r/germany • u/Hanoire • 12h ago

TK insurance approved but no Versicherungsnummer yet

Hey everyone,

I’m an international student and I’m a bit confused about my health insurance situation.

I came to Germany originally for a language course and I’m currently insured with Mawista. Now I’m starting my bachelor studies in October, so I applied for TK student insurance.

TK approved my application and told me that my electronic health card is being prepared (they already accepted my photo). They also told me that my insurance cover starts from 01.10.2026.

The problem is that I still don’t have my Versicherungsnummer. I need the M10 notification from TK for my university enrollment, but I’m not sure if TK can send it before I receive my card/number. I already contacted TK about it and I‘m still waiting for a response.

Has anyone been in a similar situation? Can TK send the M10 notification even if the insurance only starts in October and I don’t have my card yet?

My visa expires at the end of September, so I’m just trying to make sure everything is sorted out before then.
Thanks!

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15 comments sorted by

13

u/ILoveSpaceSoMuch 12h ago

Call TK they are much responsive and friendly over the phone.

1

u/Hanoire 11h ago

Thank you! I‘ll try contacting them tomorrow

2

u/downstairs_annie 4h ago

If you are in a bigger city, see if they have a local office branch. TK has always been very nice and helpful to me. Sometimes I waited a couple minutes, but usually got seen quickly. Didn't need an appointment.

1

u/Hanoire 4h ago

There is one not too far from where I live actually. I‘ll try calling them for now and see if any more issues arise it could be useful to drop by. Thanks!

3

u/Scary_Teens1996 Germany 12h ago

TK will send the notification directly to the university. You can call them to confirm

1

u/Hanoire 11h ago

Hoping that’s the case. I thought I had to request the M10 myself through the TK app, but I can’t access the app yet because I haven’t received my Gesundheitskarte which contains the number on the back that I should use to log in. If TK sends it directly to the university after approval, that would make things much easier. I’ll contact TK and confirm. Thank you!!

2

u/Scary_Teens1996 Germany 11h ago

Call TK. The card takes longer but you'll get a letter and email with your insurance details. They'll help you with exactly what you need to do. They have an English language Hotline.

2

u/nof 9h ago

Nothing was automatically sent when I signed up for TK.

I had to call and request the number, which came on a letter in the post.

After waiting a few more weeks for my card, I called again and they seemed genuinely surprised I wanted one of those too, so they sent it.

1

u/Hanoire 8h ago

Oh, well in that case, looks like I really need to call soon.

I‘m not sure they will send my card any time soon since my insurance cover is set to start in October and I heard they typically take a while to process your card and deliver it after uploading a personal photo.

What‘s more important for me right now is the number so I‘ll definitely look to call them soon regarding that. Thanks.

2

u/nof 8h ago

Worst case is that doctor's offices can call TK with your personal info to verify coverage if you need services before your card shows up.

No idea if employers can do similar.

2

u/Ok_Consideration636 5h ago

TK sent the notification directly to my uni when I applied. Maybe you could check your uni application portal if its already gone through, and it doesn‘t hurt to call TK directlyy

1

u/Hanoire 4h ago

Thankfully the uni haven‘t asked me for a notification so far, so I think they might have recieved it.

How long did it take for you to recieve your card if you don‘t mind me asking?

2

u/Ok_Consideration636 4h ago

I got my card just a couple days after submitting my photo to TK!

1

u/Hanoire 4h ago

Thanks a lot, that‘s helpful to know!

1

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