TK

Techniker Krankenkasse

One of Germany's most important and well-respected health insurers, Techniker Krankenkasse plays a major role in the lives of millions of Germans and international residents. Its efficiently run, comprehensive health packages link customers, doctors, dentists, and even gyms all over the nation. It's also a major partner for Expatrio, so we thought we'd give TK a proper introduction. Read on to discover an insurer that could become part of everyday life during your German adventure.

About TK Germany

Techniker Krankenkasse (TK) is one of Germany's premier public health insurers. Far from an ordinary insurance provider, TK has been named Germany's best health insurance fund by Focus Money many times over.

This reputation is based on many things, from maintaining face to face relationships with customers, to strong multi-lingual support, and its reliable insurance packages for workers, families, and students. Service lies at the heart of everything we do. That focus has driven TK to the top of German health insurance rankings.

Is TK insurance private or public?

TK is one of Germany's Krankenkassen, meaning that it is a public insurer. As such, the fund doesn't base its operations around maximizing profits. Instead, it is run for the public benefit, and only charges small supplementary fees to fund its operating expenses.

In accordance with German Federal Law, TK provides statutory healthcare support, including dental and medical appointments, and assistance with obtaining medication.

How can I apply for the TK Bonus Program?

Membership is available for all TK customers. With a Bonus Card, customers can then earn points for attending checkups and exercising, and these points can be converted into rewards.

TK Bonus Program

TK's customers can enjoy the benefits associated with the TK Bonus Program - the fund's innovative points scheme.

Does TK insurance cover dental?

Yes. TK will cover the cost of dental checkups, and will also contribute towards the costs of fillings and caps, crowns, and denture fittings if required. There may be supplementary fees for some more complex procedures, but most simple dental work is covered.

Which vaccinations are covered by TK?

TK will cover the cost of vaccinations that are recommended by the International Standing Committee on Vaccination (STIKO) for each separate country.

This should cover the most dangerous diseases, wherever you intend to travel. Coverage will include the appointment to receive vaccinations, but may not cover all of the vaccines themselves. Supplementary fees may apply.

How can I become a TK member?

The easiest way to join TK is by signing up online.

Expatrio can help you sign up fast and easily. You can visit the Expatrio Health Insurance service page to start the process today.

TK offers an online application form, with separate forms for students and workers. Everything is in English and written in easy to understand language. And the steps required to join are kept as simple as possible.

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History of the Techniker Krankenkasse

TK can trace its history back to October 27, 1884, when a group of technicians and engineers gathered to create a comprehensive health insurance body. At a time when the German state was seeking to deepen support for workers, TK sought to serve the technical experts who were powering the nation's rapidly industrializing economy.

However, it didn't become a modern insurer for many decades. It took until 1927 for legal changes to convert the grant-making body into a proper occupational insurer.

From the 1950s, TK developed into a broader-based, democratically run organization, where members dictated who was in control. The fund constantly looked forward, pioneering coverage for unmarried partners and making sick pay easier to obtain.

Membership soared, hitting 1.1 million by 1984 (with 2.4 million insured). TK constantly adopted procedures ahead of the pack, making heart transplants mainstream well before other insurers. But it has still remained a very human organization, relying on an army of volunteers to liaise with members and assist with its many care centers.

In 1995, TK was a trailblazer once more, being the first insurer to create an online presence. Since 1996, it has also expanded from providing packages for technical workers, to serving all Germans - and foreign residents.

TK App

Be sure to check out the TK app, which makes it much easier to access insurance information for non-German speakers.

Nowadays, the innovation continues, from TK's popular apps, to the provision of acupuncture as a pain relief treatment. Wherever you look, TK sets the agenda for German health insurance, and this has been recognized by numerous industry experts.

For example, Focus Money magazine has named TK "Best German Health Insurance Provider" 13 times in a row, while the DFSI has given TK full marks in its GKV Quality Ratings.

Numbers and Facts

Some general facts about Germany's best Health Insurance provider.

  1. TK insures more than 10 million customers, making it Germany's largest and fastest growing health insurer.
     
  2. TK runs 200 branches, with locations all over Germany where customers can meet staff and volunteers.
     
  3. TK keeps administrative costs low, averaging 103 € per customer, below the GKV average of 151 €.
     
  4. In regular polling of TK members, 96.3% report that they are satisfied with the service provided.
     
  5. When members call TK, they have to wait, on average, just 24 seconds to get through to a team member.
     
  6. Every year, TK spends around 7.4 billion Euros on hospital treatments, 5 billion Euros on other medical treatments, and provides 1.7 billion Euros in sick pay.

 

If you want to mix health advice and science-themed entertainment, TK have the answer. The insurer plays a big role in social media, especially via the v-logs of its YouTube star Dr. Johannes.

There are different topics like healthy and fast recipes, working at the TK, TK-driving school and much more.

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TK Partners

TK doesn't work alone. It operates a network of partners across German society, who promote the insurer and share its values.

For example, the fund has a long connection with FC St Pauli - the free-spirited Hamburg-based football club - where its social mission is as important as winning on the pitch.

Together with the team, TK has sought to motivate fans to live healthier lives with its "Weltverbesserer" (World Improver) program.

Along the same lines, TK also sponsors the Techniker Beach Tour - one of Europe's biggest beach volleyball tournaments.

But the fund goes beyond sporting links. Along with Handelsblatt newspaper, it runs the Health-i scheme, which seeks the health innovators of the future.

And not forgetting, TK has forged links with Expatrio, to help it serve international visitors more efficiently. We work with the insurer to connect new arrivals to the healthcare support they need, making relocation smoother, and keeping all German residents as healthy as possible.