AOK
AOK
Germany's largest regional public health insurer — strong local presence with 1,400+ branches
✓ Visa Compliant
Last updated: March 20, 2026
What's Covered
Benefits and coverage details.
Included
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)
Not Covered
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
Frequently Asked Questions about 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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