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17.29%
TK Total Rate 2026
14.6%
Statutory Base Rate
2.69%
TK Zusatzbeitrag 2026
17.5%
Official Average 2026
12.3M
TK Members (Germany's Largest)

About TK — Why It Matters for Expats

Techniker Krankenkasse (TK) is Germany's largest statutory health insurer (gesetzliche Krankenversicherung / GKV), covering 12.3 million people. Founded in 1884 originally for technical workers, TK has evolved into one of Germany's most modern, digitally advanced insurers.

For expats, TK stands out for three key reasons: partial English support (the only major German public insurer to offer English-language phone service), a below-average contribution rate (17.29% total vs. the official average of 17.5%), and an excellent digital app with English functionality for routine tasks.

On 19 December 2025, TK's supervisory board set the 2026 Zusatzbeitrag at 2.69%, up from 2.45% in 2025 but still well below the government-mandated average benchmark of 2.9%. The total rate of 17.29% makes TK one of the most affordable major public insurers in Germany for 2026.

💊 TK Monthly Cost Calculator 2026

Enter your gross salary to see exact employee contributions. Employer pays the other half.

Your Estimated TK Costs 2026

TK contributions in 2026: what you actually pay

Every statutory health insurer in Germany charges the same base rate of 14.6% of your gross salary. What differs is the supplementary contribution (Zusatzbeitrag) that each fund sets itself. For 2026, TK's Zusatzbeitrag is 2.69%, up from 2.45% in 2025 — giving TK a total contribution rate of 17.29%.

For context: the official average Zusatzbeitrag for 2026 is 2.9%, so TK stays clearly below average — one reason it remains one of the more affordable large funds despite this year's increase. TK is also Germany's largest statutory insurer, covering around 12.3 million people.

If you are employed, you never pay the full 17.29% yourself. Your employer pays half of the total contribution, so your share is 8.645% of your gross salary, deducted automatically from your payslip. Here is what that means in real money:

€259.35
Your Monthly Share at €3,000 Gross
€389.03
Your Monthly Share at €4,500 Gross

One important side effect of the increase: because TK raised its Zusatzbeitrag, existing TK members have a special cancellation right (Sonderkündigungsrecht) — they can switch to another fund without waiting out the usual minimum membership period. New members are unaffected and can join TK at the 2026 rate at any time.

TK vs AOK vs Barmer vs DAK — Full Comparison 2026

All German statutory health insurers must provide the same legally mandated base coverage (hospital, doctor, prescriptions). The differences come in the Zusatzbeitrag (supplementary contribution rate) and optional extra benefits. Here's how the major players compare for expats:

Criterion TK ★ AOK Barmer DAK
Total Rate 2026 17.29% varies by region: 16.7–18.3% 17.89% 17.80%
Zusatzbeitrag 2026 2.69% varies by region 3.29% 3.20%
English Phone Support ✓ Partial ✗ ✗ ✗
English App / Portal ✓ Partial ✗ Partial ✗
Digital-First Experience ★★★★★ ★★★☆☆ ★★★★☆ ★★★☆☆
Bonus Programs TK-Bonusprogramm (up to €150/year) AOK-Bonus varies Barmer Bonus DAK Active
Telemedizin (Online Doctor) ✓ TK-Doc ✓ ✓ ✓
Blocked Account Partner ✓ Expatrio & Coracle ✗ ✓ Coracle & Drop Money ✓ Fintiba
Family Coverage Free for children / non-earning spouse Same Same Same
Expat Verdict Best overall for expats Regional option if no TK available Lowest Zusatzbeitrag 2026 Best with Fintiba bundle

What TK Covers — Key Benefits for Expats

All German statutory insurers cover the same legally required services. Here's what that means in practice for expats:

🏥 Hospital Treatment
Fully covered in any contracted hospital in Germany. No referral needed for emergencies. €10/day co-pay for first 28 days per year.
👨‍⚕️ Doctor Visits (Arzt)
Free at any Vertragsarzt (contracted GP or specialist). No co-pay for doctor visits since 2013 (Praxisgebühr was abolished).
💊 Prescriptions (Medikamente)
€5–€10 co-pay per prescription (Rezept). Covered: generic drugs, some brand drugs. Not covered: lifestyle drugs, some OTC medications.
🦷 Dental (Zahn)
Basic dental covered: checkups, fillings (amalgam), extractions. Crowns and implants require additional Zusatzversicherung — GKV only pays a fixed subsidy.
🤰 Maternity (Mutterschaft)
Full prenatal and postnatal care. Mutterschaftsgeld (maternity pay) via employer/TK. Midwife visits covered. Free prenatal checkups.
🧠 Mental Health (Psyche)
Psychotherapy covered after Kostenübernahmeverfahren (approval process). TK has shorter waiting times than many competitors. Online therapy partially covered.
✈️ EU Travel Coverage
European Health Insurance Card (EHIC) — treatment covered in all EU/EEA countries. Outside EU: limited coverage. Consider travel insurance supplement.
📱 TK-Doc (Telemedizin)
Free video consultations with TK-contracted doctors via the TK app. Some services available in English. 7 days/week availability.

GKV vs. PKV: Should You Consider Private Insurance?

Germany's health insurance system has a fundamental split: GKV (gesetzliche Krankenversicherung) — statutory public insurance like TK — and PKV (private Krankenversicherung) — private insurance.

For most expats, especially those earning below the Versicherungspflichtgrenze of €77,400/year gross (2026), GKV is mandatory. If you earn above this threshold, you can opt out of GKV and take PKV instead. Key considerations for expats:

Family co-insurance (Familienversicherung): cover your family for free

One of the biggest advantages of statutory insurance like TK is that your family can often be covered under your membership at no extra cost. Spouses and registered partners who have little or no income of their own can usually be co-insured free of charge — and the same applies to your children.

Children are covered free of charge until they turn 18. If they are still in school, university, or vocational training, free co-insurance generally continues up to the age of 25. For many expat families this makes GKV far better value than private insurance, where every family member needs their own paid policy.

How to Enroll with TK as an Expat

  1. Apply online at tk.de — TK has an English enrollment path for employees. Select "Mitglied werden" → follow the online form.
  2. Submit documents: Work contract (Arbeitsvertrag), passport/ID, and in some cases visa/residence permit copy.
  3. Receive Mitgliedsbescheinigung — TK membership certificate. Give this to your employer immediately — they need it to register you with the system.
  4. Employer handles contributions — Your employer deducts your employee share (8.645%) from your salary and pays both their portion and yours directly to TK.
  5. Get your health card (Gesundheitskarte) — arrives by post within 2–3 weeks. Show it at every doctor visit. Lose it? Report via TK app for replacement.
💡 Student Tip: Students enrolling in TK via Expatrio or Coracle get a streamlined process — health insurance and blocked account can be set up simultaneously. TK student insurance has a special reduced rate for students under 30.

New to Germany and don't speak German yet? Using TK in English

Dealing with a health insurer is stressful enough without a language barrier. TK is one of the most international-friendly statutory insurers in Germany, which is a major reason so many expats choose it:

Day to day, most expats can manage nearly everything with TK in English. German still helps for specialist letters and hospital administration, but you won't be left alone with a translator app for the essentials.

Frequently Asked Questions

Related Guide:

Planning to study in Germany? TK partners with Expatrio for combined blocked account + health insurance enrollment.

Blocked Account Guide + TK Bundle →