Register with TK

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TK is the largest public health insurance company in Germany based on the number of members. It’s expat friendly and offers website, mobile app, and customer service in English.

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How Much Can You Save By Registering with TK?

Suppose you are registered with another public health insurance provider. You check your savings potential if you switch to TK.
Do you have children? *

Your current contribution

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 € per month

By switching the insurance provider, you can save up to

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 € per annum

Well done! You are already insured with the cheapest public health insurance provider.

Employees who earn less than 556 € per month or 6672 € per annum fall under “mini-job” category. In this situation, you don’t pay any health insurance premium if you are covered via other means, such as family insurance or student health insurance. If you are not covered by these means, then you pay the minimum health insurance premium, i.e., around 279.6 € per month.

Employees who earn between 556 € and 2000 € per month fall under “midi-job” category. In this situation, your employer pays the bigger portion of the health insurance premium.

The calculator was last updated on 23 Dec. 2024

You are eligible for private health insurance

Private health insurance offers more options to improve your medical coverage and reduce the monthly cost.

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How is the premium calculated?

Monthly gross salary

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NA

Income considered to calculate the premium

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Rate

Amount

General contribution

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%
0.00

Additional contribution

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%
0.00

Long-term nursing care

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%
0.00

Total Contribution

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%
General contribution + Additional contribution + Long-term nursing care contribution
0.00

Your employer’s contribution

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%
0.00

Your contribution

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%
0.00

Total Contribution

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%
General contribution + Additional contribution + Long-term nursing care contribution
0.00

Income considered to calculate the premium*
Your gross monthly income is considered when calculating the premium. However, there are the following minimum and maximum limits.
Minimum income: 1248.33 €
Maximum income: 5512.5 €
Income considered for students: 855 €

General contributions (Krankenversicherung)*: It’s set by the government and is the same for everyone and every public insurance company.
It’s 14.6% of the income considered.
It’s 10.22% of income considered for students.

Additional contribution (Zusatzbeitrag)*: It’s set independently by each public health insurance provider. The Germany-wide average is 2.5%.

Long-term nursing care contribution (Pflegeversicherung)*: The government sets it, and it varies from 2.6% to 4.2% depending on your age and number of children.

*as of 23 Dec. 2024

Advantages of Registering With TK

expat friendly public health insurance - TK

Expat Friendly

TK customer service

Best Customer Service

Truly Digital

TK bonus program

Bonus Programs

Who Can Register With TK?

Students

Employed

self-employed

Self-employed

civil servant

Civil Servants

This is how it works

Register with TK

1. Complete the form

It takes less than 3 minutes.

welcome letter for registering with TK

2. TK welcome letter

You’ll usually receive it within 14 business days.

documents to register with TK

3. Provide additional information

TK may request additional information or documents, such as photo, tax statement, etc., if applicable.

TK health insurance card

4. Get your health insurance card

You’ll get it within two to three weeks after submitting the additional information.

Frequently asked questions

You’ll stay insured with your current health insurer until you become the member of TK.

Health insurance is compulsory in Germany. Your current health insurer cannot cancel your health insurance plan till you are a member of a new health insurance provider. This ensures uninterrupted medical coverage.

No, TK will cancel your current public health insurance on your behalf. You don’t have to do anything.

You won’t receive a cancellation confirmation from your previous public health insurance company.

Suppose you were previously insured with a private health insurance. In this case, TK will send you a letter that confirms you have a valid health insurance policy. You can show this letter to your previous private health insurance company so that they can finalize the cancellation of your policy.

You can read more about how to cancel your private health insurance here.

Yes, you must serve a notice period of two full calendar months when changing your public health insurance provider.

Moreover, you must stay with the new health insurer for at least 12 months before you can switch again.

In other words, you can only make the switch if you are a member of the previous health insurer for more than 12 months.

When you start your TK membership, you can register with ‘My TK’ and can download a replacement certificate (Ersatzbescheinigung). You can show this certificate at the doctor’s clinic.

You must fill out the form. If TK requires any additional documents, they will contact you.