Health Insurance (Krankenversicherung)
TK (Techniker Krankenkasse) Review (2026)
Best for: Students under 30 who want Germany's most popular insurer with the best digital experience
Setup fee
€0.00
Monthly fee
€117.34
Setup time
Enrollment takes 1-2 weeks; requires university admission letter
Languages
DE, EN
Mobile app
Yes (4.6/5)
Key Features
- Germany's largest public health insurer — 11M+ members
- Lowest Zusatzbeitrag among major public insurers (1.2%)
- Excellent TK app with digital health features
- Comprehensive coverage: GP, specialist, hospital, prescriptions
- Bonus program for preventive health activities
- Offices in every major German city
Limitations
- English support limited outside major cities
- Only for students under 30 (or under 37 in special cases)
- Fixed student rate — no cheaper plan available
- Must be enrolled at a recognized German university
Pricing Plans
Student Rate (under 30)
€117.34/month
€1408.08/year
- Full public health + nursing care insurance
- Fixed student rate: €117.34/month
- GP, specialist, hospital, prescriptions covered
- Dental basics included
- Mental health treatment covered
Eligibility
Who can use TK (Techniker Krankenkasse)?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | Non-EU students accepted with valid enrollment |
| nationality: eu citizen | Accepted | EU citizens accepted |
| visa type: student visa | Accepted | Primary target audience |
| visa type: language course visa | Not accepted | Language course students need private insurance |
| visa type: job seeker visa | Not accepted | Not eligible — need employment-based insurance |
| language: no german required | Accepted | Website and basic support in English |
| age: under 30 | Accepted | Student rate available until age 30 |
About TK (Techniker Krankenkasse)
Germany's largest public health insurer with over 11 million members. TK is known for excellent digital services, a well-rated app, and slightly lower additional contributions than competitors. Popular with international students for reliable service.
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Alternatives to TK (Techniker Krankenkasse)
Care Concept
Setup: €0 | Monthly: €35.70
Students over 30 who need affordable insurance, or budget-conscious students who want the lowest premium
AOK
Setup: €0 | Monthly: €118.93
Students who prefer in-person service and live near an AOK office
Barmer
Setup: €0 | Monthly: €119.53
Health-conscious students who value bonus programs and telemedicine
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