DFSI-Rating: Techniker Krankenkasse delivers best corporate quality

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 contribution rates. Services such as the MediCall hotline, 24/7 availability and a host of digital offerings also make the difference. What's more, TK offers its members a wide range of additional benefits in terms of screenings, vaccinations, health promotion and digital health care.

Award-winning services make the difference

The ranking 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 ranking is made up of the following criteria:

Service and benefits: "Very good"Bonus plansHealth promotionSpecial careNaturopathyOptional plansDental benefitsAdditional servicesDigital offeringProduct and service transparencyCustomer service: "Excellent"Service times, care provision, emergency services abroad, foreign language service, scheduling of medical appointmentsCustomer satisfaction and recommendationNumber of branches per German federal state and number of insurees per branchFinancial strength: "Good"Liquidity managementFund assetsAdministrative costsProfit and loss accountContribution stabilityMembership developmentFinancial transparency

How the winner was determined

The Deutsche Finanz-Service Institut (DFSI), in collaboration with the Handelsblatt, conducts an annual assessment of the corporate performance of statutory health insurance funds. The performance of the health insurance funds under review is comprehensively analysed and evaluated across three key areas: services offered, customer service and financial strength. The sub-results are then incorporated into the overall rating in equal parts. The current study compares the performance of a total of 46 health insurance funds.

NoteSince 2011, the DFSI Ratings GmbH - a spin-off of the DFSI - has assessed the corporate quality of statutory health insurance funds each year. Since 2018, this ranking has been conducted together with the Handelsblatt. You will find more information in German on this ranking at Handelsblatt and DFSI websites.

DFSI