tk insurance germany

TK Insurance Germany

TK Insurance Germany

TK (Techniker Krankenkasse) is a public health insurance company in Germany. Over 10.4 million people are insured with TK. This makes it the largest German public health insurance company. TK insurance in Germany is a popular choice for expats. One reason for this is because all of TK’s services are expat-friendly. For example, TK has a website available in English. It is also super easy to get TK health insurance online!

Table of Contents:

  1. Why do so many expats in Germany choose TK?
  2. What does TK insurance in Germany cover?
  3. Who can get TK insurance in Germany?
  4. How much does TK insurance cost?
  5. Get TK Insurance Online
  6. FAQs

1. Why do so many expats in Germany choose TK?

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tk insurance germany

So many expats choose TK insurance in Germany because TK is really simple! TK stands apart from other public health insurance companies because TK has all of their services available in English, including a website, customer support team and applications. Furthermore, TK has a really low additional contribution rate.

In addition, TK insurance fulfills all the requirements for a German visa. You can sign up online and there is no paperwork! And – most importantly – TK offers great coverage.


2. What’s covered?

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TK insurance in Germany covers a wide range of medical services. Below is a brief overview of some of the services TK covers:

Hospital care: You always have access to hospital care with TK. If you need to stay in the hospital for an extended period of time then you have to pay a co-payment. The co-payment amount is €10 per day, up to 28 days per calendar year.

Visits to the doctor: If you are sick then all you need to do is go to the doctor. When you arrive, show your TK health insurance card. You can choose whichever doctor you want, as long as the doctor is a licensed statutory health insurance fund doctor. TK will settle the bills directly with the doctors, so there is no paperwork for you!

Coverage abroad: TK health insurance includes the European Health Insurance Card (EHIC). It is on the back of your TK eHealth card. Present this card if you need to go to a hospital while traveling abroad.

Dental check-ups: TK covers dental examinations twice per year.

Medicines: TK covers the cost of medicines that your doctor prescribes. You will have a co-payment between €5 and €10 at the pharmacy. This co-payment is the same for all public health insurance companies in Germany.

Vaccinations: TK covers all vaccinations that the Standing Vaccination Commission (STIKO) recommends. TK will reimburse the vaccination cost.

Screening examinations: Most all screening examinations for adults, adolescence, and children are covered.

Glasses: TK will pay the cost of glasses and lenses at a fixed amount with a prescription from your doctor. This fixed amount is between 10€ and 113€ per glass.

Family insurance: Family members are included for free.


3. Who can get it?

Almost anyone can get TK insurance in Germany! If you qualify for German public health insurance then you can get TK health insurance. Anyone living in Germany needs German health insurance. Almost everyone living in Germany can get public health insurance. (There are a few exceptions in which you can apply for private health insurance.)

TK insurance in Germany is a great option for anyone living in Germany. TK is an especially good option for expats living in Germany that don’t speak fluent German. TK’s website, customer support, and application are all available in English. As a result, this makes things much easier if your first language isn’t German! It’s one less thing you have to worry about.

TK is also a good option for expats applying for a German visa. In Germany, to get a visa, you need to show proof that you have valid German health insurance. TK health insurance in Germany fulfills all the health insurance requirements for a visa.

You can get TK health insurance quickly and easily on the TK website!


4. How much does it cost?

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Your income determines how much you have to pay for TK health insurance. The higher your salary, the more you have to pay for public health insurance. This is the same for all public health insurance companies. You make two contributions for public health insurance in Germany. Both contributions are a percentage based off your income. The government sets the percentage for one contribution, known as the state contribution rate. Each insurance company sets their own second contribution, known as the additional contribution rate. TK has one of the lowest additional contribution rates.

State Contribution Rate

The state contribution rate is the same for all public health insurance companies in Germany. As of 2019, the state contribution rate is 14.6% of your income. You and your employer split this amount equally. In other words, you pay 7.3% and your employer pays 7.3%. For example, if you earn €1,000 per month, then your state contribution is €146. Therefore, you pay €73 and your employer pays €73.

