AOK is one of the largest and most popular health insurers in Germany. Around a third of the German population is insured with the company. The insurer also offers coverage for expats and students from abroad. Here you can find out what insurance cover the AOK offers and how much it costs for students and expats.
The insurer offers an online platform in English that answers the most important questions about health insurance in Germany. In addition, there is a multilingual AOK health insurance contact via service hotline that you can use to get direct advice. This makes it easier for your to contact the health insurer. At selected universities, the AOK study service also offers personal counseling close to the campus.
In addition, the AOK health insurance offers its members various additional services that go beyond the statutory insurance coverage. The insurer takes over or contributes to the costs in selected health courses for yoga, fitness and nutrition. Members can also participate in free webinars. For example about "Studying and Working in Germany”.
Here are some of the benefits you can have with AOK coverage:
The price of the AOK health insurance depends on your income. You pay 14.6 percent for your health insurance. In addition, there is an additional contribution from your health insurance company, depending on which AOK you are insured. On average, the additional contribution is 1.3 percent. In 2022, the price for AOK health insurance will be 15.9 percent of gross income.
Are you in Germany as an employee? Then your employer pays half of the contribution.
If you are here as a student, there are two possibilities. Either your parents also live in Germany and you are under 25 years old, then you can insure yourself free of charge with your parents. (Cover for family members).
If you are over 25 or cannot use your parents' insurance, you must insure yourself. But the AOK offers you a cheap student insurance with low contributions.
AOK is a public health insurance. It is open to all persons in Germany who are required to take out health insurance. However, there are different business units within the AOK, each of which operates independently. For example, the regional AOK Baden-Württemberg if you are in Heidelberg or Stuttgart, or the AOK Bayern for Munich. Which AOK is responsible for you depends on where you are going to work or study.
You can find more information online on the AOK health insurance website or contact the service hotline. Our experts are also available to help you.
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