Health Insurance (Krankenversicherung)
AOK Review (2026)
Best for: Students who prefer in-person service and live near an AOK office
Setup fee
€0.00
Monthly fee
€118.93
Setup time
Enrollment at local AOK office or online; 1-2 weeks processing
Languages
DE
Mobile app
Yes (4.2/5)
Key Features
- Over 1,200 local offices — best in-person support network
- Regional expertise with state-specific programs
- Strong preventive care and bonus programs
- Family doctor program with coordinated care
- Partnership with local health organizations
- Dedicated international student advisors in university cities
Limitations
- Very limited English support
- Rates vary by state (Zusatzbeitrag differs per AOK region)
- App and digital services less polished than TK
- Branch experience depends heavily on your region
Pricing Plans
Student Rate (under 30)
€119.88/month
€1438.56/year
- Full public health + nursing care insurance
- Student rate: ~€119-122/month (varies by state)
- GP, specialist, hospital, prescriptions covered
- Dental basics included
- Regional bonus programs
Eligibility
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 |
About AOK
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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Alternatives to AOK
TK (Techniker Krankenkasse)
Setup: €0 | Monthly: €117.34
Students under 30 who want Germany's most popular insurer with the best digital experience
Care Concept
Setup: €0 | Monthly: €35.70
Students over 30 who need affordable insurance, or budget-conscious students who want the lowest premium
Barmer
Setup: €0 | Monthly: €119.53
Health-conscious students who value bonus programs and telemedicine
Ready to get started?
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