Activate your TK-Flex and receive up to €90 annually

You can choose up to five out of seven of the listed 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 our more information here.

You will receive €18 cashback 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.

The deductible 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.

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.

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

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

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.

You can find more information about TK-Flex here or directly on TK website.

The Expatrio Value Package is an all-in-one package that can save you up to €249. Get your blocked account, health insurance, travel health insurance, and more perks.*

Please visit expatrio.com/value-package to apply.

Both of these policies are the same. TK-Flex is the shortened name you will see across the Expatrio website.

If you are eligible for the TK Cashback from TK, you will receive your cashback the following month after the start of your TK-Flex health insurance coverage.

For example, if the start date of your health insurance 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).