保险对比 2026
Techniker Krankenkasse (TK)vs.AOK 德国公共医疗保险
独立的保障、费用和覆盖详情对比。
✓ 基于官方保单文件✓ 更新于 2026年4月✓ 独立对比
| 功能 | 最受欢迎Techniker Krankenkasse (TK) — 学生健康医疗保险查看详情 | AOK 德国公共医疗保险查看详情 |
|---|---|---|
| 费用与保费 | ||
| 每月总保费（23岁以下） | €141.16 | €139.28–€148.09 (AOK Bayern: €141.16) |
| 每月总保费（23岁以上无子女） | €146.29 | €144.41–€153.22 (AOK Bayern: €146.29) |
| Zusatzbeitrag附加费率Additional contribution rate set by each insurer | 2.69% | 2.47%–3.50% (varies by region; AOK Bayern: 2.69%) |
| 保障与待遇 | ||
| 心理健康/心理治疗 | Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage — psychotherapy, psychiatry, inpatient treatment |
| 牙科奖励制度 | Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups |
| 健康奖励计划 | ||
| 奖励金额 | Up to €200/year cash (or €400/year as Gesundheitsdividende) | Up to €200/year (varies by regional AOK) |
| 服务与数字化 | ||
| 英语客服支持 | Excellent — dedicated English hotline (24/7), English TK-App, English website | Limited — depends on regional AOK branch; varies significantly by city |
| 数字化服务 | TK-App (available in English) · ePA (electronic patient record) · TK-Doc video consultations · Online health courses · Digital fitness tracking (Google Fit, Samsung Health, Fitbit integration) | AOK App (Mein AOK) · ePA (electronic patient record) · Online service center · Digital health courses · AOK Gesundheitsnavigator (doctor finder) |
| 参保人数 | 12.3 million | 27 million (across all 11 regional AOKs) |
| 访问Techniker Krankenkasse (TK) — 学生健康医疗保险 → | 访问AOK 德国公共医疗保险 → | |
费用与保费
每月总保费（23岁以下）
€141.16
€139.28–€148.09 (AOK Bayern: €141.16)
每月总保费（23岁以上无子女）
€146.29
€144.41–€153.22 (AOK Bayern: €146.29)
Zusatzbeitrag附加费率
Additional contribution rate set by each insurer
2.69%
2.47%–3.50% (varies by region; AOK Bayern: 2.69%)
保障与待遇
心理健康/心理治疗
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage — psychotherapy, psychiatry, inpatient treatment
牙科奖励制度
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
健康奖励计划
奖励金额
Up to €200/year cash (or €400/year as Gesundheitsdividende)
Up to €200/year (varies by regional AOK)
服务与数字化
英语客服支持
Excellent — dedicated English hotline (24/7), English TK-App, English website
Limited — depends on regional AOK branch; varies significantly by city
数字化服务
TK-App (available in English) · ePA (electronic patient record) · TK-Doc video consultations · Online health courses · Digital fitness tracking (Google Fit, Samsung Health, Fitbit integration)
AOK App (Mein AOK) · ePA (electronic patient record) · Online service center · Digital health courses · AOK Gesundheitsnavigator (doctor finder)
参保人数
12.3 million
27 million (across all 11 regional AOKs)
常见问题
常见问题
TK costs €141.16/month for students under 23 (or with children). Students aged 23+ without children pay €146.29/month due to the additional nursing care surcharge. This breaks down as: €87.38 base health insurance + €23.00 Zusatzbeitrag (2.69%) + €30.78 nursing care (or €35.91 if childless and 23+).
Yes, TK has the best English support among German public insurers. They offer a 24/7 English-language hotline, the TK-App with English interface, an English website (tk.de/en), and English-speaking staff at many branches. Not all written correspondence is in English, but phone and app support are excellent.
Yes, if you are under 30 and enrolled in a degree program at a German university. You must sign up within the first 3 months of enrollment. Language course and preparatory course (Studienkolleg) students are not eligible for GKV.
TK rewards healthy behavior with up to €200/year in cash (or €400/year as Gesundheitsdividende if reinvested in health products). You earn points for preventive checkups, vaccinations, sports club membership, fitness tracking (via Google Fit, Samsung Health, or Fitbit), and health courses.
All GKV insurers cover the same legally mandated base benefits. TK stands out for international students thanks to its English-language support (24/7 hotline, English app), competitive Zusatzbeitrag (2.69% vs. BARMER's 3.29%), and strong digital services. AOK offers more branch offices, while BARMER excels in telemedicine and mental health extras.
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%.
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