보험 비교 2026
Techniker Krankenkasse (TK)vs.HEK — Hanseatische Krankenkasse
혜택, 비용, 보장 세부사항을 포함한 독립적 비교.
✓ 공식 보험 문서 기반 ✓ 업데이트 2026년 4월 ✓ 독립 비교
| 기능 | Most Popular Techniker Krankenkasse (TK) 상세 보기 | Below-Average Rate HEK — Hanseatische Krankenkasse 상세 보기 |
|---|---|---|
| | | |
| €141.16 더 나음 | €142.87 | |
| €146.29 더 나음 | €148.00 | |
| 2.69% | 2.89% | |
| | | |
| 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 €150/year cash for preventive behavior | |
| | | |
| Excellent — dedicated English hotline (24/7), English TK-App, English website | Limited — German primary | |
| TK-App (available in English)ePA (electronic patient record)TK-Doc video consultationsOnline health coursesDigital fitness tracking (Google Fit, Samsung Health, Fitbit integration) | HEK-AppePA (electronic patient record)Online member portalOnline video consultationsDigital document upload | |
| 12.3 million | 740,000 | |
| 방문 Techniker Krankenkasse (TK) → | 방문 HEK — Hanseatische Krankenkasse → |
€141.16 더 나음
€142.87
€146.29 더 나음
€148.00
2.69%
2.89%
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 €150/year cash for preventive behavior
Excellent — dedicated English hotline (24/7), English TK-App, English website
Limited — German primary
TK-App (available in English)ePA (electronic patient record)TK-Doc video consultationsOnline health coursesDigital fitness tracking (Google Fit, Samsung Health, Fitbit integration)
HEK-AppePA (electronic patient record)Online member portalOnline video consultationsDigital document upload
12.3 million
740,000
최적의 플랜을 찾으셨나요?
더 많은 플랜을 비교하거나 바로 신청하세요 — 몇 분 안에 보장 시작.