Techniker Krankenkasse Reviews

Very nice reception on the hotline (800 tel.)
Very friendly, competent and in no time with the right information for me. Therefore 5 stars

Super health insurance. Even if I'm in Spain for 6 months in Spain, it works very well with the contract doctors. Without long running, as with the other health insurance companies. Thank you

Medically necessary therapies are generally passed on to the MDK, where they are rejected cathegorically and without an alternative systematically rejected!
The (non-) medical doctors of the MDK judge according to documents and have the medically necessary therapy prescription of my doctors, which know me partly for over 10 years, back.
Important diagnoses are deliberately not taken into account or overread!
It is important to know that the MDK does not decide, but only acts as an advisor. Decides does the health insurance itself.
Here you go over dead bodies! Because, according to MDK, I have the gold standard, i. I can not tolerate CPAP therapy because of another strain, so I am now without therapy!
Even a preliminary examination for an operation is not paid!
Animals in Germany are treated better and more directly than humans!
The TK was a good health insurance 20 years ago. But today it lives up to your name! You get sick here and not healthy!

Unfortunately I have to agree with some of the previous speakers: one should not get sick. As a long-term payer who is always punctual, you are threatened with illness. Even the internal organization seems a bit schizophrenic. A shame if only complained, but no real help is offered. Due to the pressure exerted, you unfortunately completely fall behind in recovery.
I hope to be able to improve this assessment again at some point ...

I have never had a better and more competent health insurance before. For me in all concerns the number 1.

Best health insurance there is. Helps immediately with all the problems you have. Correct and reliable. So you want that.

Very nice clerks who help directly if there are questions, or even helpful to complete applications.

I can only judge the pickup. Access via a gate gate complex a bit awkward. But the pickup works smoothly. Ramp in a hall, staff friendly.

The telephone availability is good. But it is of no use if you have made an appointment on October 19, 2020 for October 23, 2020 at 9.30 a.m. in the office, but the branch has been closed since October 5, 2020 (until January 4, 2021) due to renovation !! Nice that you are on the road for almost 1 hour with arrival, departure, etc. and could not do your work - thank you again! Your performance is just embarrassing!

Very friendly, professional and solution-oriented - absolutely recommendable

How this health insurance company could become test winner 07/20 is still a mystery to me. For this nice club you have to click 1 *.
As soon as you get seriously ill with this health insurance company, that poses a problem. You are literally bombarded with mail and phone calls that a form is missing here and a form is missing there. It's time to look around for a new health insurance company!

An aboute top service!

I called the appointment service to get a doctor's appointment.
No waiting loop, you get there immediately. The employees are very competent. The very next day I got an appointment for the following week.
I am really satisfied!

The Techniker health insurance may not be the cheapest, but the supply of members is exemplary and fair. The protection is complete and to the point. Big plus !!

Bureaucratic, slow, chaotic, rigid, dysfunctional online tool
What is most negative for me is that there are no personal advisors. One hand does not know (and does not understand) what the other is doing. What the one reimburses is not approved by the next. The online tool is prone to errors, you always need physical mail to activate it (eg when changing phone numbers for a tan, which you still need to open attachments in your account will contact you even though the stay abroad was registered, letters and inquiries are simply ignored.

There are clearly better health insurance companies

Competent, customer-friendly, customer parking lot at the main entrance

I have been with this health insurance company since I was born and unfortunately I am currently unable to get out due to a change of employer! This health insurance was once good, now unfortunately just awful! Sick pay is canceled and must be enforced with appeal. What do patients do who cannot or can survive or bridge it?
On the phone you will only be "advised" sluggishly and, as an insured person, it is best not to need any benefits here! I advise everyone against getting insured here!

Very nice clerk who could give helpful information!

Not to be beaten in ruthlessness. The clerks behave, i.e. whether they are with the MfS or the predecessor association.
Hands off!!!

Phoned a middle-aged lady from your claims department on business.
Absolutely unprofessional behavior, unfriendly and incompetent. Madness.

