In short
For the TK health insurance card you need a recent, frontal photo with your face clearly visible against a neutral background. A biometric passport photo is not required. TK sends you a letter with a ten-digit one-time password, which you use to upload your digital photo online; you can also upload it in the password-protected “Meine TK” area.
Last updated: · FotoKlar editorial team
Creating the photo for the TK health card
- 1Take a photo in daylight from the front or upload one in the tool above.
- 2“Health insurance card” is already selected: we crop, replace the background and check the photo.
- 3See the free preview, buy and download the file.
Uploading with the one-time password or in “Meine TK”
TK sends you a letter with a ten-digit one-time password, which you use to upload your digital photo online; you can also upload it in the password-protected “Meine TK” area.
- 1Wait for TK’s letter with the one-time password
- 2Create the photo at FotoKlar and download the file (JPG)
- 3Upload with the one-time password, or sign in to “Meine TK” and upload
Photo requirements
What TK itself says:
- 35 × 45 mm, digitally 300 × 400 pixels
- File format jpg, jpeg, bmp or png
- Colour or black and white
- Background as neutral as possible
- Face clearly recognisable, from the front – no tilted or turned head
- No hat or cap; does not have to be biometric
Photo rejected – what now?
If your photo is rejected, TK usually tells you why. Common reasons are shadows, a busy background, a tilted head or a face that is too small.
- Take a new photo in daylight from the front, head straight
- Face large enough in the frame (about 70–80% of the image height)
- Have the background replaced – FotoKlar does this automatically
- If the insurer rejects the purchased photo for not meeting its requirements, we refund the €7.99 in full
Sources
- TK: what the photo must look like – checked 21/10/2026
- TK: submitting the photo for the insurance card – checked 21/10/2026
- § 291a SGB V (photo on the health card) – checked 21/10/2026
