Comparison

TK vs Klima

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

TK

Manage your health insurance digitally. Upload receipts, view sick notes, and track fitness for bonus points. Securely communicate with your provider and access your health data.

Highlights
  • Digital receipt uploads
  • View sick notes
  • Secure messaging with provider
  • Digital bonus program
  • Fitness tracking via Apple Health/Fitbit
  • Access to health data (TK-Safe)
Read full description

“Die Techniker” provides its customers with a digital all-purpose tool. For example, you can use this app to upload your receipts for reimbursement, view existing sick notes, or do something for your fitness while collecting bonus points." FEATURES - Protection of sensitive data through secure login (e.g. no jailbreak allowed) - Transmission of sick notes and documents - Send messages to the Techniker - Receive letters from the Techniker - Use the TK Bonus Program completely digitally - TK-Fit with access to Apple Health or Fitbit - Overview of prescribed drugs of the last six years - Apply for reimbursement of costs for medicines, vaccines, osteopathy and health courses SECURITY As a statutory health insurance company, we are committed to the best possible protection of your health data. That's why we check your identity when setting up TK-App on your smartphone. You can either identify yourself online using your ID card and PIN via the Nect Wallet app or by entering an activation code. We‘ll send you the activation code via post. You can find everything else about our security concept at www.tk.de/tk/942778 Note: The use of TK-App with jailbroken devices is generally not possible. FURTHER DEVELOPMENT We are continuously adding new features to TK-App - your ideas and hints help us most. Write us directly and anonymously via the feedback function in TK-App. BONUS & TK-Fit Membership in a football club, regular check-ups at the dentist, the non-smoking course after New Year's Day - all these things earn points for the TK Bonus Program. And thanks to the connection to Apple Health or Fitbit, you'll receive points for many other activities. TK-SAFE With TK-Safe you have all relevant health data at a glance: Your visits to the doctor, diagnoses, medication, vaccinations, preventative medical checkups and much more. Please note that TK-Fit and TK-Safe are not available in English yet. REQUIREMENTS For the TK-App: - TK customer - iOS 18 or higher - No device with modified operating system, e.g. Jailbreak (For more information, see www.tk.de/tk/942782) For TK-Fit: - Step counting using Apple Health or Fitbit and your smartphone or a compatible fitness tracker (for information on TK-Fit, see www.tk.de/tk/938122) ACCESSIBILITY We aim at providing you an app that is as barrier-free as possible. You can find the accessibility statement at https://www.tk.de/techniker/2137808.

About

Klima

Earn rewards for eco-friendly travel like walking, cycling, and using public transport. Track your CO₂ savings and redeem earned currency for discounts on events, activities, and local partner offers. Discover tips for a sustainable lifestyle and participate in community projects.

Highlights
  • Track journeys by foot, bike, and public transport
  • Calculate CO₂ savings
  • Earn Klima-Taler rewards
  • Redeem rewards for discounts and free entry
  • Sustainable living tips and ideas
  • City challenges and competitions
  • Map of sustainable places
Features
Read full description

Come get moving, have fun, and collect valuable Klima-Taler. The app tracks your journeys on foot, by bike, and on public transport. It calculates the CO₂ savings and generates one Klima-Taler for every 5 kilograms saved. You can redeem your Klima-Taler for free entry and discounts at sports and cultural events, swimming pools, museums, and of course with over 500 local partners. What else you can explore in the app: • Practical tips to reduce your footprint • Energy-saving ideas for everyday life • City challenges and competitions • A map of sustainable places near you • Local news and updates from your municipality • Community donation projects The Klima-Taler app is particularly battery-friendly. Nevertheless, the consumption is higher when the GPS function is switched on than when the smartphone is in normal operation. We need GPS in order to recognize the modes of transport and to be able to reward you with Klima-Taler. Data protection is our highest priority. We host the app in Germany in compliance with GDPR.

Screenshots

TK4 screens
Klima4 screens

Verdict

The call

The clearest difference is update cadence: TK at every 9 days against Klima's every 4 weeks. TK also leads on monetization model (free vs ad-supported). Klima's advantage is iOS requirement (13.0 vs 18.0). On price, review sentiment, ads and in-app purchases there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

TK ships an update every 9 days, Klima every 4 weeks. Both last shipped on October 17, 2026.

Scorecard3 real differences · 7 level
TK versus Klima: the parameters behind the verdict, then further details
ParameterTKKlima
PriceFreeFree
Rating4.8 (1.2K ratings) — better—
Positive reviews72.4% of reviews73.9% of reviews — better
Number of ratings1.2K — better—
Update frequencyEvery 9 days — betterEvery 4 weeks
AdsNoNo
In-app purchasesNoNo
MonetizationFree — betterAd-supported
DevicesiPhoneiPhone, iPod — better
Requires iOS18.013.0 — better
Further details — not scored
Size539 MB9 MB
Age rating12+4+
DeveloperTechniker Krankenkasse (TK)Changers

Customer experience

TK

All ratings1,195 ratings
Positive96.3%
Neutral1.5%
Negative2.2%
Written reviews116 reviews
Positive72.4%
Neutral11.2%
Negative16.4%

Klima

Written reviews23 reviews
Positive73.9%
Neutral21.7%
Negative4.3%

Bugs and requests

TK

Reported bugs

5 issues
  • Login issues after updates
  • Incompatibility with older devices
  • Synchronization problems with Apple Health
  • Errors when submitting sick notes
  • Incomplete English translations

Requested features

5 requests
  • English language support for all features
  • Integration with more fitness tracking apps
  • Larger QR code display in wallet for easier scanning
  • Ability to view and manage bonus program details
  • Improved data synchronization and real-time updates

Klima

Not enough reviews yet to summarise bugs or requests.

In-app purchases

None

TK

No in-app purchases

None

Klima

No in-app purchases

Questions

Is TK free?
TK is free to download, with no in-app purchases.
Is Klima free?
Klima is free to download, with no in-app purchases.
Do TK or Klima have ads?
Neither TK nor Klima shows ads.
Which is updated more often, TK or Klima?
TK ships an update every 9 days, and Klima every 4 weeks. Most recently, TK was updated on October 17, 2026 and Klima on October 17, 2026.

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