Only problems with the service. Inadequate communication, as there is only one phone hotline, which ablates every request. Best to do everything in writing, as all statements by phone no longer apply afterwards! Never again TK.

very unfriendly, instructive, interrupts legitimate questions and just file with complaint! Sure, if you want to have some performance for his high contribution.

I wanted to call the interpreter and ask. I'm deaf and the problem is barriers. That is nonsense data protection. An interpreter can always be kept confidential.

Why a written request with a callback request is answered, opens up to me not?

It's about copayments .. and in my case, this one was completed for a non-deliverable drug -Absicht ??

ME costs this money and the request for a refund was answered with a callback request ... = WHY should I waste my time in addition to my money with you?

THAT has nothing to do with service!

Extremely nice telephone support!
Both the lady at the "reception" and her colleague, who was responsible for my concern (family insurance). Great!!!
Must also be said.

You apply and don't get any response. It's bad professionalism.

This technician health insurance is characterized by good friendly advice.
Is online and personally available for all questions.

Miser! First of all change the health insurance because I can't get my isomotor deposits! I even submitted a letter and didn't want to pay anything! Unfortunately, the rumors come true that TK is the worst health insurance company!

Super kk, always quick + responsive to phone inquiries to solve problems for members !!

Friendly staff, but extremely long waiting times for service. With a short question you can try shortly before closing.

just get along with standard cases, communication is equal to zero, After a critical mail, you have a short time later just blocked my email address (of course, without telling me)!

Reviews refer to customer center not to TKK in general.

+ short waiting time
+ Parking nearby
+ faster uncomplicated processing
+ polite manner
+ well-kept place

- Try to present me an extra insurance without asking (does not lead to star deduction as simple no is enough and no further drilling)

My illness history spans a total of seven years. Fortunately not continuously, but always with the same clinical picture. The past two years have been free of symptoms, no signs of the past clinical picture. Unfortunately, these have dominated my body again for the past few weeks. The employer and the TK doubt my illness or the inability to work and have instructed the MDK to assess my inability to work.
The Techniker Krankenkasse assumes that I am faking my illness, which is an absolute mental injury to me as an insured and sick person. I presented the current health situation to the health insurance company in a well-documented manner and was not in the health version to take the appointment commissioned by the TK-MDK assessment. This was rejected without understanding and the obligation to cooperate as an insured was pointed out.
This lack of understanding and, above all, the pretense of not pretending to be ill is a downright cheek and testifies to an unprofessional business conduct. For the benefit of the insured or patient, it looks clearly different.

The termination to the TK is out!

The care for sleep apnea patients is disastrous. TK cuts down the bills for the sleep laboratories, so TK patients only get an appointment in laboratories that have a contract with TK. There is only one for all of Hamburg.
Waiting time: 9 months. Spare me any comment on it.

Thereafter, TK only pays for a used CPAP device. If you want a new one, you have to pay an additional 120 euros per year and pay for maintenance and repairs completely yourself.

As a voluntarily insured person, what do I actually pay 700 euros a month for?

Excellent health insurance if you never get sick or have an accident.

Although I was there without an appointment my concerns could be resolved quickly and well.
My consultant (a trainee) was very
friendly and understood something good
Customer service!

I have to say, I have NEVER given only 1 star in my reviews! And basically I am satisfied with TK, but when I received the letter from TK for my son, who had just turned 14, that he should start a bonus booklet for his dentist visits, I had to smile a bit and felt really screwed up! From the best, largest German health insurance company. Nicely summarized with a kind of "threat" at the end that services may be lost in the event of non-fulfillment. I can not believe it! Hello?! We live in 2020! In front of the door fiber optics and 5G are being laid. Internet, electronic media, data transfer and storage in unbelievable quantities and in any electronic form are EVERYDAY DAY in almost all economic sectors and my health insurance company asks me to have a paper booklet filled with stamps like in the 18th century! I could hardly explain to my son, who sits in his command center space engineers playing and creating Minecraft block worlds, what a paper bonus booklet actually is. Hahahaha. Are there any ink pads that haven't dried out ??? My son has been going to the dentist twice a year for prophylaxis since he was 2 years old, had one or the other treatment and in recent years orthodontic corrections. That must be understandable! You pay the bills too! And can't (or don't want to) see the visits? What is it? Should I donate a bit of virtual storage space to transfer the required data to the bonus booklet? Apart from the fact that I find it outrageous to want to apologize and admonishly refuse any services in advance because of missing stamps, which can obviously only have been caused by verifiable visits to the dentist ... No offense, dear TK, yours Services are top and at the given time you will get a good rating, but the best, largest, German health insurance company is very small in this regard ... (-: (-: (-:

