TK in comparison with other providers

Choosing your health insurance provider is a huge decision, and there are plenty of factors to consider. Everyone has their own needs, and plans can be tailored to suit individuals. Most providers are capable and reliable, but some stand above the others.

Techniker Krankenkasse, Barmer, and DAK Gesundheit are three of the leading providers, but which one is the best? And why is Techniker Krankenkasse (TK) often considered the best provider for both German natives and international residents? This quick table will help you decide which fund to choose for your all-important coverage.

See our page on the TK Bonus Program for more information about bonus program-accessible treatments for this provider.

German Health Insurance Providers





Contribution rate

             70.87 €                  76.06 €                  73.47 €

Professional teeth cleaning

Y (As part of the TK  Bonus Programme) Y (Only up to 60 € per year) N

discounted dentures (dental prosthesis)


influenza vaccination


Travel vaccination

Y (Includes Cholera, Tick-Borne Encephalitis, Yellow Fever, Hepatitis A and B, Japanese Encephalitis, Malaria, Meningitis A and C, Rabies, and Typhus) Y (Same as TK, except Tick-Borne Encephalitis is not covered) Y (Same as TK)
Breast cancer prevention Y Y Y (Coverage differs by region)
Colorectal cancer prevention Y (For participants in Bonus Programme) N N
Skin cancer prevention Y Y Y
Osteopathy Y (Up to 120 €/year) Y (Up to 120 €/year) N
Homeopathic Treatment Y (Full coverage for selected therapists) N Y
Homeopathic Medication Y (Up to 100 €/year) Y (Up to 100 €/year) N
in vitro fertilization Y (250 € for first 3 attempts, 50% coverage for subsequent attempts) Y (250 € for first 3 attempts only) N
Prenatal Care N Y Y
Midwives on-call-standby Y (250 € allocation per pregnancy) Y (250 € per pregnancy) Y (Only 200 € per pregnancy)
Medical tests for Children and Adolescents Y Y Y (All cover J2, U10, and U11 testing)
Service-Telephone Y Y Y
Agencies in each ‘Bundesland’ Y (in 7 regions) Y (in 7 regions) Y (in 9 regions)
Health Courses Y Y Y
Alternative Treatment


(Traditional Chinese medicine, Ayurvedic treatments, Anthroposophic Medicine, Alternative Cancer Therapies)


(Limited to 100 EUR allowance for Anthroposophic Medicine per year, and appointments with selected alternative cancer therapists)

Barmer: N (Only selected Chinese traditional therapists)


The information was retrieved from our partner and translated to English. This comparison might not be mutually exclusive and collectively exhaustive.