AOK
AOK
Germany's largest regional public health insurer — strong local presence with 1,400+ branches
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Dernière mise à jour: March 20, 2026
Ce qui est couvert
Détails des prestations et de la couverture.
Inclus
Largest branch network with over 1,400 offices across Germany — in-person support in every city
AOK Bayern and AOK Rheinland-Pfalz/Saarland offer among the lowest Zusatzbeiträge (2.69% and 2.47%)
27 million members across all regions — Germany's biggest insurer group
Strong regional healthcare partnerships and local doctor networks
Bonus program with up to €200/year (varies by region)
Non couvert
English support varies significantly by region — not guaranteed at all branches
Digital services less advanced than TK (no English app interface)
Zusatzbeitrag varies by region: from 2.47% (Rheinland-Pfalz) to 3.50% (Nordost/Berlin)
AOK is split into 11 regional entities — you join the one in your federal state
FAQ
Questions fréquentes sur AOK
AOK costs vary by region. AOK Bayern (cheapest major region): €141.16/month for students under 23 or €146.29/month for 23+ childless. AOK Nordost (Berlin, most expensive): €148.09/month or €153.22/month. The base is €87.38 + regional Zusatzbeitrag (2.47%–3.50%) + nursing care (€30.78 or €35.91).
English support varies by regional AOK. Some branches in university cities (Munich, Berlin, Hamburg) have English-speaking staff, but it's not guaranteed. There is no dedicated English hotline. For reliable English support, TK is the better choice for international students.
You can join any AOK regardless of where you live, but most students join the regional AOK of their university's federal state. AOK Bayern has the lowest Zusatzbeitrag at 2.69%, while AOK Rheinland-Pfalz/Saarland is even cheaper at 2.47%. AOK Nordost (Berlin) is the most expensive at 3.50%.
Yes, if you are under 30 and enrolled in a degree program at a German university. Sign up within 3 months of enrollment. Language course and Studienkolleg students are not eligible for GKV.
AOK offers up to €200/year through its bonus program. Earn rewards for preventive screenings, dental checkups, vaccinations, and fitness activities. Exact program details and amounts vary by regional AOK.
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