Comparaison d'assurances 2026
Techniker Krankenkasse (TK)vs.DAK-Gesundheit
Une comparaison indépendante des prestations, coûts et détails de couverture.
✓ Basé sur les documents officiels✓ Mis à jour avril 2026✓ Comparaison indépendante
| Caractéristique | Most PopularTechniker Krankenkasse (TK)Voir détails | DAK-GesundheitVoir détails |
|---|---|---|
| Coûts & cotisations | ||
| Total mensuel (moins de 23 ans) | €141.16Meilleur | €145.52 |
| Total mensuel (23+ sans enfant) | €146.29Meilleur | €150.65 |
| Taux du ZusatzbeitragAdditional contribution rate set by each insurer | 2.69% | 3.20% |
| Couverture & prestations | ||
| Santé mentale / psychothérapie | Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage — psychotherapy, psychiatry, inpatient + online mental health programs |
| Système de bonus dentaire | Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups |
| Programmes de bonus | ||
| Montant du bonus | Up to €200/year cash (or €400/year as Gesundheitsdividende) | AktivBonus: no upper cap on cash rewards (1 point = €1), +20% for health services, up to €500/year for sport and fitness gear |
| Services & numérique | ||
| Assistance en anglais | Excellent — dedicated English hotline (24/7), English TK-App, English website | Limited — primarily German-speaking; some English resources on website |
| Services numériques | TK-App (available in English) · ePA (electronic patient record) · TK-Doc video consultations · Online health courses · Digital fitness tracking (Google Fit, Samsung Health, Fitbit integration) | DAK App · ePA (electronic patient record) · Online fitness and health courses · Digital health coaching · DAK Scan-App for document submissions |
| Membres | 12.3 million | 5.6 million |
| VisiterTechniker Krankenkasse (TK) → | VisiterDAK-Gesundheit → | |
DAK-GesundheitVoir détails
Coûts & cotisations
Total mensuel (moins de 23 ans)
€141.16Meilleur
€145.52
Total mensuel (23+ sans enfant)
€146.29Meilleur
€150.65
Taux du Zusatzbeitrag
Additional contribution rate set by each insurer
2.69%
3.20%
Couverture & prestations
Santé mentale / psychothérapie
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage — psychotherapy, psychiatry, inpatient + online mental health programs
Système de bonus dentaire
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
Programmes de bonus
Montant du bonus
Up to €200/year cash (or €400/year as Gesundheitsdividende)
AktivBonus: no upper cap on cash rewards (1 point = €1), +20% for health services, up to €500/year for sport and fitness gear
Services & numérique
Assistance en anglais
Excellent — dedicated English hotline (24/7), English TK-App, English website
Limited — primarily German-speaking; some English resources on website
Services numériques
TK-App (available in English) · ePA (electronic patient record) · TK-Doc video consultations · Online health courses · Digital fitness tracking (Google Fit, Samsung Health, Fitbit integration)
DAK App · ePA (electronic patient record) · Online fitness and health courses · Digital health coaching · DAK Scan-App for document submissions
Membres
12.3 million
5.6 million
FAQ
Questions fréquemment posées
TK costs €141.16/month for students under 23 (or with children). Students aged 23+ without children pay €146.29/month due to the additional nursing care surcharge. This breaks down as: €87.38 base health insurance + €23.00 Zusatzbeitrag (2.69%) + €30.78 nursing care (or €35.91 if childless and 23+).
Yes, TK has the best English support among German public insurers. They offer a 24/7 English-language hotline, the TK-App with English interface, an English website (tk.de/en), and English-speaking staff at many branches. Not all written correspondence is in English, but phone and app support are excellent.
Yes, if you are under 30 and enrolled in a degree program at a German university. You must sign up within the first 3 months of enrollment. Language course and preparatory course (Studienkolleg) students are not eligible for GKV.
TK rewards healthy behavior with up to €200/year in cash (or €400/year as Gesundheitsdividende if reinvested in health products). You earn points for preventive checkups, vaccinations, sports club membership, fitness tracking (via Google Fit, Samsung Health, or Fitbit), and health courses.
All GKV insurers cover the same legally mandated base benefits. TK stands out for international students thanks to its English-language support (24/7 hotline, English app), competitive Zusatzbeitrag (2.69% vs. BARMER's 3.29%), and strong digital services. AOK offers more branch offices, while BARMER excels in telemedicine and mental health extras.
DAK costs €145.52/month for students under 23 (or with children) and €150.65/month for students 23+ without children. Breakdown: €87.38 base health insurance + €27.36 Zusatzbeitrag (3.20%) + €30.78 nursing care (or €35.91 if childless and 23+). The DAK AktivBonus can pay back money for preventive behavior — no upper cash cap.
DAK has a higher Zusatzbeitrag (3.20% vs. TK's 2.69%), adding roughly €4.36/month. However, DAK offers an uncapped AktivBonus, osteopathy subsidies, alternative medicine coverage, and dental cleaning reimbursements that can offset the price difference depending on your usage.
DAK's English support is very limited. Most staff and resources are German-speaking. They do have some English content on their website, but no dedicated English hotline. If English-language service is important, TK or BARMER are better choices for international students.
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