University life is exciting, but also stressful and time-consuming. That’s why Techniker supports insured students with a wide range of services and benefits. The TK-StudyGuide, for example, helps students navigate their studies with greater ease and with TK-Safe all key health data is available at a glance. In addition, TK offers comprehensive cover during a semester abroad and whilst on holiday. With the TK-Doc App, insurees can quickly and easily contact a doctor via video chat. Services relating to preventative medical check-ups, such as skin cancer screening, are available to insurees aged 20 and over.Our award-winning services
What should the health insurance fund cover? The answer depends on who you ask. Students generally have different expectations than, for example, pensioners or working people with children.Points for the TK in the following categories for studentsContribution rate (12.91 per cent)Optional tariff (100/100 points)Service (92.6/100 points)Additional benefits (80.8/100 points)Personalised health promotion (83.9/100 points)Bonus Plan (46.3/100 points)Alternative medicine (76.1/100 points)Coverage during stays abroad (100/100 points)
How the best health insurance fund for students was chosenThe business magazine "Focus-Money", in collaboration with the DFSI, examined data collected from statutory health insurance funds to determine which ones best cater to students’ needs in terms of the benefits and services they offer. Data from 46 health insurance funds was analysed. With a total score of 92.3 out of a possible 100, Techniker once again took first place this year.Note Details of the test in German in the 16/2026 issue of "Focus-Money".
Focus-Money, issue 16/2026
