Members
~27 million (combined)
Zusatzbeitrag
1.30-2.20% (varies by region)
Founded
1884
Best For
People who value in-person service and strong local healthcare networks
Advantages
Largest network — offices in virtually every city and town
Strong regional healthcare programs and partnerships
Good prevention courses (Gesundheitskurse)
Some regions offer excellent Zusatzleistungen
Personal, face-to-face service at local branches
Good for families with regional support programs
Disadvantages
Quality varies significantly between regions
Some regional AOKs have high Zusatzbeitrag (up to 2.20%)
Digital services lag behind TK and BARMER
English support is limited in most regions
Our Verdict
A network of 11 regional AOKs, making it the largest health insurance group in Germany. Coverage and extras vary by region. Strong local presence with physical offices everywhere. With an overall rating of 4.2/5, AOK is a solid option in the public insurance market. At a Zusatzbeitrag of 1.30-2.20% (varies by region), it's competitively priced.
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