Best for: Students who prefer in-person service and live near an AOK office
Setup fee
Free
Monthly fee
€146.29
Setup time
Enrollment at local AOK office or online; 1-2 weeks processing
Languages
DE
Mobile app
Yes (4.2/5)
€119.88/mo
€1438.56/year
Who can use AOK?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | Non-EU students accepted with valid enrollment |
| nationality: eu citizen | Accepted | EU citizens accepted |
| visa type: student visa | Accepted | Primary target audience |
| visa type: language course visa | Not accepted | Language course students need private insurance |
| visa type: job seeker visa | Not accepted | Not eligible for student rate |
| language: no german required | Not accepted | German strongly recommended for AOK |
| age: under 30 | Accepted | Student rate available until age 30 |
AOK is Germany's oldest and one of its largest public health insurance groups, with regional branches across all 16 states. Known for extensive in-person service with over 1,200 offices nationwide. Rates vary slightly by state.
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Setup: €0 | Monthly: €141.16
Students under 30 who want Germany's most popular insurer with the best digital experience
Read reviewSetup: €0 | Monthly: €58.00
Students over 30 who need affordable insurance, or budget-conscious students who want the lowest premium
Read reviewSetup: €0 | Monthly: €146.29
Health-conscious students who value bonus programs and telemedicine
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