TK or hkk: Which Is Better in Germany? (2026)
The short answer
hkk is EUR 1.75 a month cheaper on the tested 2026 profile, from a 2.59% Zusatzbeitrag against TK's 2.69%. TK is the fund that works in English: it publishes English documents and English support, where hkk publishes neither.
Row by row
Fees verified August 2026 against each provider's published data
| Criterion | TK | hkk |
|---|---|---|
| Monthly premium on the tested profileWhat the policy costs on one identical profile | EUR 386.57 | EUR 384.82 on the same 2026 employee profileWins |
| ZusatzbeitragThe fund-set surcharge on top of the 14.6% statutory rate | 2.69% | 2.59%Wins |
| Student rateThe flat rate students pay instead of an income share | EUR 146.29 a month | about EUR 145 a monthWins |
| English documentsWhether you can read the policy you are signing | PublishedWins | not published |
| English supportApp, contract and helpline language | YesWins | limited |
So which one
Pick TK if
- You need the fund to work in English: TK publishes English documents and English support, hkk does not.
Pick hkk if
- Price alone decides: a 2.59% Zusatzbeitrag against 2.69%, EUR 384.82 a month against EUR 386.57.
Other comparisons
5 more pairsHow we compared these two
The criteria are fixed
Every comparison on this site uses the same 5 rows in the same order, so two pages can be read against each other. We do not add a row because one side happens to win it.
A win is a stated threshold
A row is won on the published number or capability, not on judgement. Ties are declared rather than broken. Figures come from provider price lists and official sources.
How we get paid
Both links earn a commission at the same rate, so the winner of a row is never the higher-paying one. Fees come from each provider's own published price list, not a comparison feed.
Sources: provider price lists and official data, accessed August 2026. Next review: November 2026.
Frequently Asked Questions
Which is better, TK or hkk?
hkk is EUR 1.75 a month cheaper on the tested 2026 profile, from a 2.59% Zusatzbeitrag against TK's 2.69%. TK is the fund that works in English: it publishes English documents and English support, where hkk publishes neither.
When should I pick TK?
You need the fund to work in English: TK publishes English documents and English support, hkk does not.
When should I pick hkk?
Price alone decides: a 2.59% Zusatzbeitrag against 2.69%, EUR 384.82 a month against EUR 386.57.
Community Q&A