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All of your Germany related questions answered in one place.

TK Flex - All you have to know about it

Gabriella
Updated
  1. What is TK-Flex?
    TK-Flex is an elective tariff that allows you to opt out of certain health insurance services as part of your TK health insurance coverage. In return, you receive cashback for every service you opt out of. You can choose to opt out of a maximum of five services out of seven. You can find more information on our TK-Flex page.

  2. Which services can you deselect in TK-Flex?

    You can choose up to five out of seven of the listed health insurance services to opt out of. The services are as follows:

    • Alternative medicines, homeopathy, and osteopathy
    • Outpatient and inpatient preventive and rehabilitation cures
    • Travel expenses
    • Household help, nursing home care, and short-term care
    • Professional tooth cleaning
    • Travel protection vaccinations and malaria prophylaxis for private trips abroad
    • Additional benefits during pregnancy (medicines, birth preparation courses for partners, on-call service by midwives) and artificial insemination.

    You can find out more information here.

  3. What is a deductible?

    The deductible (co-payment) is the amount of money you, as the insured person, pay as part of your insurance claim before the rest of the cost is paid by your insurer.

  4. How are the TK cashback and deductibles calculated?

    You will receive €18 cashback per year for each service package you have chosen to opt out of. You will receive your TK cashback in the following month after you have opted for the TK-Flex tariff.

    In case you need the service after all, the deductible is €24 for each service package that has been deselected/opted out of. It is only due if you make use of one or more of the services you have chosen to deselect/opt out of. You will settle the costs with TK in the following year.

  5. Where can I get TK-Flex and the TK cashback?

    Simply deselect your services here and log in with your health insurance identification number that you receive from TK.

  6. What if I need a service that I deselected/opted out of?

    If you make use of one of the services you have deselected, you will be required to pay part of the costs incurred yourself - your deductible also depends on the number of services deselected, but is a maximum of €120 per year.

    No. of opt-out service packages Cashback Amount Deductible
    1 service package 18 EUR 24 EUR
    2 service packages 36 EUR 48 EUR
    3 service packages 54 EUR 72 EUR
    4 service packages 72 EUR 96 EUR
    5 service packages 90 EUR 120 EUR

  7. How long is the TK-Flex valid?

    Your participation begins on the 1st of the following month after TK has received your application for TK-Flex via the TK website. You are bound to your choice of tariff for three years, after which your participation ends automatically.

    If you would like to cancel your TK membership, this is only possible at the end of the tariff period.

  8. How can I take part in TK-Flex?
    Simply click the link in your TK health insurance confirmation email from Expatrio which will bring you to the TK website where you can customize your health insurance coverage. You will also be informed of your TK cashback amount through TK based on your individual selection of coverage.
    You will need to save your choices by entering your password and insurance number when asked for it.

  9. Where can I find more information about TK-Flex?
    You can find more information about the TK-Flex on the 'TK-Flex_EN_DE.pdf' or on our TK-Flex page.

  10. What is the difference between TK-Flex and TKPraemie-Flex?
    Both of these policies are the same. TK-Flex is the shortened name you will see across the Expatrio website.

  11. When will I receive my TK cashback?
    If you are eligible for the cashback from TK, you will receive your TK cashback the following month after the start of your TK-Flex health insurance coverage.
    For example, if the start date of your TK-Flex coverage is on the 01.09.23, then you will be paid your cashback by TK on the 01.10.23 (for the period 01.09.23 - 31.08.24).

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