Yes. TK offers free family coverage for spouses and children under certain conditions. Children are usually covered up to age 18, or longer if they are students or unemployed. A requirement is that dependents don't have their own compulsory insurance and stay under the income limit.

If you are employed, your insurance premiums will be automatically deducted from your salary. By law, your employer is obligated to cover half of your insurance premium, with the remaining half being taken out of your monthly earnings. If you're self-employed, a student, or unemployed, you'll need to provide an IBAN for the purpose of setting up automatic monthly deductions for your insurance payments.

TK covers all medically necessary treatments, including doctor visits, hospital care, medication, preventive checkups, and basic dental care. Additional services such as psychotherapy, vaccinations, and chronic disease management are also included. Nevertheless, some benefits are not sufficient. Therefore, it is strongly recommended to take out additional private insurance, for dental for example.

Yes. Premiums may increase as they are proportionally linked to the insured individual's income growth. Moreover, the income ceiling that determines the highest contribution bracket is typically adjusted upwards annually.