One of the best perks of having TK insurance in Germany is that your dependents are included for free! For example, if you’re a family of four living in Munich, you don’t pay anymore than a family of 2 living in Berlin.

Additional Contribution Rate

The additional contribution rate is the amount of money insurance companies charge you in addition to the state healthcare contribution. Each public health insurance company sets their own additional contribution rate. Normally, it is less than 1%.

TK has one of the lowest rates. As of 2019, TK’s additional contribution rate is 0.7%. Since January 1, 2019, employers and employees split the additional contribution rate equally. As a result, if you have TK then you only pay 0.35%.


5. Get TK Insurance

It is super easy to get health insurance through TK! All you need is a computer. Go to TK’s homepage and complete a TK application online. Then you’re good to go! There is a separate application in English for students.


FAQs

(1) How long does it take to get TK health insurance?

You can get TK health insurance in just minutes online! If you go to TK’s website then you can fill out an application and get health insurance easily.


(2) Does TK cover medical care outside of Germany?

If you have TK health card then you will receive the European Health Insurance Card (EHIC). It will be on the back of your TK eHealth card. Using this card, you can get treatment from most public health hospitals and doctors in the EU, Norway, Iceland, Liechtenstein and Switzerland. Necessary medical care is covered for either a reduced price or for free with public health hospitals and doctors.  


(3) What’s the best public health insurance for students?

TK is one of the best public health insurance companies for students. To start, it is really easy to get health insurance online through TK. In addition, TK’s contribution rate is low. Lastly, TK offers really good medical coverage abroad.


(4) I just got TK insurance in Germany. When do I receive my insurance card?

TK will mail your TK eHealth card to you as soon as TK receives your passport photo.


(5) Which depen­dents can be covered under my insurance plan for no additional costs?

With TK, the following dependents can be included with no additional cost:
– Your spouse or civil partner in accordance with the German Civil Partnership Act [Lebenspartnerschaftsgesetz]
– Biological and adopted children (up to a certain age limit)
– Stepchildren and grandchildren who depend primarily on you


(6) How do I send TK my passport photo for the insurance card?

When you sign up for TK insurance, TK will send you all the documents you need. There is nothing you need to do before you receive these documents. You can send TK your passport photo online or through postal mail.


(7) Can I get travel insurance instead of public health insurance (e.g. Mawista or Cigna)?

If plan to live in Germany then you need German health insurance. Travel insurances like Mawista or Cigna do not fulfill the health insurance requirements for getting a visa in Germany. Even more, travel insurances are not in accordance with German laws and regulations about having German healthcare. For example, if you’re going on a trip to Berlin or Munich then a travel insurance is fine. On the other hand, if you’re moving to a city in Germany then you need to set up German health insurance with your employer. Travel insurance is not sufficient.


(8) Is there private health insurance in Germany?

Yes, there is private health insurance in Germany.


(9) Co-payments for medications at the pharmacy

The German National Association of Statutory Health Insurance Funds sets the prices for copayments. Therefore, every public health insurance company in Germany has the same regulations for co-payments. For example, the co-payment for medicine at the pharmacy will always be between €5 and €10. The Statutory Health Insurance website (in German) lists more prices for copayments.


More Information for Expats…

TK is one of the best public health insurance companies in Germany. However, you might also be eligible for German private health insurance. Employees that earn over €62,550 per year (as of 2020), students, freelancers and state officials (e.g. police officers) can apply for private health insurance. Our article explains everything that you need to know about private health insurance in Germany! You’ll also find a 5 minute video explaining how it all works.

In addition, make sure that you open a German bank account! You’ll almost certainly need one. For example, you’ll need a German bank account to receive your salary from your employer. You will also need to open a German bank account to pay bills. Our article about opening a bank account in Germany will tell you your best options!


One more thing!

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We have a new website just for expats in Germany. Get information about:


*Full Disclosure: Some of the links we use on this website are affiliate links. By using those links, you help keep our website free. There is no additional cost for you. We also want to note that we only recommend services we trust and that we would use ourselves.

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