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> Please tell me how I can reduce my TK payment by showing them my gym membership, and I will be very grateful. No sarcasm here.

It looks like the TK doesn't pay for just visiting the gym: https://www.tk.de/techniker/service/leistungen-und-mitglieds...

> Also, as far as I know there is no benefit in going to the dentist, except as "We pay one dental check-up and one clean-up for year, more than that comes out of your pocket". That is at least what I was told when I went to the dentist.

They will pay more for a tooth replacement if you visit the dentist on a regular basis: https://www.tk.de/techniker/service/leistungen-und-mitglieds...

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