The decision as to whether or not a coronavirus test is free of charge depends on the type of test performed. A distinction is made between laboratory PCR tests, antigen rapid tests (these must be carried out by a specialist), and self-tests that can be taken at home. 

More details

PCR test

Only the attending doctor can decide whether a PCR test is to be performed. As per the recommendations of the Robert Koch Institute, testing is required for those with grounds to suspect they have been infected. If the test is carried out by a doctor, TK also covers the laboratory costs amounting to 27.30 EUR per analysis in addition to the treatment costs. As such, insurees do not incur any additional costs. The test is settled via the insurance card. If you are experiencing any symptoms, call your GP. Those affected should self-isolate prior to receiving the test result.

Rapid test

Only those at risk may still take advantage of free testing services. These include:

•    children up to the age of five
•    pregnant women in the first trimester who have not yet been vaccinated
•    visitors to hospitals and care homes
•    those living in a household with others who have been infected
•    residents of facilities aimed at assisting inclusion and
•    people who cannot be vaccinated

The costs are covered directly by the federal government.

If, for example, you get a warning on your corona app or you plan to attend an indoor event, you must pay 3 EUR towards the cost of testing.

TK may not reimburse these costs.


The health insurance fund is unable to reimburse the costs for self-tests.

Corona tests before and during inpatient hospital treatment

If the doctor at the hospital requires a test prior to hospital admission, this can be taken either shortly before or during the admission procedure. If you are admitted to hospital, the costs can be settled via your insurance card directly with the hospital. You will not incur any additional costs. 

Patients, who are being treated in hospital and who develop an infection, can be tested in hospital. However, if the hospital's testing concept requires a test irrespective of an infection, this can also be taken. Again, you will not incur any additional costs.

Corona tests before and during a rehabilitation measures

Prior to admission or treatment in a preventive care or rehabilitation facility, you are entitled to a free test if required by the facility. The test is done in a public test centre, a doctor's practice or a pharmacy, for example. The test can be repeated once during your stay. These tests are free of charge for you.

This applies accordingly for those covered by private health insurance, for example for your privately insured child during a mother and child medical rehabilitation approved by us.

The bill is settled directly between the health care provider and the Kassenärztliche Vereinigung [Association of Statutory Health Insurance Physicians]. TK is unable to reimburse the costs, including for tests which you obtained yourself or for which you paid privately.

Tests following a warning from the coronavirus warning app

If the corona warning app detects an increased risk of infection, please call either the Gesundheitsamt [public health office] or general practitioner.