مقارنة التأمين 2026
Techniker Krankenkasse (TK)مقابلAOK
مقارنة مستقلة تشمل المزايا والتكاليف وتفاصيل التغطية.
✓ بناءً على وثائق التأمين الرسمية ✓ تم التحديث أبريل ٢٠٢٦ ✓ مقارنة مستقلة
| الميزة | Most Popular Techniker Krankenkasse (TK) عرض التفاصيل | AOK عرض التفاصيل |
|---|---|---|
| | | |
| €141.16 | €139.28–€148.09 (AOK Bayern: €141.16) أفضل | |
| €146.29 | €144.41–€153.22 (AOK Bayern: €146.29) أفضل | |
| 2.69% | 2.47%–3.50% (varies by region; AOK Bayern: 2.69%) | |
| | | |
| Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage — psychotherapy, psychiatry, inpatient treatment | |
| Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups | |
| | | |
| Up to €200/year cash (or €400/year as Gesundheitsdividende) | Up to €200/year (varies by regional AOK) | |
| | | |
| Excellent — dedicated English hotline (24/7), English TK-App, English website | Limited — depends on regional AOK branch; varies significantly by city | |
| TK-App (available in English)ePA (electronic patient record)TK-Doc video consultationsOnline health coursesDigital fitness tracking (Google Fit, Samsung Health, Fitbit integration) | AOK App (Mein AOK)ePA (electronic patient record)Online service centerDigital health coursesAOK Gesundheitsnavigator (doctor finder) | |
| 12.3 million | 27 million (across all 11 regional AOKs) | |
| زيارة Techniker Krankenkasse (TK) → | زيارة AOK → |
AOK عرض التفاصيل
€141.16
€139.28–€148.09 (AOK Bayern: €141.16) أفضل
€146.29
€144.41–€153.22 (AOK Bayern: €146.29) أفضل
2.69%
2.47%–3.50% (varies by region; AOK Bayern: 2.69%)
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage — psychotherapy, psychiatry, inpatient treatment
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
Up to €200/year cash (or €400/year as Gesundheitsdividende)
Up to €200/year (varies by regional AOK)
Excellent — dedicated English hotline (24/7), English TK-App, English website
Limited — depends on regional AOK branch; varies significantly by city
TK-App (available in English)ePA (electronic patient record)TK-Doc video consultationsOnline health coursesDigital fitness tracking (Google Fit, Samsung Health, Fitbit integration)
AOK App (Mein AOK)ePA (electronic patient record)Online service centerDigital health coursesAOK Gesundheitsnavigator (doctor finder)
12.3 million
27 million (across all 11 regional AOKs)
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