AOK

AOK costs vary by region. AOK Rheinland-Pfalz/Saarland (cheapest region): €139.28/month for students under 23 or €144.41/month for 23+ childless. AOK Bayern: €141.16/month or €146.29/month. 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.

Each AOK is open to people who live or work in its region, and students can also choose the AOK where their university is located (§ 173 SGB V) — so most students join the AOK of the federal state where they study. AOK Rheinland-Pfalz/Saarland has the lowest Zusatzbeitrag at 2.47%, AOK Bayern charges 2.69%, and 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.