Bonus program — TK

Kassen pay CASH for things you'd do anyway. Tick what you already did this year; the rest is open money. Amounts are typical — confirm in the TK app.

Still claimable this year: €70

Program cap: ~€200/year · ×2 (€400) as Gesundheitsdividende · Submit via the Kasse app/portal — most pay within weeks.

Dental booklet (Bonusheft) — your hidden insurance

Dentures/crowns: the Kasse pays 60% of the standard plan. With 5 gapless yearly stamps → 70%. With 10 → 75%. Miss a year and you fall back for years.

5 more gapless year(s) → 70%

On a typical €4,000 treatment plan your booklet is already worth €0 extra subsidy. 10-year tier: ONE missed year can be excused with good reason — ask your Kasse in writing.

Free checkups you're entitled to right now

Statutory prevention (G-BA) — 100% covered, most also earn bonus points:

• • Dental check twice a year (stamp + bonus)
• • Health check-up: once 18–34, every 3 years from 35

Co-payment cap — the 2% rule almost nobody uses

Prescriptions, hospital days, therapies: you co-pay max 2% of yearly gross household income — 1% if chronically ill. Everything above MUST be refunded.

↑ Gross household income/month

Diagnosis-code decoder (ICD)

The cryptic code on your sick note (AU) or doctor letter — e.g. J06.9 G. Type it; we translate the code AND the scary little letters. Decoded locally, nothing sent or stored.

Co-payment-free medicines — keep €5–10 per prescription

Many prescribed drugs have an identical-ingredient alternative that is officially CO-PAYMENT-FREE. The GKV list is updated every two weeks.

• 1. Ask the doctor to prescribe 'zuzahlungsbefreit' or leave aut idem unticked
• 2. At the pharmacy ask: 'Gibt es das zuzahlungsfrei?' — they must tell you
• 3. Check the official list before paying (updated every 2 weeks)

Official GKV list (PDF) ↗

GKV publishes this list as PDF only (usage rights) — so we link the always-current original instead of copying it.

Access fast — the 4 numbers that matter

• Medical service: 116117 — on-call doctor when the practice is closed (non-emergency) + arztsuche.116117.de finds doctors incl. by language
• Emergency: 112 — real emergency, free, ambulance
• Pharmacy: Tonight's open pharmacy: aponet.de emergency-pharmacy search (enter your PLZ)
• Doctor search: Doctor by language: arztsuche.116117.de → filter 'Fremdsprache' (Persian, Arabic, Turkish, Russian…)

Document: Sick note (eAU) is digital: the doctor sends it to Kasse + employer automatically — but you must still TELL your employer on day one.

‍ Hausarzt — your key to the whole system

• • Without a family doctor you wait longer everywhere — referrals (Überweisung) to specialists come from them
• • Finding one taking patients: call in the morning, search arztsuche.116117.de, or ask your Kasse's patient service
• • First visit: bring eGK card, vaccination booklet, medication list
• • They keep your file — bonus forms, checkup stamps and sick notes all run smoother