Die Techniker Reviews 

I call fake on these 1-star reviews.

Everyone I know thinks very highly of this company and after being a member, so do I.
The customer service is absolute premium.

Absolutely scammers company. I'm an expat who lived and worked in Hamburg. I took a paternity leave and left Germany, terminated my residence and sent all the documents to TK. But they are still trying to charge me for nothing although my family do not live in Germany anymore and I do not have any income or allowance. So now I have to find a lawyer who will help me to get rid of them.

Still waiting for coverage since May!
I constantly get told they will do something and it never happens, no matter the urgency.
I spent so long calling and being told to wait only to find out one week to the other that nothing had been done.
Every time I call, somebody new answers and has no idea what I am talking about. The emails get either ignored or answered randomly, without a proper response to my questions.
I never received an apology over any of their mistakes but got yelled at several times.
Since Corona started no doctor agreed to visit me without a German insurance card. Additionally, I cannot work in Germany without a German insurance. Not that anybody from the TK cares. "Just wait, it will get done". When? Nobody knows.
Need I say more? Apply somewhere else. For your own good.

this is the worst experience with any services in my life. It is a straight up FRAUD!!!

I did everything I could to cancel my account with them, but they are still charging me money every month.

I have left the country months ago, while the payment is still continuing after I made calls and emails

a disgrace!

The worst customer service from any company, world wide, not just in Germany. The place sounds like they are full of racists. Ironic that a health insurer that caters from international travellers and students are full of hate . They deliberately delay your requests and hide the email trail so there is no evidence of contact made months before. DO NOT TAKE OUT HEALTH INSURANCE WITH THIS COMPANY.

I'm impressed by all negative comments here, I guess the people just find the time to write reviews when something goes wrong, right? Well today I had such a lovely experience with TK customer service that I though it deserved an appraisal! And I am not usually the type that writes reviews... I speak very poor German and usually I am scared of calling places here, very often I was mistreated just for being an auslander. At TK however the customer service is sooo friendly, I catch myself thinking "oh yay I need to call TK today". They always solved my problems and have no problem with speaking English. So far I had no problems with the insurance as well, always used the health system and it was always accepted without issues. I recommend TK to all my auslander friends, I know some people that had very nasty problems with other companies.

Very negative experience:

Impossible customer service, incompetence coupled with uncoordinated customer processing, poor expectation management:
after incorrect calculation of contributions and admission on the part of TK, I was promised to be called back the same day to clarify the issue. No call back, no final clarification; after repeated calls on my part, I was repeatedly connected to other people who did not know the process, I was refused to speak to the supervisor of the classifications and membership department.

They use a one-time-password (OTP) system to confirm your address upon registration. Basically, they send this to letter to your address and you have to fill in the details on this letter. First of all, this whole system is prehistoric as there are many ways to confirm an address (e.g. online government login system).

Second of all, they completely screwed it up in my case. They do not say they have to send an OTP when filling in your address. I filled in my German address where I would live one month from now, so I did not receive the letter. I explained the situation, and they kindly said they would send a letter to my Dutch address instead. I received the letter, but the OTP field was blank! So I contact their customer support, and they are all locked up in this "we have to send the OTP" again. I literally received your letter, I can prove it, why do I need to wait 4-5 days AGAIN?

All in all, it has been almost 2 weeks and I still haven't even been able to access my account or fill in payment details. It is absolutely awful.

Summary: their registration process is awful, their customer service is friendly.

Customer service that is very hard to deal with. Each time you speak/email the customer service, you are dealing with a different person, which means you have to explain your case from scrach every time, even for some small changes. Very frustrating. Obviously, noone keeps track of the history of your insurance either. If you value your time, do not choose this insurance as it might cost you a lot of your extra time.

Don't let your health rely on TK. They're the least reliable of all insurers I've tried in Germany. Their coverage is nowhere near level with the prices you have to pay. Their customer support is difficult to deal with, even my German standards.

