receive your electronic health insurance card by post after signing up – it’s valid at all doctors in Germany.

  4. How much does it cost?
    Students pay around €120 per month. For employees, the contribution is based on your income (approx. 14.6% + additional contribution).

  5. I'm already in Germany – can I still sign up?
    ✅ Absolutely! You can apply even after arrival. Just make sure to apply as soon as possible to avoid gaps in coverage.

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