Routine sure can be nice. For the 15th time, business magazine Focus-Money (Issue 7/2021) put German health insurance funds to the test.  And for the 15th time in a row, the magazine ranked Techniker Krankenkasse as Germany’s best health insurance fund - with a strong lead over the runners-up.

Best health insurance fund with top marks in eight categories

In the comparison of health insurance funds, in addition to financial strength, the entire service portfolio of the health insurance funds was scrutinised - from healthcare offers and service quality up to excess plans and bonus plans. Techniker Krankenkasse earned the highest grade of "Excellent" in eight of eleven categories and was rated as "Good" in two other categories. 

"Digital services" category

One of the best marks was in the "Digital Services" category. For example, online health promotion programs, patient training and education offers, the provision of apps for certain illnesses and search portals for doctors, clinics and hospitals on the Internet were evaluated in this category. The assessors also examined whether insurees can submit statements of fitness for work to their health insurance fund online and whether they can participate in the bonus plan via the website.

How the best health insurance fund was determined

Together with experts from the independent Deutschen Finanz-Service Institut (DFSI), Focus-Money assessed a total of 100 regional and nationwide health insurance funds in Germany. More than 400 individual questions formed the basis for the analysis, the results of which were used to determine which health insurance fund, in the opinions of the experts, is the best one in Germany in 2021.

TK's results in the individual categories:

  • digital services: excellent
  • transparency: excellent 
  • special care: excellent
  • health promotion: excellent
  • service: excellent
  • excess plans: excellent
  • additional benefits and services: excellent
  • bonus plans/advantage programmes: excellent
  • alternative medicine: good
  • finances: good
  • dental benefits: satisfactory

Recommended by doctors and customers

Who would you recommend? For many patients, their doctor is not only an important advisor on health issues, but also on choosing the right health insurance fund. In an online survey of more than 13,900 doctors and dentists, Focus-Money asked the doctors which statutory health insurance fund they would recommend based on their experience. In this area as well, Techniker Krankenkasse, with more than two million members, maintained its customary spot in the top group among nationally operating health insurance funds.

For the third time, this year’s Focus-Money test included customer opinions, which were evaluated by opinion research institutes on the basis of various surveys and analyses. Here, too, TK is one of the best health insurance funds in terms of customer satisfaction and recommendation rate.