AOK is unique because it operates regionally—there's an AOK for Berlin, one for Munich, one for Hamburg, etc. AOK is incorporated on a state-by-state basis and health insurance premiums vary regionally. For example, if you live in Berlin, you can join AOK Nordost and pay a 3.5% co-payment, while if you live in Magdeburg, you must join AOK Sachsen-Anhalt and pay a 2.5% co-payment.
Regional variation example: If you're in Berlin, AOK Nordost might be more expensive at 3.5%. But if you're in Hamburg, AOK Rheinland/Hamburg might be cheaper at 2.47%. Check your specific city's AOK rate before deciding.
English support: AOK is a popular public health insurance provider for immigrants in Germany, and they've invested in English support, though it's not quite as extensive as TK or BARMER's 24/7 multilingual lines.
Stability: AOK has been around for decades and is well-established in each region. Local staff tend to be experienced with regional bureaucratic quirks, which can help.
Best for: Families with non-working spouses, expats in regions where AOK's rates are competitive, and those who value regional stability and local expertise.
Key info:
– Languages offered: German and English for many services.
– Website in English: Yes
– Support hours: Depends on regional branch; nationwide online membership & hotline.
– Covers visits to doctors and hospitals, medications, dental basic care, family members for free (under conditions).
– Premiums based on income (approx. 14.6% + regional contribution) and employer pays half for employees.
Learn how German Health Insurance & Healthcare works in our Guide for Expats.