A super good health insurance company, I've been a member for about 35 years.
Very nice, friendly and competent employees on the phone, all my questions were answered in detail. I'm very happy, unless the sick pay could be paid out a little faster.
But, all in all, TOP

The contact to the branch in my area is absolutely great! The staff are nice and committed ... the way it should be (that justifies a star). Everything that goes through the headquarters has been a disaster so far!
My conclusion: The Techniker is unsuitable for working families with children! In every relationship. E.g. the (preventive) pregnancy benefits are insufficient.
I think the "best" thing, however, is that certain applications have to be requested by telephone. The "nice" lady on the phone uses the opportunity to "ask" someone over the phone. reasons for a rejection are being searched for here:
In the rejection was almost literally the reason that the "nice" lady told me on the phone. And that although I have never given certain information in writing!
That is absolutely the bottom drawer. In addition, the cancellation by post was simply ignored.
Hence my recommendation: TK is unsuitable for employees (with family)!

Poor customer service. I was told to take a seat and wait. The woman at the counter however, had forgotten to write down on the list, so I had to wait for ages while people were being attended to.

I was actually quite happy with the health insurance. BUT: It cannot be accepted that the health insurance company writes you in good health without the medical service having exchanged a word for you. And then you have to listen to stupid comments on the phone. Customer friendly is different! The main thing is that the monthly contributions come

The biggest catastrophe you can ever imagine.
Poor service, documents are never done, inquiries never answered, excuses are constantly being found to try to increase the contributions.
CATASTROPHE!

Recommendable without any complaints! The best KV with the widest range of additional services. For example, I had myself vaccinated at a travel practice (no health department or contract doctor) and the vaccinations were reimbursed in full. I was also kindly informed that high future additional services (such as vaccinations) should be carried out by a VA or GH next time so that they will be reimbursed to me in the future. Here one no longer speaks of goodwill, but service and customer proximity. Thanks and keep it up!

I was prescribed an open MRI diagnosis. Since there is no one in my area with TK recognition, I should either: B. drive to Dortmund (2h plus 2h driving time), or b) let me miss an anesthetic to be able to enter a closed tube! Does anyone understand that? There is an open MRT about 20 minutes away, but "this is not yet in a contractual relationship with TK". I can understand cost containment, not patient nourishment! Why doesn't the well-tested TC try to have more contractual relationships with open MRIs and instead suggest anesthesia?

I can only recommend. I have been changing my health insurance like underpants for years. I've been with TK for 4 years now and can only report positive things. Friendly staff and so far they have paid everything my family and I needed. The best of my till.

They actually call today and congratulate us on the birth of our son, who died at 40 weeks of gestation, and also inform us that the costs for the mother's health course will not be covered.

Only mail delivered, a slight confusion on the mailbox itself

The structure resembles a Roman administration. Nobody knows what the other is doing, what the service suffers from insanely and each registration and re-registration for insured persons takes weeks or months. There is no concern in the last year that everything worked out immediately. Super exhausting!

Do not get sick! Necessary OPs are not taken over - however, it is already cashed.

As a self-employed person, you will be squeezed out like a lemon and terrorized with always the same letters. The TKK takes the word "health insurance" very seriously; you get sick with a membership.

The reputation is, for whatever reason, far too good for this poor health insurance company. As an employer, the company is unfortunately much worse.

really the last thing there is. Paid in for 30 years, got really sick once and the gentlemen have nothing else to do but to write you healthy using remote diagnosis and to play off the treating doctor / patient against each other with contradictory letters.
there is no response to complaints. Clerks in the performance department are outrageous, arrogant and pretentious, which is exactly what I want as the highest contributor. the cash register is at best suitable for angela's cuff nibbles and gold pieces.

