Sigorta Karşılaştırması 2026
Techniker Krankenkasse (TK)vs.DAK-Gesundheit
Avantajları, maliyetleri ve kapsam detaylarını içeren bağımsız karşılaştırma.
✓ Resmi poliçe belgelerine dayalı ✓ Güncellendi Nisan 2026 ✓ Bağımsız karşılaştırma
| Özellik | Most Popular Techniker Krankenkasse (TK) Detaylar | DAK-Gesundheit Detaylar |
|---|---|---|
| | | |
| €141.16 Daha İyi | €145.52 | |
| €146.29 Daha İyi | €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 | |
| Ziyaret Et Techniker Krankenkasse (TK) → | Ziyaret Et DAK-Gesundheit → |
€141.16 Daha İyi
€145.52
€146.29 Daha İyi
€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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