Best Krankenkasse for Expats in Germany (2026): TK vs AOK vs Barmer
Frequently Asked Questions
Which Krankenkasse (health insurance fund) is best for expats?
TK (Techniker Krankenkasse) is consistently rated the best for expats. It offers an English-language app and website, strong international emergency coverage, and excellent digital services. AOK and Barmer are also widely available and solid alternatives.
How do I choose between TK, AOK, and Barmer?
All three offer identical core coverage by law. The differences are in additional benefits, digital services, and customer experience. TK leads on English support and app quality. AOK is regional (different branches by state) and strong for family coverage. Barmer is known for good mental health and preventive care benefits.
How much does public health insurance cost in Germany?
The standard contribution rate is 14.6% of your gross salary, split equally between you and your employer. Most funds add a small supplemental contribution (Zusatzbeitrag) of around 1–2%. Your total personal contribution is roughly 8.2–8.5% of your gross salary, automatically deducted from your payslip.
Can my family be covered under my German health insurance?
Yes. Public health insurance (GKV) includes free family co-insurance (Familienversicherung) for your spouse and children, provided they have no significant income of their own. This is one of the biggest advantages of public over private insurance in Germany.