On the telephone customer service, staff is very naughty, lazy and unfriendly !!!

Due to the construction works in the street it is difficult to get in with disabilities and badly slaughtered

I was from 01.08.2017 to 30.09.2018 with my 7 year old daughter and now again from 01.02.2019 to the TK insured. So you know me and know that I have a daughter. When I reassured myself after a stay abroad of 5 months, I was insured alone without my daughter. That did not strike me at first. On 16.04 but have completed a questionnaire, with information about my daughter. On 24.04 my daughter became ill, got 40 degrees fever, I was at the doctor, but he just laughed at me to get an appointment. I wanted to privately pay at the pediatrician Schwenk, Roman Zeller Platz 10 in 22457 Hamburg, but was only laughed at! Thank you, Techniker health insurance, that I have not got a card for my daughter !, Thank you, my daughter is now in mortal danger, but that's bad luck. The TK knew me, I had been insured here for more than a year, the TK knew that I have a daughter, nor. Of course I will assure myself somewhere else soon. Poor Germany, come so far, but because of a piece of plastic maybe a child has to die! Beware of the Techniker health insurance!

A comfortable place and their employees are respected and find solutions to your requests very comfortable dealing with them

When it comes to health insurance, the only logical decision.

This is where data is misused!
As a consultant, a woman Matzen offers suitable data for personal purposes or operates in the assignment, your assigned tasks in the 'clerical' slaves and misappropriation of the data!

OK. The woman at the reception desk seems only occasionally a little overwhelmed.

Very friendly and competent telephone support ... Thanks !!

Super unfriendly "service". On the phone you always get a different information and from previous conversations with other employees you say nothing to know. Besides, not responsive and do not consider own mistakes. When technicians make mistakes they literally say "if we make mistakes, they have to pay for it. That's the way it is with public bodies. "
Definitely not recommended!

After 42 years I change the health insurance. After I got sick, the TK shows her true face. I get bothered with superfluous letters, if you look at my file before, you would find that it does not apply to me. I am not supported. An urgent specialist appointment lasts up to 3 months. No thanks! It would lead to an enumeration of unsightly encounters, if I wanted to tell everything. Only so much, I actually had to get my sick pay through a lawyer.

I could write a book about my bad experiences with the Techniker Krankenkasse.

Under no circumstances can I recommend this SHI.

This health insurance company is not customer-friendly. But does not take the customers.

In my case, the KK of my choice. Never had a problem for years, all payments / services were processed without complications. Always get nice and competent help over the phone. I can recommend this health insurance company without hesitation

Super nice, discreet and very helpful staff. The services of TK are also not too top

They are professional. I have been a member since 1990 and now, after so many years, had to quit everything that was natural in the past became a problem today and only refuse to cancel.

Inability to work. After two weeks of membership (previously family insured), I fell ill and had to go to the doctor. However, the new insurance card was not sent to me. After telephone demand, the lady wanted to make unfriendly to me clear that I would never have registered. However, I had the confirmation letter, as well as the letter to the request for the purpose of image, which I had sent directly. It turned out that I existed twice. I should call the doctor's fax number and they would fax this a letter about my insurance. Are you kidding me? Are you serious when you say that. Did not do that. Then had to phone the insurance company on the spot to be treated. 2 days later the call, if I am currently happy with the membership. I asked first if the question was serious. The lady had no idea what had happened. I would say, things are going awry Especially internally. As soon as I have fulfilled the mandatory months, I change to a more competent health insurance company and especially one that also pays for the cleaning of the teeth. Stay away from the TK! To meet zero. No compensation. I have now the trouble and must present the card at my expense, as soon as I receive it, to my doctor.

So I am insured with the whole family at TK. My daughter is deaf and we always got everything we needed or what the doctors ordered. Whether super expensive hearing aids, or means for operating room, no matter. I myself recently had an accident, everything I needed and what I needed in terms of regulations without problems and quickly approved. Sickness benefit was also not a problem, as described by some of the super nice staff and always tried to help quickly. The app is also great.