Audi BKK

Audi BKK costs €140.39/month for students under 23 (or with children) and €145.52/month for students aged 23+ without children. Breakdown: €87.38 base health insurance + €22.23 supplementary contribution (2.60%) + €30.78 long-term care insurance (or €35.91 if childless and 23+). This makes Audi BKK slightly cheaper than TK.

Yes. Despite its name, Audi BKK has been open to the general public since 2010. Anyone in Germany can join, including international students. The insurer has about 812,000 insured people across the country, not just Audi workers.

Audi BKK runs a lean, efficient organization and has been able to keep its supplementary contribution at just 2.60% in 2026 — one of the lowest rates among nationwide public insurers. The savings vs. market average (around 2.9%) translate to €2–3/month less per student.

English support at Audi BKK is minimal — the primary language is German. There is no dedicated English hotline. If you need reliable English service, TK, BARMER, or SBK are better choices. If you have basic German and want the lowest price, Audi BKK is very attractive.