Should I pick AOK or TK in Germany?

AOK and TK both charge a 2026 Zusatzbeitrag of ~1.7%. AOK leads on local service through regional branches; TK leads on digital service and English-language support. Pick AOK for strong in-person regional support, TK for non-regional digital service and English onboarding.

Is TK or AOK cheaper?

Both around 1.7% Zusatzbeitrag. Differences are minimal at the contribution level — service experience is the better deciding factor.

Can I switch from AOK to TK?

Yes — two months' notice, paperwork handled by the new insurer. Benefits continue uninterrupted.

AOK vs. TK

AOK vs. TK — which Krankenkasse should you pick?

Both are top picks for different reasons. AOK leads on regional service; TK leads on digital, national reach and English support.

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Where each wins

AOK wins on local service
Regional branches mean local advisors, in-person help, and tighter integration with regional doctors.
TK wins on digital service
Strong app, fast claims processing, and English-language onboarding stronger than AOK.
Zusatzbeitrag is similar
Both at ~1.7% in 2026. Cost difference is negligible — service experience is the deciding factor.
English service
TK has dedicated English support. AOK regional branches vary — some are very English-friendly, others not.

AOK vs. TK side-by-side

Feature

AOK

TK

Comparison

Members

≈27 million

≈11 million

Zusatzbeitrag (2026)

Zusatzbeitrag

~1.7% (varies by region)

1.7%

English service

Variable

Strong

Regional branches

Yes — every state

No — national

Digital service

Solid, varies by region

Among the best

Choose a plan to compare

MembersMembers

Zusatzbeitrag (2026)Zusatzbeitrag

English serviceEnglish service

Regional branchesRegional branches

Digital serviceDigital service

Common questions

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Related guides

Two more pages that come up most often when people are at this stage.

AOK review

Germany's largest public insurer.

Learn more

TK review

Largest non-regional public insurer.