AOK health insurance, explained
Germany's largest public health insurer, with regional branches across the country. Strong on coverage breadth and local service.
Why people choose AOK
Best for: Anyone who values strong regional service and a familiar nationwide name. Strongest fit for families and clients outside metro areas.
Founded 1884 (consolidated structure since 1992)
Established 1884 (consolidated structure since 1992). ≈27 million members across regional AOK branches.
Zusatzbeitrag (2026): 1.7% (varies by AOK region)
On top of the base public rate (~14.6%), each Krankenkasse charges a small Zusatzbeitrag. The number changes annually.
Standard public benefits
Same statutory benefit catalogue as every public insurer — Krankenkassen mainly differ on service and additional benefits.
Switching is easy
You can switch Krankenkassen with two months' notice. Cancellation is straightforward and benefits continue uninterrupted.
AOK at a glance
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Related guides
Two more pages that come up most often when people are at this stage.