Die Techniker Reviews 

My experience with TK has been extremely frustrating and disappointing. For a health insurance provider that claims to offer reliable service, the lack of clarity, communication, and attention to customer needs is unacceptable.

As an international student in Germany, I expect clear information and a smooth process, not unnecessary confusion and uncertainty.

What makes this experience worse is having to contact customer support just to get basic questions answered about services that should be straightforward. Customers should not have to chase their insurance provider for information or spend their time resolving avoidable issues.

Overall, this experience has seriously damaged my confidence in TK. The service has fallen far short of my expectations, and I would hesitate to recommend TK to other international students based on this experience.

We are expecting an e mail that my daughter has an insure for three weeks. For three weeks! An e mail! We reached out you lots of time and each time we are told that day we would receive the e mail. How can it be so difficult?

It's a health insurance that will actually pick up the phone and resolve your issue if you call them. Love it!!

It has gone from being Germany's best health insurance provider to the absolute worst. You’re barely sick for two weeks before you start getting threatening letters from the sickness benefit department. On top of that, you get incorrect advice regarding statutory deadlines. It really is the pits.

The best customer service available.
Do yourself a favour, and get this insurance.
Also, change in my contributions due to change in student status was smooth.

You call someone on Sunday night at 9:30PM, Boom! someone is there to help you in English.

Choosing TK especially for their English service provision only to find out that documents to appeal certain decisions (overcharge) is only available in German “Widerruf” so lovely. Thanks.

I was enrolled in a public university in winter semester. But due to visa delays in my home country, I was able to arrive after seven months. TK said to me that I will have to pay the insurance from the previous seven months as well. I told them that I g can give them the proof of the late visa processing, but to no avail.

One of their team members said to me that he believes that it is unfair as it is not even possible to use the health insurance while you have not arrived due to visa delays but he can't do that as it is the company policy.

Now they offered me installments but with interest.

I have been very disappointed from TK and not recommending any of my friends to use this service again.

I will also suggest tens of my friends who are dealing with the same situation to share their review here so incoming students should beware of such scam.

I have been with TK for 3 years & have a very mixed experience with them recently.
I recently submitted my tax return for 2024 as requested & they are trying to include income that does not exist.
When I explained the situation they do not believe me & insist that I have additional income.
I have been a tax resident of Germany since 2023 and am required by law to declare all my income in Germany.
It is a complicated tax matter & TK say themselves that they are 'no tax experts'... but they are unwilling to take my tax return as proof.
I declared dividends to TK in 2024 from my UK business that was closing at the time, I also declared these dividends on my tax return in Germany for 2024.
TK are saying that these are 2 separate payments (without proof).
I am now having to get written proof from my tax advisor (who prepares my returns).
TK are also trying to include income (from my closed business that has not existed for over 1 year) in my new monthly contributions.
I have supplied evidence that my business was dissolved in January 2025, this has also been ignored.
When I try to explain the situation via email or telephone I receive different answers from different people every time.

I am extremely disappointed with Techniker Krankenkasse (TK). I have been trying to reach their customer service for weeks regarding my preliminary insurance certificate for my Master’s studies at TU Berlin, but I have received absolutely no response to my emails.

As a student from abroad, I am dealing with critical visa deadlines. My preliminary certificate (dated 10.03.2026) shows a start date, but I need urgent verification and support for my application. It is impossible to get a human agent to reply, and this lack of communication is putting my entire visa process and academic future at risk.

I expect a major health insurance provider like TK to offer at least basic support to their future members. Please contact me immediately to resolve this.

Details for the team:

Name: Elif Lale Kurtnazar

DOB: 31.08.2001

Inquiry: Preliminary Certificate Verification

Very frustrating experience with Techniker Krankenkasse.

I left Germany a long time ago and my residence permit has already expired. For several months I have been trying to close my insurance, but the process keeps going in circles. TK asks for confirmation of health insurance in another country, but it is impossible to obtain while my German insurance is still active.

Meanwhile, contributions continue to be charged even though I no longer live in Germany.

This process is unnecessarily complicated and very difficult for customers who have permanently moved abroad.

