Germany's best health insurance

Always a winner: Techniker Krankenkasse first in the Focus-Money health insurer test for the twelfth time in a row.

A great routine: for the twelfth time in a row, Focus-Money has tested German health insurers. And for the twelfth time, the business magazine has concluded that the Techniker is Germany's best health insurer - head and shoulders above the rest.


The comparison examined the insurers' entire portfolio from cover and quality of service to the choice of rates and supplementary insurance. In nine out of twelve categories, TK received the highest rating: "excellent".


How the test works

Together with experts from the independent financial service institute Deutsches Finanz-Service Institut (DFSI), Focus-Money analysed a total of 65 regional and national health insurers on the basis of over 400 questions. The analysts found that the Techniker Krankenkasse offered the best cover of all insurers tested.


Germany's doctors agree

Who would you recommend? For many patients, their doctor is an important advisor not just on health issues, but also on the choice of health insurer. Focus-Money used an online survey to ask more than 14,000 doctors and dentists which health insurer they would, based on their experience, recommend. TK came top of nationwide health insurers with more than two million members.


The health insurer comparison "Deutschlands beste Krankenkasse" - "Germany's best health insurer" - can be found in the latest issue of Focus-Money (7/2018).


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