TK health insurance, explained

Why people choose TK

Best for: Employees who want strong digital service, English-language support and a non-regional alternative to AOK.

• Founded 1884

  Established 1884. ≈11 million members.

• Zusatzbeitrag (2026): 1.7%

  On top of the base public rate (~14.6%), each Krankenkasse charges a small Zusatzbeitrag. The number changes annually.

• Standard public benefits

  Same statutory benefit catalogue as every public insurer — Krankenkassen mainly differ on service and additional benefits.

• Switching is easy

  You can switch Krankenkassen with two months' notice. Cancellation is straightforward and benefits continue uninterrupted.