TK

Techniker Krankenkasse (TK) is Germany’s largest statutory health insurance fund by membership, with approximately 11 million members and a reputation as one of the most expat-friendly health insurers in the country. Founded in Hamburg in 1884, TK has consistently ranked at or near the top of German health insurance satisfaction surveys.

For expats in Germany, TK is particularly notable for its strong English-language services. It offers an English-language website, an English app, an English hotline (available during business hours), and English-language explanatory materials — making it one of the most accessible statutory health insurers for non-German speakers.

TK’s additional benefit catalogue goes well beyond the statutory minimum: contributions to alternative medicine, professional teeth cleaning, certified wellness apps, bonus programmes for preventive screenings, and mental health support are all included or subsidised. TK also covers travel vaccinations beyond the standard programme, which is useful for internationally mobile expats.

Enrollment with TK is available online in English, and the process is straightforward for employees, students, and freelancers who qualify for statutory insurance. TK is accepted by all doctors and hospitals across Germany and has a large network of local service centres in major cities.