TK

TK, the Techniker Krankenkasse, is a statutory health insurance fund (Ersatzkasse) based in Hamburg and operating as a self-managed corporation under public law. Open to employees, students and the self-employed across Germany, it has grown into the country's largest health insurer with more than 11 million insured members, and membership is available nationwide. TK offers a broad range of health insurance services, including branch offices across the country, a customer telephone line, a medical advice hotline available around the clock, and an employer hotline for businesses. Its customer phone and medical hotlines are offered in English, and the TK WelcomeService supports newcomers who are settling into Germany and need help with questions about health insurance. Members can also apply online and access English-language apps and information on the TK website. For the international and expat community, TK's English-speaking assistance and welcome services make the German statutory health system easier to navigate during the first months in the country. Information on contributions and eligibility should always be checked directly with TK, as the binding contract is issued in German.