The final straw was when I switched to being self-employed. I submitted my expected earnings and waited four months to receive any bill from them. After me having to chase them up for information on how much I should pay, I received a late payment notice one week before the bill. Customer service blamed me for them sending the letter late 🤷🏻‍♂️

Incompassionate. Showed no sympathy what so ever for my financial situation during the corona pandemic. In the eyes of TK you're just a bag of money that must be collected. A health insurance provider that does not care about your health. Disgusted that such companies like this exist. Stay far away.

Folks, do not go for this insurance. One of the worst insurance company I have ever seen. Most of the colleagues who work there have no idea how to talk to foreigners. Even more, if your German is not so good, do not call them, they will insult you very badly.

It is only as I write a negative review of a different insurance provider that I've had for over 10 years that I realise how happy I've been with TK as my health insurance provider.

Customer support even with my poor spoken German has always been great. I've had things from personal GP visits, MRI scans on a slipped disk, to Osteopath consultations for my kids have been covered. Even without dental coverage I've had damage to my front teeth taken care of by T.K for free.

I think that the biggest testimony to how happy I am is that I trust T.K with my children's health coverage.

Same as what one of the previous posters here wrote. I pay the highest fee, live alone, am doing a lot of sports, non smoker, healthy but if I once have an injury and am trying everything to get back to 100 Perce t (in my case a special elbow bandage was required that literally saved me from getting surgery after an accident) it is an absolute nightmare to get it refunded. I now canceled my insurance there and got a letter saying they take back their funding for the bandage (which was approved almost half a year ago) and that I now need to cover the costs myself (280 euros)
Having lived in Denmark I can only say that germany's insurance system is terrible. But regarding support and insurance policies, the Techniker is certainly the one I'd recommend the least.

I pay the highest TK fee (way higher than my rent. And I live alone) and nothing is included, only Hausartzbesuch. I am never sick but when I need a prescription they won´t refund it to me. Not even a simple blood analysis whatsoever arguing that I am not sick. Well, if you don´t check it up you won´t find it out either…

I wanted to change the health insurance company and to convince me not to they offered me to refund some money in December (“Prämie”) as I am a Fitnessstudio user. I submitted the documents saying I attend fitness classes but they would not accept them. The same happened with going to the doctor “too much”: you loose this little refund at the end of the year if you visited your Hausartz what “they consider” more than necessary. Be on a sick leave once and you lose it too.
It´s disgusting how people are treated there. It´s all about money and they can´t care less about your well-being and satisfaction. DO NOT GO THERE.

Very disappointed. TK reflects a crack in the capitalistic system. Money vampires that care less about the clients, money is all they are for. In this pandemic time TK was very stressing, they will push you to the wall with I hear the Germany rules section so & so and will want to hold you Hostage even when you want to leave them in addition to increasing your fee comes constantly vague charges because a payment arrived on their account some hours later than 15th. I don't recommend TK for foreign students above 30years, very expensive and not worth it.

I was so disappointed with TK health insurance in Germany that decided to write review. My personal experience with them was is that I am dealing with absolutely incompetent, not customer centred but money interested organisation. I was actually shocked that in the heart of EU we have such organisation. If you don't speak Germany you are in trouble . They also trap you in system and justifying German law to convince you that no way you can leave them. Their policy is quite vague and the cover is basic through the cost is very high.

TK have left me in tears. Worst ever experience. They roped me into a contract even though I never signed a document. 7 months later I still hadn’t received my insurance card or anything in the mail, and they kept demanding more payments. Stay away from these awful people. I’m really upset and despairing.

I went to TK to get a health insurance waiver and some employees did not understand what the word even meant. I did as they suggested me to do so, by completing an online application. However that online application is only meant for people looking to get a health insurance not a HEALTH INSURANCE WAIVER. ( to get the health insurance waiver i just needed to show my EHIC card to any health insurance company). I lost almost a day understanding this,( by the way they never explained it to me) and the next day I went to AOK and by simply going to their office, I have obtained what I needed most.

p.s. tk also said that I could not receive any health insurance in any other company. That was right I could not receive any, HOWEVER THIS IS NOT WHAT I ASKED IN THE BEGINNING.