Die Techniker Reviews 

I've been with TK for about 7 years now. I'm currently self employed making minimum wage (if that) and the minimum amount of €230 that you have to pay for healthcare is ridiculous. This past year there were 2-3 months where I could not afford to pay my healthcare because I barely made enough to cover my rent. I understand it is "mandatory" but even after I have started to pay my insurance again they said I am not covered for any preventative healthcare. I've been paying my monthly insurance payments again for 3-4 months, but haven't gotten information about how much I am meant to owe them from previous months. A few months ago I went to see the doctor and they rejected me at the counter saying my insurance card was frozen.

I called them today and they said even though I have been paying the last months I am not able to get any healthcare unless it is "emergency care", they couldn't even give me a description of what emergency healthcare is they said "it's for the doctor to decide". But I get rejected from even having a general checkup to speak to a doctor about my health issues. Basically I'm paying for health care that I can't even use until I pay off my debt.

In what world is it ethical to make it mandatory to pay your healthcare and if somebody doesn't pay you still charge them for it but don't allow them to receive what they have paid for. It's not like I can go back in time and see a doctor when I have aching teeth or pain in my legs... now I can only go if I'm literally in an accident until I can afford to pay off my debt.

I wanted to order a new card and change my address and TK made it very simple and convenient. Customer service was prompt to answer the phone call and thankfully in English as well. The CS personnel was super friendly (Sebastian I think) and resolved my issue within minutes. I had another issue a while back which was also resolved quickly.

The pricing is okay and seems to be the same with other providers so I can’t complain.

I just got off the call with their support team and I just wanted to say they stood out among other services in Germany - extremely polite, friendly and helpful! I was so worried and both people I spoke to were reassuring and kind. Thank you :)

It’s not easy since e-receipt has been applied. in app I can’t find the name of the medications the doctor prescribed me before I go and buy in Apotheke.i have rights to have access and see the names but instead, I have to go to Apotheke stay in a queue and get the information there and then leave without buying the medicine as I need to do some research before using it. And also the card is not suitable for online Apothekers where you want to use use this e Rezept.

TK has not covered costs for many of my treatments:
- abroad treatment of dentists appointment following an accident
- osteopathic treatments
to name a few.

They hide behind red paper and looks like they need to be sued. I would not have chosen them if I had known this.

Worse health insurance ever..I call them and they just close the call on my face..and happened at least 10 times in 3 months!they are really not serious and you must struggle so much just to know easy questions!I will change them immediately

For all non-German users. AVOID AT ANY COST.
If I could put 0 stars I would. Been with the company since 2017 and today at exactly 15:30 I called them for a very simple problem with a very simple solution and the person on the line was very UNFRIENDLY and with RACISTIC behavior and comments such as the Nazistic expression: "STOP, STOP, STOP" tried to silence me and disregard my request to send a proof of my payments that had been done 10 days prior and my card was still blocked. The incident has been reported to other very friendly supervisors but still, it is unacceptable for a company to employ racists and unfriendly personnel to immigrants that have supported their success for almost a decade with their contributions. Nie wieder Faschismus

I choose TK because of English language, I had a problem with family insurance, they just blocked my son insurance, when I called English speaking line, woman answered, she were very rude, telling me that we give you for free family insurance, and you didn’t filled out the paper, you should be happy we do that for free, when I say it is law in Germany,and I am paying a lots of money for that,she just screamed something and hanged up the phone. Very bad costumer service, and arguing we got the privilege that kids are free., well we pay monthly half of salary to insured with kids.

I try since a few weeks to get some basic information from them. NOT POSSIBLE! The only answer I got was: "You have to download a membership form". Alle weiteren Fragen werden nicht mehr beantwortet, The first contact was with a rep on the phone. Nice talk, but thats about it. Nothing happened!After writhing a Facebook message, I got another email address, but gues what??? NOBODY IS INTERESTED! Gute Nacht Deutschland.
UPDATE: The only problem TK has was: I used a name of a rep in the text, this is not allowed. I EXPECTED ACTUALLY AN APOLOGY, BUT NO, NOT IMPORTANT!! Give your head a shake!

Not perfect but overall very happy with the service.

They are so rude to foreigners. When I first talked to them to register with TK as an international student who is here only for 6 months they were very sweet but now it’s a nightmare. They treat you like you bad. They are rude to you on call. They take money for time period when I wasn’t even registered with them or used any of their services. They don’t care about the services just about the money under the name of health insurance. They aren’t helpful at all, won’t understand your situation and speak with you rudely as if it’s you who’s getting payed. They don’t know C of customer service. Can you imagine 33% of reviews are one star reviews and I think if people could give negative stars they would. This speaks volumes about their services. If you’re interested in getting your money’s worth don’t go to them and if you’re an international student definitely don’t go to them.

They charge you even when you are not present in Germany- worst Insurance Company - not at all recommended.

When Customer hasn't avail any service, moreover he's not even present in Germany because of Visa Delay, how can you charge.

Around 2 months wasted- because of your policy - that's very unfair and not justified.

Frankly I don't know if all of these reviews are from real people. This is a predatory organization. My girlfriend came to Germany as a refugee from Ukraine and last month she applied for insurance coverage. They first rejected her application stating she's too old to be a student (she's 19). They then accepted her application but tried to pin 900 euros on her claiming she had been covered already for the past 7 months. The level of brazen shameless predatory business practices of this organization is outright criminal.

