Haris Ashley
AOK (Allgemeine Ortskrankenkasse) is a German health insurance provider that offers comprehensive coverage for medical treatments, prescription medications, and preventive care. It is known for its equality in insurance coverage, where everyone with insurance is entitled to the same services, regardless of their personal health risk or membership fee. To apply for AOK insurance, individuals can contact the company through their website, phone, or by visiting a local office. They will need to provide their personal details, address, employment information, and information about any dependents. AOK offers various insurance options, including employee insurance, family insurance, and student insurance. The cost of AOK insurance depends on the individual's income, with employees' contributions calculated as a percentage of their gross wage. Students and children of insured individuals can enjoy discounted or free insurance coverage.
| Characteristics | Values |
|---|---|
| Insurance Provider | AOK |
| Insurance Type | Medical Insurance |
| Region | Germany, Europe |
| Application Method | Online, Post, In-person |
| Application Requirements | Personal details, Address, Employment information, Dependents, Previous insurance provider |
| Insurance Coverage | Medical treatments, Prescription medications, Preventive care, Dental visits, Travel vaccinations, Glasses |
| Additional Services | Yoga, Fitness, Nutrition courses, Free webinars |
| Cost | 14.6% of gross income, plus an additional contribution from the insurance company (on average 1.3%) |
| Student Insurance | Available until the age of 30, at a rate of EUR 87.38 per month from 01.2025 |
| Family Insurance | Free for children until the age of 18, or 25 if in education. Free for partners with low income or no employment |
| Self-employed Coverage | Included if self-employed part-time and supported by another income stream |
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What You'll Learn
- Contact AOK via website, phone or in-person
- Provide personal details, address, employment information and any dependents
- Submit a 'child sickness certificate' if applicable
- AOK health insurance costs 14.6% of your income
- AOK covers medically necessary treatments, prescription medications and preventive care
Contact AOK via website, phone or in-person
Contacting AOK
AOK offers several ways to get in touch and start the process of applying for insurance. You can contact them via their website, by phone, or by visiting one of their local offices in person.
Website
The AOK website has an online platform in English that provides answers to frequently asked questions about health insurance in Germany. There is also a contact form that you can fill out to have an AOK advisor contact you directly.
Phone
AOK offers a multilingual hotline for direct advice and guidance on filling out the membership application. The English-language service hotline can be reached Monday to Friday from 8:00 to 16:30 at +49 46190 9855 83.
In-person
You can visit AOK in person by going to one of their local offices. There, you can submit your membership application and ask any questions you may have.
Application Process
Once you have contacted AOK and received the necessary information and guidance, you can proceed to fill out the membership application. This can be done online or by submitting a paper application either in person at an AOK office or by post. After submitting your application, you will receive an email confirming that it has been received.
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Provide personal details, address, employment information and any dependents
AOK (Allgemeine Ortskrankenkasse) is a German health insurance provider that offers comprehensive health insurance coverage. It is a statutory medical insurance provider, meaning that no one can be refused coverage, regardless of pre-existing conditions or income.
To apply for AOK insurance, you must first contact the company through their website, phone, or by visiting a local branch office. You will need to provide your postcode to determine which branch covers your residence area. You will also need to inform them that you wish to register for health insurance and ask about the specific registration process and documentation required.
When filling out the application form, you will need to provide your personal details, address, employment information, and information on any dependents. This includes disclosing whether you are an employee, self-employed, or a family member of an insured individual. If you are switching from another insurance provider, you will need to provide information about your previous coverage.
AOK offers coverage for individuals, families, and students, with varying rates and requirements for each category. For example, if you are a student, you may be eligible for cheap student health insurance until the age of 30. If you are an employee, your employer will pay half of the contribution. If you are a family member of an insured individual, you may be covered for free, depending on your income.
Once you have submitted your application, you will receive confirmation, and an AOK advisor will contact you to discuss the next steps.
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Submit a 'child sickness certificate' if applicable
If your child is ill, you should consult your paediatrician. In Germany, you are entitled to time off work to care for sick children. If you are applying for AOK insurance, you should submit a "child sickness certificate" to your regional AOK provider. This certificate should be given to you by your paediatrician.
