保险对比 2026
Techniker Krankenkasse (TK)vs.HEK
独立的保障、费用和覆盖详情对比。
✓ 基于官方保单文件✓ 更新于 2026年4月✓ 独立对比
| 功能 | 最受欢迎Techniker Krankenkasse (TK) — 学生健康医疗保险查看详情 | 低于平均费率HEK — 汉萨地区公共健康保险查看详情 |
|---|---|---|
| 费用与保费 | ||
| 每月总保费（23岁以下） | €141.16更优 | €142.87 |
| 每月总保费（23岁以上无子女） | €146.29更优 | €148.00 |
| Zusatzbeitrag附加费率Additional contribution rate set by each insurer | 2.69% | 2.89% |
| 保障与待遇 | ||
| 心理健康/心理治疗 | Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage — psychotherapy, psychiatry, inpatient treatment |
| 牙科奖励制度 | Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups |
| 健康奖励计划 | ||
| 奖励金额 | Up to €200/year cash (or €400/year as Gesundheitsdividende) | Up to €150/year cash for preventive behavior |
| 服务与数字化 | ||
| 英语客服支持 | Excellent — dedicated English hotline (24/7), English TK-App, English website | Limited — German primary |
| 数字化服务 | 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) | HEK-App · ePA (electronic patient record) · Online member portal · Online video consultations · Digital document upload |
| 参保人数 | 12.3 million | 740,000 |
| 访问Techniker Krankenkasse (TK) — 学生健康医疗保险 → | 访问HEK — 汉萨地区公共健康保险 → | |
费用与保费
每月总保费（23岁以下）
€141.16更优
€142.87
每月总保费（23岁以上无子女）
€146.29更优
€148.00
Zusatzbeitrag附加费率
Additional contribution rate set by each insurer
2.69%
2.89%
保障与待遇
心理健康/心理治疗
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage — psychotherapy, psychiatry, inpatient treatment
牙科奖励制度
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
健康奖励计划
奖励金额
Up to €200/year cash (or €400/year as Gesundheitsdividende)
Up to €150/year cash for preventive behavior
服务与数字化
英语客服支持
Excellent — dedicated English hotline (24/7), English TK-App, English website
Limited — German primary
数字化服务
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)
HEK-App · ePA (electronic patient record) · Online member portal · Online video consultations · Digital document upload
参保人数
12.3 million
740,000
常见问题
常见问题
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.
HEK costs €142.87/month for students under 23 (or with children) and €148.00/month for students aged 23+ without children. Breakdown: €87.38 base health insurance + €24.71 supplementary contribution (2.89%) + €30.78 long-term care insurance (or €35.91 if childless and 23+).
Not quite — TK's supplementary rate is 2.69% vs. HEK's 2.89%, so TK is €1.71/month cheaper (€141.16 vs. €142.87 for students under 23). HEK is still well below average and among the more affordable nationwide public insurers in 2026.
HEK's English support is limited — the primary language is German. There is no dedicated English hotline. If English support is essential, TK, BARMER, or SBK are better suited. For students with German skills, HEK's low supplementary rate makes it attractive.
找到最佳计划了吗？
比较更多计划或直接申请——几分钟内获得保障。