Supplemental insurance for dental procedures, vision correction and services provided by alternative health practitioners (Heilpraktiker)

The extra service for those insured with Techniker Krankenkasse

All-round protection for your health

Find the best plan for your needs

  • all-round protection packages: one policy to cover the most important outpatient benefits
  • extra benefits for your day-to-day needs: prescription glasses and lenses, restorative dental work, alternative health practitioners (Heilpraktiker)
  • different packages to meet different needs: focus on essential benefits or choose premium package including preventive check ups
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tailor-made for you
Extra services for TK members
tailor-made for you

Overview of our supplemental outpatient plans

- tailor-made for TK members

Our healthcare packages are designed to supplement your Techniker Krankenkasse health cover. We have selected benefits from all important areas of outpatient healthcare (everything that is not related to inpatient treatment or long term care) and bundled them into attractive packages for you. Additionally, we offer products specially designed for children and young people (StarterPlus) and for senior citizens (VitalXtra). Just choose the package that suits your needs:

PraxisExtra: our basic plan for outpatient healthcare

PraxisTop: our premium outpatient plan

StarterPlus: our comprehensive plan for children and young people up to 29

VitalXtra: our attractive health plan for senior citizens over 60

Pro: our top-up dental plan, which can be combined with any of the health plans above.

Envivas supplement outpatient plans
Key benefits: prescription glasses and contact lenses, dental procedures and services provided by alternative health practitioners


The basic package with a focus on key benefits

When it comes to healthcare, glasses, dental restoration and alternative ways of treatment are important to many people. This private plan combines these features and gives you peace of mind.

Vision correction products
This means prescription glasses and contact lenses. It is always a good idea to include these in your insurance cover.
Alternative health practitioners (Heilpraktiker)
We pay alternative health practitioner fees and prescribed medicines according to the fee schedule for alternative health practitioners. Please note: psychotherapy is not covered.

Hospital fees
Although hospital fees are usually not covered by outpatient plans, we think it is important to include them. So your plan will take care of this fee.

Healthcare cover for up to six weeks for people travelling abroad. Travel health cover comes with a number of benefits. One key benefit: in a medical emergency Envivas arranges for you to be transported back to Germany if medical repatriation is medically necessary.

Dental restoration - dentures, dental implants, dental crowns and inlays
Both tooth repair and tooth replacement can be very expensive. With our dental plan you can considerably reduce your share of cost. We pay up to 40 per cent of the invoice amount. After receiving the Techniker Krankenkasse reimbursement, this means up to 80 per cent of the cost of restorative dental work such as dentures, dental crowns, inlays and dental implants.


Our premium package including preventive healthcare

PraxisTop includes all the benefits provided by PraxisExtra plus extra benefits for dental care and medical check-ups.

Preventive healthcare - Medical check-ups (IGeL)
With this private plan you are covered for medical check-ups and screenings which are part of the so-called IGeL services. IGeL stands for ‚individuelle Gesundheitsleistungen‘ (individual healthcare services). These include a number of individual services which Techniker Krankenkasse as a public health insurer, or health insurance fund, is not allowed to pay for. So if you want to benefit from IGeL services and do not want to pay out of your own pocket, PraxisTop is the right choice for you.

Here are some of the check-up options included:

  • improved cancer screenings, for example mammography, sonography and screenings for skin and prostate cancer
  • additional check-ups for children and young people
  • additional diagnostic tests during pregnancy
  • general check-ups, for example stroke risk or special examinations of the brain

Extra dental benefits
With PraxisTop you can drastically reduce the amount you have to pay towards the cost of dental treatment. This plan pays up to 50 per cent of the invoice amount of the cost of dentures, dental crowns, inlays and dental implants. After receiving the Techniker Krankenkasse reimbursement, this means a total reimbursement of 100% of the cost of dental procedures.

PraxisTop and PraxisExtra: increasing benefits for dental care

In the first five years after taking out this insurance, the maximum benefit is €1,000 per year for the covered dental benefits (dentures, implants etc.).
If you do not claim at all in one year, or you do not claim the maximum amount, the unclaimed amounts will be carried over to the following year. In the best case, this would mean a maximum benefit of €5,000 in the fifth year. From the sixth year of insurance, or in the case of accident-related dental treatment, there are no benefit limitations.


A good start into life

If you want to give your child the best possible protection from the very first day,  StarterPlus is the right plan for you. Parents can take out this cover for their children who can stay insured in this plan up to the age of 29. And young adults can take it out for themselves.

StarterPlus key benefits:

  • Comprehensive benefits for your child: StarterPlus provides a range of benefits from all key areas of healthcare such as inpatient, outpatient or dental care and also includes services offered by alternative health practitioners (Heilpraktiker).
  • Automatic switch to a new plan on reaching age limit: on reaching the age limit of 30, the insured can switch to another Envivas plan that has no age restrictions. Good for you: there are no health questions and waiting periods!
  • Children in hospital: if your child needs to stay in hospital, you may want to stay there too. StarterPlus pays up to 80 per cent of the cost of accommodation and meals in the hospital for one parent staying up to 14 days if your child is not older than nine.


The ideal cover for everybody over 60

VitalXtra is our health plan perfectly suited to the needs of seniors.

VitalXtra key benefits:

  • No full medical underwriting: to take out this plan you just need to answer one question about your dental status
  • Benefits suited to your age: this plan combines useful benefits for people over 60. These include restorative dental procedures, prescription glasses and contact lenses, physical therapies and worldwide travel health insurance for up to six weeks per trip.

Why you can benefit from VitalExtra

Getting older often means having to deal with emerging health issues. And often these health issues make it impossible to buy private health insurance. Health insurers' medical underwriting often means that applications from older people are denied. This is where VitalXtra comes in: there are no questions about your health status or medical history except one about your dental status. This means that also people over 60 can take out private supplementary insurance that provides comprehensive benefits in many areas.

Top-up dental plan Pro

Additional dental package for preventive dental services and composite fillings

If you wish to benefit from the most comprehensive dental care, you just need to complement StarterPlus or VitalXtra with our top-up module Pro.

Preventive dental care and dental hygiene
A must-have for everyone who cares about healthy and beautiful teeth. And a vital point when considering your well-being or the success in your job. Pro includes the following dental benefits: dental cleaning (scale and polish), fluoride varnishing, fissure sealing and a periodontal disease risk test.

Composite fillings
As a public insurer, or health insurance fund, Techniker Krankenkasse is not allowed to cover every dental service and treatment your dentist may recommend – and this also includes composite fillings. Pro is the right choice for you if you don't want to settle for less and don't forget: if you do not have a private dental plan which covers composite fillings, you will have to pay the cost out of your own pocket.

Key benefits

  • Excellent preventive dental care and healthy teeth: we reimburse you for 100 per cent of expenses for preventive dental care, for example dental cleaning, fluoride varnishing, fissure sealing and a periodontal disease risk test. (The maximum is 100 euros within two consecutive calendar years). Any payment made by Techniker Krankenkasse will be taken into account.
  • Fully covered for composite fillings: Pro pays 100 per cent of the remaining cost of composite fillings after Techniker Krankenkasse has paid their share of the cost.

Interested in buying health insurance?

If you are interested in taking out insurance online, please visit our German website.

Hints and tips for English speakers:
If you need help with our German application form, you can use a Browser Translation extension. This extension adds a button to your browser toolbar. Click the translate icon whenever you want to translate the page you're visiting. And of course feel free to call us free of charge: 0221 - 27 14 05 70 and we will be happy to help you.