AOK vs. Barmer
AOK vs. Barmer — comparison
AOK is regional and the largest. Barmer is national and known for prevention programmes. Different fits for different members.
Where each wins
AOK — local service strength
Regional branches, local advisors, deeper integration with regional doctors.
Barmer — prevention programmes
Strong Bonusprogramme, fitness app integrations, generous prevention rewards.
Zusatzbeitrag
AOK ~1.7% (varies by region). Barmer 2.0% in 2026 — slightly higher.
Both have free family insurance
Standard for all public Krankenkassen — non-working spouse + children covered free.
Common questions
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Related guides
Two more pages that come up most often when people are at this stage.