TK help

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?

German Health Insurance Providers

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.

       Service/Provider

             TK

                DAK

              Barmer

Contribution rate*

            €105.80

                 €111.75

                €108.77    

Professional teeth cleaning

  • As part of the TK  Bonus Programme

  • Only up to €60 per year

          NO

Discounted dentures (dental prosthesis)

  •  

  •  

  •   

Influenza vaccination

  •  

          NO

          NO

Travel vaccination

  • Includes Cholera, Tick-Borne Encephalitis, Yellow Fever, Hepatitis A and B, Japanese Encephalitis, Malaria, Meningitis A and C, Rabies, and Typhus

  • Same as TK, except Tick-Borne Encephalitis is not covered

  • Same as TK

Breast cancer prevention

  •  

  •  

  • Coverage differs by region

Colorectal cancer prevention

  • For participants in Bonus Programme

          NO

          NO

Skin cancer prevention

  •  

  •  

  •  

Osteopathy

  • Up to €120/year

  • Up to €120/year

          NO

Homeopathic Treatment

  • Full coverage for selected therapists

          NO

  •  

Homeopathic Medication

  • Up to €100/year

  • Up to €100/year

          NO

In vitro fertilization

  • €250 for first 3 attempts, 50% coverage for subsequent attempts

  • €250 for first 3 attempts only

          NO

Prenatal Care

          NO

  •  

  •  

Midwives on-call-standby

  • €250 allocation per pregnancy

  • €250 per pregnancy

  • €200 per pregnancy

Medical tests for Children and Adolescents

  •  

  •  

  • All cover J2, U10, and U11 testing

Service-Telephone

  •  

  •  

  •  

Agencies in each ‘Bundesland’

  • in 7 German states

  • in 7 German states

  • in 9 German states

Health Courses

  •  

  •  

  •  

Alternative Treatment

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

  • Limited to €100 allowance for Anthroposophic Medicine per year, and appointments with selected alternative cancer therapists

NO

(Only selected Chinese traditional therapists)


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

*Contribution rates refer to long-term care for students aged between 23 and under 30.