TK takes the top spot among statu­tory health insurance funds

For the fourteenth time in a row, Techniker Krankenkasse has been awarded 1st place in a rating by the Deutsche Finanz-Service Institut or DFSI for short. Find out more about this test seal and the impressive services which secured TK the top spot once again.

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When choosing a health insurance fund, it is not just the benefits which go beyond the statutory framework and the services provided to insurees which count. The financial strength of the chosen fund is also crucial. After all, this determines the stability of both current and future contributions. Services such as the MediCall hotline, 24/7 availability and a host of digital offerings also make the difference. TK offers its members a wide range of additional benefits when it comes to early detection, health promotion, vaccinations and digital health care.

Only the best for our members

The rating of statutory health insurance funds comprised data on financial strength, the scope of benefits and customer service. TK received top marks in all categories and an overall grade of "very good". The rating is made up of the following criteria:

Service and benefits: "Very good"

  • Bonus plans
  • Health promotion
  • Special care
  • Naturopathy
  • Optional plans
  • Dental benefits
  • Additional services
  • Digital offering
  • Product and service transparency

Customer service: "Excellent"

  • Service times, care provision, emergency services abroad, foreign language service, scheduling of medical appointments
  • Customer satisfaction and recommendation
  • Number of branches per German federal state and number of insurees per branch

Financial strength: "Very good"

  • Liquidity management
  • Fund assets
  • Administrative costs
  • Profit and loss account
  • Contribution stability
  • Membership development
  • Financial transparency

How the winner was determined

Since 2011, the DFSI Ratings GmbH - a spin-off of the DFSI - has assessed the corporate quality of statutory health insurance funds together with the German business newspaper, Handelsblatt, annually. The performance of the health insurance funds is comprehensively analysed and evaluated in three sub-areas: services and benefits, customer service and financial strength. These results are then incorporated into the overall rating in equal parts. The latest study comprised a total of 45 health insurance funds.