Techniker Krankenkasse - Germany’s Best Health Insurance Fund 2026

In the ranking conducted by the German business magazine, "Focus-Money", TK impressed in particular with its extensive range of digital services and benefits. These include:

a 24/7 online medical consultation service

a fully digital Bonus Plan

the TK-App which allows, among other things, insurees to upload sick notes

apps to manage a range of illnesses including migraines.

TK's insurees also benefit from comprehensive health promotion initiatives, patient training sessions and search portals for doctors and hospitals.

Top marks for TK

TK was awarded the top marks of "excellent" in 5 of the 11 categories tested. In a further 4 categories it was ranked twice as "very good" and twice as "good". Furthermore, the 2 special awards are confirmation that TK not only excels in certain areas, but also impresses with its overall offering in the following areas:

TK's results in the individual categories of the Focus-Money health insurance fund rankingBest digital servicesSpecial care offerings: very goodOptional plans: excellentAdditional services: excellentTransparency: excellentHealth promotion: goodService: excellentBonus Plan: very goodFinances: very goodAlternative medicine: satisfactoryDental benefits: satisfactorySpecial awards for TK:Recommended by doctorsRecommended by customers

How Germany's best health insurance fund is decided

Together with the experts from the independent German Finance Service Institute (DFSI), "Focus-Money" assessed a total of 70 regional and national health insurance funds. A catalogue of 400 different questions formed the basis of the analysis. This then enabled the experts to determine the best health insurance fund for 2026.

In addition, Focus-Money conducted an online survey of more than 10,000 doctors and dentists to determine which statutory health insurance fund they would recommend. The result? TK received the special "Recommended by doctors" award once again.

For the 8th time, Focus-Money also included customer opinions. These were evaluated through various surveys and analyses conducted by opinion research institutes. Here, too, TK again received the award "Recommended by customers", making it one of the best health insurance funds in terms of customer satisfaction and recommendation rate.

All the results at a glanceYou will find all the details in German of the health insurance fund ranking in the issue 7/2026 of "Focus-Money".  It is also available to download as a PDF on the DFSI website.  Focus-Money: Der große GKV-Test 

Focus-Money (issue 7/2026)