I myself am also insured with them. Their support on the phone is horrendous. They just want to get paid and their level of humanity is just zero.

Right now they are trying to prevent me from switching to another insurance company by smearing my name to the other insurer and not sending them their requested data in time.

Please please never use their service. they literally will steal from you. especially if you are a student please don't use them. I started my education Sep 2023 from home ( online ) and I came to Germany on Feb 21 2024 and went to their office located at the university. and sign with them. and then the day after that they sent me an invoice for the previous semester which I was never in Germany. I am forced to pay 740 euro and they don't accept any argument. please stay far away

Edit: They fixed my issue Thank you Tk.

they are thieves! stay away from them! they were claiming that i owe them money for the time i wasnt in germany and my regiostration was cancelled, as well as insurance. they were harrasing me with letter
demanding 10k of fictional debt. by phone tk worker was arguing with me that they cannot canel my insurance because i came back to germany.!!!! which is lie, they have no law to ask anybody for insurance after you leave germany and you are not registred in his country anymore. they were asking me to explain myself and showing proof of insurance abroad. it is not theyi business what and where i was doing aborad!!! they are breaking law to privaxcy. they think Stasi is still there!!!! Tk is rubbish compan led by greedy ithieves! if tthey will ever claim same thing from you know you rights, it took me lots of stress! and lawyer told me to send the letter showing meaning of t Section 30 SGB I. dont pay them anything, they just want to stole your money!!!!

I have been with TK for 4 years already paying so much in monthly contributions. I could not even get a "HausArtz" within the same city where I live now and requested help, which TK could not even help with.
It feels they care about money but do not want to provide any service. I am already planning to move to a different insurance

I sent an enquiry for helping me an English speaking doctor as I had an allergy specialist in Berlin who refused to speak to me in English. She is from an immigrant background from the middle east. There is no way she could not try.

So, I tried to avoid that situation and messaged TK to ask help. I felt mocked. I got an email from the app in German. And then a letter to remind me that they replied to my enquiry in the app, but the reminder was in English. You have templates for common letters but could not bother to spend a minute to translate your answer to your clients? You are a disgrace.

If u could leave negative stars I would. DONT UNDER ANY CIRCUMSTANCE USE THIS INSURANCE THEY WILL RIP YOU OFF AND THEY ARE A BUNCH OF LAZY POOP PEOPLE WHO WANTS YOUR MONEY. i'm being charged 1000 euros for 8 months worth of insurance when i am still meant to be insured under my family. I am a poor student who does not have a job because tk is the devils spawn. I can't get a job I have sent all of the information to tk about why they shouldn't have changed my insurance WITHOUT MY PERMISSION, i live in a town really far from the nearest tk office but i still went there to talk and they couldn't even figure it out themselves and had to call someone else to help. Germany is the worse place to live because of its burocraty. I hope to leave this hell one day but unfortunately I am still dependent on my family to chose to come here and can't leave. So now I am stuck with this terrible insurance that will not help you will only cause you more headache. This is my second review because they are just this terrible. All they want is your money without really understanding what you need. If I could say bad words here it would be filled of them because I am that mad. I hope to change into a new provider once I'm old enough and can't use my parents family insurance. I hope tk goes bankrupt and they dissappear from the world.
Edit 1: don't believe their lies, family insurance is possible. I went there yesterday and spoke with them. Don't trust contacting them through the phone. I was informed that the reason why it is so complicated is because I contacted over the phone and there were multiple entries about my case so they didn't know what to do anymore. Your workers will open the request and NEVER follow through. Don't you dare give me some half assed response that you are just copying and pasting. If this was america there would've been so many lawsuits against this company it's ridiculous. If this was the purge the representative of tk would be the first to go.

I had the worst experience with TK, the 22nd i have booking from Luanda to Tunisia, the flight was delayed almost an hour in Luanda, then another delay in Libreville for another 2 hours. in Libreville, the TK team were looking confused, i mean the cabin crew and the ground staff, it seems that they had a problem with passengers counting, they made every passenger on the aircraft worried. We reached to istanbul at around 8am because of the delay so i had an hour for my next flight to Tunisia and like everyone else i run to the gate, i reached the gate 25 mns before departure, I approached the staff, she told me that the gate is closed and the flight is gone, i told her but we have 25 mns more, she was very arrogant, she told me “ i said the gate is closed means closed dont you understand”.
Then I have to go to transfer desk to change my flight, i have to queue for almost an hour, luckily i found a flight on the same day, I reached Tunisia and my luggage was not there, I made a lost luggage complain, Till now i did nit receive my luggage. I called TK office they gave me the ops number 98…I'm calling since morning and of course he/ she will never answer. I decide to never use TK again.by the way my ticket one was costs me more than 2k USD, and at the end i did not even have my luggage, another thing the ground staff in Istanbul airport are so rude, they are not helpful, what ever information you ask for they never answer you. Very bad experience with TK.

I've been with TK for almost 7 years as an expat and it's hands down been the best customer service and support for any of my German providers. Their English service is amazing and these are some of the most consistently nice and patient people I've interacted with for German bureaucracy. Thank you so much for making what is usually a stressful situation so much easier! I would highly recommend them.