Die Techniker Reviews 

This was the worst experience ever. They deliberately withheld information from me in order to delay my compensation, even after I was diagnosed by three different doctors and forced to leave my job for over two months. I called their customer service multiple times, but no one ever provided me with the full information I needed and continued to then present me problems via email only but when I called they did not give me further info.
This, of course, delayed the process and ultimately made it impossible for me to obtain what was rightfully mine—despite presenting three different medical certificates from three different doctors.
I did not feel supported or protected by TK, even though they should be on the side of their customers in times of need.

Easy and fast use of the Tk app - fast communication - happy with the services offered.

I like the customer service but the system isn’t the best with the people

Deutsch:
Ich habe jahrelang viel Geld an die Techniker Krankenkasse gezahlt, aber davon absolut keinen Nutzen gehabt. Einen Termin bei einem Facharzt bekommt man frühestens nach 6 Monaten – wenn überhaupt. Mehrere meiner notwendigen Operationen wurden abgelehnt, mit der Begründung, ich müsse mir Bestätigungen von Ärzten holen, die direkt mit der TK zusammenarbeiten. Natürlich haben diese Ärzte abgelehnt. Jahrelang habe ich an massiven Atemproblemen gelitten, und die TK hat die dringend benötigte Operation nicht übernommen. Am Ende musste ich privat bezahlen, damit ich überhaupt wieder normal atmen konnte.

Alle Beiträge über so viele Jahre haben mir in meiner Gesundheit nicht im Geringsten geholfen. Stattdessen fühlt es sich so an, als wolle die TK nur mein Geld. Vor kurzem forderten sie sogar noch 700 Euro zusätzlich, wegen angeblicher Berechnungsfehler. Nur eine Woche nach deren Schreiben kam bereits ein Brief vom Hauptzollamt Berlin, um das Geld einzutreiben!

Für mich ist die TK eine katastrophale Krankenkasse – unzuverlässig, unfair und schlichtweg respektlos gegenüber den Versicherten. Sie lächeln im Büro, wenn sie Ihre Beiträge kassieren, aber sobald man wirklich Hilfe braucht, tun sie alles, um die Leistung abzulehnen. Eine absolute Schande. Ich rate jedem dringend ab, sich bei der TK zu versichern.

English:
I have paid a lot of money to Techniker Krankenkasse for years, but received absolutely no real benefit from it. Getting an appointment with a specialist is nearly impossible – you have to wait at least 6 months, if at all. Several of my necessary surgeries were rejected, with the excuse that I needed confirmation from doctors who work directly with TK. Of course, those doctors refused. I suffered for years with serious breathing problems, and TK refused to cover the surgery I urgently needed. In the end, I had to pay privately just to be able to breathe normally again.

All those years of contributions did nothing to improve my health. Instead, it feels like TK only wants your money. Recently, they even demanded an additional €700 from me due to a so-called calculation error. Just one week after their letter, I received a notice from the Hauptzollamt Berlin to collect the money!

For me, TK is a disastrous insurance company – unreliable, unfair, and completely disrespectful toward their members. They smile at you in the office when they take your money, but the moment you actually need help, they do everything possible to reject your case. Absolutely shameful. I strongly advise everyone: do not insure yourself with TK.

I need to point out how great their english speaking consultants are, nice, friendly and helpfull.
I was talking to Sebastian and Saska and they navigated me patiently and have been really helpfull. I would always recommend this part of TK service to people who are not sure in their german speaking skills.

The process as a self-employed takes ages. I still did not get my health insurance (wainting for more than 6 months in the process). The costumer support does not answer my email. Just does not work for me.

I strongly advise students not to use TK’s services. They charged me a total of €432 for April, May, and June even though I was not in Germany during that time. I only arrived at the mid of June, and my blocked account was activated in early July after my arrival.
During those three months, I was in my home country and did not attend any classes, either online or in person. Despite explaining this clearly via phone and email, TK did not understand my situation.
As a student, this is a significant financial burden, and I find it very unfair. Based on my experience, I cannot recommend TK to other students.
Thank you for your past service, but I will be switching to another health insurance provider.

I need to admin that the phone support in english is amazing. I really felt they cared and wanted to help me with my case. I am more than grateful for their help. I know I pay for it but still sometimes you need to deal with really unprofessional people, however not with TK.

I contacted the people in the membership department and one of them was an unprofessional person and tried to hang up the phone several times without any solution and I asked him to connect me to the manager but he refused because he speaks English unprofessionally. Since two months or more I am connecting this department to solve a family memebership issue, everyone transfer the call to another without having anythings and I have to repeat myself again and again.

I've been at the TK years ago, left to another country and back with them since 12 years now. Honestly I could call their hotline only to, on a bad day, increase my trust in the humane race. The general services, I don't know as I never tried any other Krankenkasse, but the hotline is just amazing and largely desserves my 5 stars.

Avoid this health insurance. They claim they didn’t receive my tax returns, and started charging me 1500eu per month for health insurance. It took me MONTHS to solve it. Once I call their customer service - they immediately hang up once I ask for someone English speaking. When I went to a physical office, they do nothing there, call their colleagues and saying there is nothing they can do. It took me months and countless hours to sort this out. But then they slammed me with ‘late fees’. 500 eu in late fees, which technically wasn’t even my fault. And once I paid that, they sent another bill for 280 eu. When I asked what is it for - nobody knew. Just that if they say it - I must pay it. Honestly this insurance was stealing from me in the broad daylight. Avoid it at all costs!!!

