Techniker Krankenkasse - Expert Health Coverage for Expats in Germany
Our English-speaking team at Neodirect is here to guide you through the process and answer any questions.
TK Techniker Krankenkasse
👍 Start your journey in Germany – with Techniker Krankenkasse (TK)
Are you new to Germany or planning to study or work here? Then you need reliable health insurance that not only supports you in case of illness but also helps you manage everyday life.
Techniker Krankenkasse (TK) has been one of the top public health insurance providers in Germany for years – offering:
✔️ Excellent customer service in English
✔️ Fast reimbursement of medical expenses
✔️ Easy-to-use online services via app
✔️ Strong support for students, families, and professionals
With TK, you are well covered when it comes to your health.
TK HEALTH INSURANCE
🏆 Experience Award-Winning Health Coverage with TK
🌱 Alternative and Natural Treatments
Discover alternative treatments like acupuncture and herbal medicine. TK covers costs for chronic pain therapies and homeopathic remedies – up to €100 per year.
🏥 Comprehensive Care and Free Choice
Choose your own doctor or hospital. TK offers flexibility with a wide network of specialists and medical centers, ensuring high-quality treatment tailored to your needs.
👪 Family-Friendly Support
TK supports your family with services like household help during illness and up to €250 for on-call midwifery services – giving you peace of mind when it matters most.
🔍 Early Detection and Preventive Care
Stay healthy long-term with early screenings such as skin cancer checks from age 20 and €40 reimbursement for professional dental cleaning each year.
✈️ Travel and Vaccinations
TK covers recommended vaccinations and provides extended emergency care across Europe – far beyond local healthcare standards.
📲 Digitalization and Comprehensive Service
Manage everything digitally with the TK app – from submitting sick notes to using the TK Bonus Program and reaching support via phone, email, or chat 24/7.
🛠️ Individual Tariffs and Additional Insurance
Customize your coverage with optional tariffs like the TK "Traveller Tariff" for international insurance and exclusive upgrades for more protection.
🏅 Award-Winning Customer Service
Voted Germany’s best public health insurance provider for 17 years in a row – TK combines top service, transparency, and real benefits for members.
Tips
✅ 5 Tips for Getting the Most Out of TK (Techniker Krankenkasse)
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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. -
No German? No problem!
TK offers English-speaking customer support via phone and email – perfect for expats, students, and newcomers in Germany. -
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! -
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. -
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)
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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. -
How do I apply?
👉 Simply fill out the online application here:
Apply to become a TK member -
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. -
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). -
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.