I called the English Speaking Customer Care Hotline today. The person answered in German, so I asked her to switch to English because this is the service that I needed. She was evidently annoyed and quite unfriendly throughout the process. Even before I finished my question, she lost patience and said she would put me in touch with her colleague. She put me on hold for 10 minutes and I decided to hang up. I don’t think TK should employ anyone who doesn’t want to work in Customer Facing roles like her.

They pretend to be nice and friendly on a call but once you owe them money for anything there is a rigidness and coldness to how they respond with very legal terminology. I would advise to avoid this heath insurer at all costs. Especially as a Expat.

I switched health insurance providers and requested my insurance history document (Versicherungsverlauf) from TK twice via their online contact form. It's a document they are legally required to provide. Despite submitting two requests, I have received zero response. No confirmation, no follow-up, nothing.

This document is needed by my new insurer to process my enrollment, and TK's silence is directly delaying this. If you are legally obligated to provide something, the bare minimum is acknowledging the request.

Disappointing experience for a provider with TK's reputation.

This health insuramce is bullshit the under deliver where you send email or what so ever they dont respond you have to call them inorder to see action or people doing things which is bad because they don't have good service they only know how to charge high costs camd faulty stuff on their end they try to find reason to charge a customer on irrelevant stuff even when they are at fault if I had known I wouldn't use thus insurance

Be very careful and always record your phone calls with TK, they say one thing on the phone and when you go to their office in person to confirm it they say another thing. Untrustworthy.
They are not trustable by word only by letter.
This happened today in TK Office in Berlin.
Their reply reveals their true character, what number shall I call, reveal yourself,are you a human or just a TL bot? Today I spent already 2 hours in phone listening to a recorded message. Be serious no more lies.

Tk health insurance might be working well for German people. But I assure you that if you don't speak German and you live half of the year outside Germany you should absolutely avoid them. My two last invoices were of 600€ & 800€ because I had injured my knee playing volleyball, had to do exams, injections and physiotherapy. From the 600€, I got 150€ back from them. From the 800€ I got 200€ back. I pay 300€/months to them and I almost didn't get any other issues in 5 years.

There is an calculation to be made and only it would take maximum 1 hour. I am waiting from Monday to them to call me back. Everyday one or two times I am calling TK but nobody put me through to the related department and from the department nobody calls me back. Today Thursday afternoon.

I would like to highligt how good the English speaking TK support is! As a foreigner it is very important to have such a good assistance without knowledge of German language. The waiting time for the phone call answer was very short. The lady was very polite and helpful. She provided perfect support, answered all my questions and offered solutions, and my problem was resolved. I even did more than I expected! This is my first experience with TK and it was great! Thank you very much! I can definitely recomment the English speaking TK support.

I am extremely impressed with TK's customer support. Their response times for phone calls are consistently quick, and they always ensure language accessibility by finding English-speaking representatives when needed. As a foreigner living in Germany, this level of service is truly refreshing and makes navigating the healthcare system much easier.

While their service is outstanding overall, the only suggestion for improvement would be to offer all documentation in English. Nevertheless, TK's commitment to customer service excellence sets a high standard among German health insurance providers.

Moving to a different country is difficult enough without companies like this taking advantage of you and treating you like you're an idiot.

They are quite happy to financially sink you if you clearly don't earn enough. More interested in the short few months they can get their $$$ than thinking about the long term $ if they applied common sense to the situation, but no.

I submitted forms to arrange automatic payments via their website inbox system (which is down or fails half of the time). I received an automatic response informing me my message had been received and would be replied to if needed. Nothing came for months - and if you're new to Germany, you quickly learn that MONTHS is how long it takes all these official bodies/companies to get back to you, so it's nothing unusual.

Suddenly I have a physical letter in my mailbox from bailiffs claiming I haven't paid TK and that they will be coming to collect the total sum??? Turns out they have been emailing me (I received nothing at all and check my junk mail every few days) to say there was a problem with the form I submitted. So with no response to their alleged "emails", they chose not to text my phone, ring my phone, or send a letter to my address, but go straight down the route of sending a threatening letter and bailiffs? What a terrific company.

For extra special treatment, they have added several "late fees" to the sums they are demanding.

Edit: And for those saying they have great experience with the English-language side of their business, I'm at a loss. Several times I have requested English speaking communications and I have been ignored each time. They refuse to speak to me in English. Their website also offers an "English version", but once you try to access your account it reverts to German again.