보험 비교 2026
Techniker Krankenkasse (TK)vs.DAK-Gesundheit
혜택, 비용, 보장 세부사항을 포함한 독립적 비교.
✓ 공식 보험 문서 기반 ✓ 업데이트 2026년 4월 ✓ 독립 비교
| 기능 | Most Popular Techniker Krankenkasse (TK) 상세 보기 | DAK-Gesundheit 상세 보기 |
|---|---|---|
| | | |
| €141.16 더 나음 | €145.52 | |
| €146.29 더 나음 | €150.65 | |
| 2.69% | 3.20% | |
| | | |
| Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage — psychotherapy, psychiatry, inpatient + online mental health programs | |
| 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) | AktivBonus: no upper cap on cash rewards (1 point = €1), +20% for health services, up to €500/year for sport and fitness gear | |
| | | |
| Excellent — dedicated English hotline (24/7), English TK-App, English website | Limited — primarily German-speaking; some English resources on website | |
| TK-App (available in English)ePA (electronic patient record)TK-Doc video consultationsOnline health coursesDigital fitness tracking (Google Fit, Samsung Health, Fitbit integration) | DAK AppePA (electronic patient record)Online fitness and health coursesDigital health coachingDAK Scan-App for document submissions | |
| 12.3 million | 5.6 million | |
| 방문 Techniker Krankenkasse (TK) → | 방문 DAK-Gesundheit → |
€141.16 더 나음
€145.52
€146.29 더 나음
€150.65
2.69%
3.20%
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage — psychotherapy, psychiatry, inpatient + online mental health programs
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)
AktivBonus: no upper cap on cash rewards (1 point = €1), +20% for health services, up to €500/year for sport and fitness gear
Excellent — dedicated English hotline (24/7), English TK-App, English website
Limited — primarily German-speaking; some English resources on website
TK-App (available in English)ePA (electronic patient record)TK-Doc video consultationsOnline health coursesDigital fitness tracking (Google Fit, Samsung Health, Fitbit integration)
DAK AppePA (electronic patient record)Online fitness and health coursesDigital health coachingDAK Scan-App for document submissions
12.3 million
5.6 million
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