I have had nothing but difficulty since arriving in Germany with TK. Eventually I got them to accept me as a client. They sent me a bill for over 1000 euros in back payments. I sent them three prescriptions for expenses I incurred during that time and they refused to pay because they were “private prescriptions”. But I’m still expected to back pay them for that same period. News for them, I won’t and I don’t care what they do to me.
One of their staff also called me crazy and an idiot and gave me a fake name. When I called back another staff member pretended that no name from the last staff member was left.

This is an abusive company that can’t be trusted. They are liars, manipulative, abusive frauds. Avoid at all costs.

My experience with TK has been an absolute disaster. I came to Germany as a student and chose their insurance, but from the start, they showed an incredible lack of professionalism and transparency.

They never properly informed me about the activation of my insurance. I received no confirmation, no health card, and no clear instructions.
Despite completing their activation process and providing all the documents they requested, I didn’t receive any confirmation letter until December, months after my arrival.
Worst of all, that letter included a demand for 760 euros in retroactive payments for insurance I never had access to. How can they justify charging me for months when I wasn’t properly registered, had no health card, and no access to services?
Their communication was terrible. They only responded to one of several emails I sent, and never clearly explained the fees or the reason for these abusive charges.
When they finally responded, their only excuse was that “the law requires payment from the start,” completely ignoring their own administrative mistakes and poor management.
This isn’t just bad service—it's abuse. As an international student, I felt scammed and completely unprotected by a company that clearly takes advantage of people’s lack of information.

If you’re thinking about choosing TK, think twice. Their lack of responsibility, communication, and empathy is unacceptable.

I used tk as my health insurance provider for my masters in germany through expatrio value added package . When i was trying to enroll at my university, my university mailed me saying that they haven't got the m10 health insurance confirmation certificate electronically from tk . Expatrio and tk say in their website that they send the document instantly. Contacted tk and first they were unable to fetch my details from my first name and second. They even told that they dont have a user in that name . At last after providing dob they told me they have electronically send it . University rejects the claim from tk . Dont know what to do .

The worst ever insurance experience I have ever faced in the last 10 years. Though I have applied for visa way before my college start date, I have received my visa almost two months after my college start date and it clearly states that I cannot enter germany before a certain date and hence legally I have to be charged only from the date of my arrival as im not responsible for not entering early. If i asked them about this, Tk bluntly says that we are not responsible for your visa delay and you have to pay from the start date even though your visa did not allow you into germany. My university friends have paid from their date of arrival but they are asking me to pay the extra amount. I even told them that I wanna cancel and look for other alternatives and they told me to cancel without any hesitation. If this is the case, international students will suffer a lot and they will have to pay the insurance amount even when they are not allowed to enter germany on legal grounds. I would like them to intervene in this matter and if they resolve my issue, i would definitely change the review. Until then I would not recommend any student to purchase TK for your(student's) good.

If you're an international student over 30, terminate your membership ASAP. This company is an absolute nightmare—disorganized, dishonest, and completely incompetent.

They already had my salary details from my employer, calculated my contributions, and confirmed how much I owed. Then, at the last minute, they suddenly "recalculated" everything and demanded even more money! How do you get it wrong twice when you already have all the information?!

They ignore emails, dodge questions, and refuse to provide clear answers. Every time I ask for a breakdown of their shady charges, they send vague responses or ask me to call them instead of putting things in writing. I want clear documentation, not excuses.

They stall and delay everything on purpose. The moment I tried to cancel my membership, they suddenly "discovered" extra charges and made up new payment demands. They do everything possible to trap you and make you keep paying.

Their customer service is useless. They barely speak English, keep passing me around from one rep to another, and still fail to explain anything properly. It’s clear they don’t even understand their own policies.

If you're an international student over 30, RUN. Find another provider that actually knows what they’re doing. 🚨

I am extremely disappointed by the lack of professuonality of tk on my matter. I have Lipedema stage 3, diagnosed by 2 different doctors expert on the matter and I applied for the insurance to pay for the liposuction treatment. After their doctor, nowhere close to have competence in matter of lymphatic system and plastic surgery, refused the diagnosis I received, I sent a "Widerruf" , I contested said decision in September 2024. They never answered, even after solicitation. I then decided to move country, choice affected by this, and the moment TK confirms I moved away, they provide finally an answer on this matter "we can't do it since you moved". Absolutely disappointed. Forget them to care about your chronic conditions and provide cure, they can just sell drugs.

I don’t really understand the 30% of the negative reviews. I have been insured at TK since I came here in 2014. I have always had a positive experience with it and would recommend it to everyone. My children are also insure through TK family insurance at no extra cost. As my elderly father came here in 2022 as a refugee from Ukraine. I signed him up for TK insurance as well. It was probably the only organization in Germany he’s never had any problems with so far.

I did not have a single good experience with TK.

First, for 4 months I couldn't actually get a card. Not only did TK forget to send me documents / the documents didn't reach me, they didn't call/email about missing documents, as I frantically was going between their offices.

Then, someone marked my 3-year old stay in Germany for studies as "temporary visit" in their systems (completely incorrectly), REMOVING MY ACCOUNT and marking me ineligible for insurance - forcing me to go through registration again.

Nothing can be done online, everything needs to be sent by post.

They are lying about support in English. The only webpage translated from German is their *registration page* to get you hooked in. Whenever you try to change the language of any of their services, you are redirected to a registration page, asking you to join TK. No, thank you, won't make this mistake again.