Sigorta Karşılaştırması 2026
Techniker Krankenkasse (TK)vs.HEK — Hanseatische Krankenkasse
Avantajları, maliyetleri ve kapsam detaylarını içeren bağımsız karşılaştırma.
✓ Resmi poliçe belgelerine dayalı ✓ Güncellendi Nisan 2026 ✓ Bağımsız karşılaştırma
| Özellik | Most Popular Techniker Krankenkasse (TK) Detaylar | Below-Average Rate HEK — Hanseatische Krankenkasse Detaylar |
|---|---|---|
| | | |
| €141.16 Daha İyi | €142.87 | |
| €146.29 Daha İyi | €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 | |
| Ziyaret Et Techniker Krankenkasse (TK) → | Ziyaret Et HEK — Hanseatische Krankenkasse → |
€141.16 Daha İyi
€142.87
€146.29 Daha İyi
€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
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