If you are an employee in Germany, your employer will pay half of the contribution for your child's insurance. If your child is under 18, they are covered under your insurance. If they are still in school, university, or vocational training, they can be covered until they are 25. If your child is not working up until the end of their 23rd year, their co-insurance cover will continue until that point.
If your child is over 25 or cannot use your insurance, they must insure themselves. Student health insurance costs are determined based on a rate of 10.22% of the required amount specified by the Federal Training Assistance Act (BAföG), which is set at EUR 812. AOK offers affordable health insurance options specifically tailored for students.
If you are applying for family insurance, you can include your family members in your AOK insurance. Family members are insured free of charge. This applies to partners who are not employed or have a low income.
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AOK health insurance costs 14.6% of your income
AOK is a German health insurance company that provides comprehensive health insurance coverage. It is one of Germany's statutory health insurance providers, meaning that it is a public insurance company. As per German law, AOK cannot refuse to cover you, regardless of your income or pre-existing conditions.
AOK health insurance contributions are calculated based on a percentage of your gross wage. The general contribution rate is 14.6% of your income, plus an additional contribution rate that varies depending on the company. This additional contribution rate is typically between 1% and 2%. This means that your total monthly contribution to AOK will be slightly higher than 14.6% of your income. For example, if you have a monthly income of €3,000, your total monthly contribution to AOK would be €494.70, which is slightly higher than 14.6% of your income.
The 14.6% contribution rate is a fixed rate set by the Federal Ministry of Health. This rate applies to all public health insurance companies in Germany and is used to calculate your contributions, along with an additional individual contribution from the insurance company. This rate applies to employees with public insurance, who will typically pay half of the total cost, with the other half paid by their employer. Self-employed individuals can also choose to enrol in public insurance and will pay the same rates as employees. However, they are not obligated to enrol in public health insurance and will bear the full costs if they choose to do so.
To apply for AOK health insurance, you can contact them through their website, phone, or by visiting one of their local offices. You will need to provide your personal details, address, employment information, and information about any dependents. Once you become a member, you will receive a health insurance card that you can present when availing of medical treatment.
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AOK covers medically necessary treatments, prescription medications and preventive care
AOK, or Allgemeine Ortskrankenkasse, is Germany's largest public health insurance provider. It offers statutory health insurance coverage for medically necessary treatments, prescription medications, and preventive care.
Medically necessary treatments include doctor visits, consultations, examinations, surgeries, and hospital stays. AOK covers the costs of dental visits, including fillings and root canal treatments. For preventative treatments, such as crowns, bridges, or implants, policyholders must pay at least part of the cost themselves.
AOK covers the costs of prescription medications, including brand-name and generic drugs, as long as they are approved and prescribed by a healthcare professional.
Preventive care is also covered by AOK. This includes all legally required preventive examinations, as well as advice and courses on becoming and staying healthy. AOK also covers the costs of all vaccinations recommended by the STIKO, relevant booster jabs, and travel vaccinations. Additionally, AOK offers bonus programs where members can earn points by engaging in health-related activities, such as fitness classes, preventive check-ups, or health courses. These points can then be redeemed for rewards.
To apply for AOK insurance, individuals can contact the company through their website, phone, or by visiting a local office. They will need to provide their personal details, address, employment information, and information about any dependents. Once the application is complete, individuals will receive confirmation and an insurance card, which they can present when availing themselves of medical treatment.
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Frequently asked questions
You can apply for AOK insurance by filling out a membership application form and submitting it online, by post, or in person at one of their offices. You will need to provide personal details, address, employment information, and any dependents you may have.
AOK offers health insurance for individuals, families, and students. Family members are insured free of charge, and students can take advantage of cheap student health insurance until they are 30 years old.
AOK covers medically necessary treatments, including dental visits, prescription medications, preventive care, and glasses on a pro-rated basis. They also offer additional services such as contributing to the costs of selected health courses for yoga, fitness, and nutrition.
