Orlando Harmon
AOK (Allgemeine Ortskrankenkasse) is a public or statutory health insurance provider in Germany. With over 100 years of experience, it has become one of the country's largest health insurance providers. AOK offers comprehensive health insurance coverage, including medical treatment, prescription medications, preventive care, maternity and childbirth services, dental care, rehabilitation services, mental health services, and medical aids and devices. The monthly contribution rate for AOK is 14.6% of the member's income, with additional contributions varying by region. AOK also offers health insurance for international students, employees, and retirees, with specific eligibility requirements and contribution rates for each category.
| Characteristics | Values |
|---|---|
| Type of Insurance | Public or statutory health insurance |
| Eligibility | Anyone eligible for public health insurance in Germany; usually employees earning less than EUR 69,300 per year, students eligible for private insurance, and family members of insured people |
| Coverage | Medical treatment, prescription medications, preventive care, maternity and childbirth, dental care, rehabilitation services, mental health services, medical aids and devices |
| Additional Benefits | Vaccination services, sports benefits, family and child services, additional dental services |
| Contribution Rate | 14.6% of monthly income, plus an additional contribution that varies by region |
| Locations | Baden-Württemberg, Bremen/Bremerhaven, Rhineland/Hamburg, Rhineland-Palatinate/Saarland, and more |
| Contact | Website, phone, or in-person at local offices |
What You'll Learn
AOK is a public health insurance provider in Germany
AOK (Allgemeine Ortskrankenkasse) is a public or statutory health insurance provider in Germany. With over 100 years of experience, it has become one of the country's largest public health insurance providers. AOK is dedicated to providing reliable and affordable health insurance options, ensuring that participants are insured according to their specific needs. The company offers comprehensive coverage for a wide range of healthcare services, focusing on the well-being and satisfaction of its members.
AOK's specific offerings may vary depending on the region or federal state in Germany. It is important to research and compare different health insurance providers to find the best fit for your specific needs. AOK has several locations across Germany, and individuals can choose the nearest one to their place of residence. The company provides extensive coverage, including medical treatment, prescription medications, preventive care, maternity and childbirth services, dental care, rehabilitation services, mental health services, and medical aids and devices.
In addition to the statutory health insurance benefits, AOK offers additional coverage options with extra costs. These benefits may include additional vaccination services, sports benefits, family and child services, and enhanced dental services. The extent of these additional services varies between AOK branches, so it is advisable to contact the branch in your region for detailed information.
AOK also offers health insurance for specific groups, such as international students, employees, and retirees. The monthly contribution rate for AOK is 14.6% of the individual's income, which is the same required rate nationally for health insurance in Germany. However, there may be additional contribution rates depending on the specific AOK branch.
Overall, AOK plays a crucial role in Germany's public health insurance system, providing comprehensive and affordable health coverage to millions of people across the country.
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AOK offers comprehensive health insurance coverage
AOK (Allgemeine Ortskrankenkasse) is Germany's largest public health insurance provider, offering comprehensive health insurance coverage to its members. With over 100 years of experience, AOK has established itself as a reliable and trusted name in the German healthcare system.
AOK's comprehensive health insurance plan covers a wide range of healthcare services, ensuring that its participants receive the necessary care they need. Here are some key features of AOK's comprehensive coverage:
- Medical Treatment: AOK covers the costs of medical treatments provided by doctors, specialists, and hospitals. This includes doctor visits, consultations, examinations, surgeries, and hospital stays.
- Prescription Medications: AOK provides coverage for prescribed medications, including both brand-name and generic drugs, as long as they are approved and prescribed by a healthcare professional.
- Preventive Care: Emphasizing preventive healthcare, AOK covers health check-ups, screenings, vaccinations, and preventive treatments to help detect and prevent diseases.
- Maternity and Childbirth: Prenatal care, childbirth, postnatal care, and related services are all included in AOK's coverage. This includes visits to gynecologists and midwives, as well as necessary medical interventions during pregnancy and childbirth.
- Dental Care: Basic dental treatments, such as regular check-ups, cleanings, fillings, and extractions, are covered by AOK. However, advanced dental treatments and cosmetic procedures may have limited coverage.
- Rehabilitation Services: AOK provides coverage for rehabilitation services, including physiotherapy, occupational therapy, and speech therapy, to aid individuals in their recovery and improve their physical and functional abilities.
- Mental Health Services: AOK recognizes the importance of mental health and covers treatments by psychologists, psychotherapists, and psychiatric hospitals. This includes therapy sessions for depression, anxiety, and other mental health disorders.
- Medical Aids and Devices: AOK provides coverage for medical aids and devices, such as prosthetics, hearing aids, and orthopedic devices, supporting individuals with disabilities or health conditions.
In addition to the standard coverage, AOK also offers optional additional coverage for enhanced protection. These benefits may include extra vaccination services, sports and family-related benefits, and more comprehensive dental services.
AOK is committed to providing affordable and accessible health insurance to its members, with a focus on their well-being and satisfaction. With its extensive experience and range of services, AOK ensures that its participants receive the comprehensive healthcare coverage they need.
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AOK's monthly contribution rate is 14.6% of the insured's income
AOK (Allgemeine Ortskrankenkasse) is a German public health insurance provider with over 100 years of experience. It is one of the largest public health insurance providers in Germany, with over 20 million people insured across 11 AOKs.
For example, let's consider AOK NordWest. If an individual has a monthly income of €3,000 and is registered with AOK NordWest, they will be subject to a compulsory contribution rate of 14.6% and an additional contribution rate of 1.89%. This brings their total monthly contribution to €494.70.
The contribution rates and the services offered by AOK can vary depending on the region or federal state in Germany. Therefore, it is essential for individuals to research and compare different health insurance providers, including the various AOK branches, to find the option that best suits their specific needs and location.
It is worth noting that AOK also offers student health insurance, employee health insurance, retiree health insurance, and options for international students.
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AOK has several locations in Germany
- AOK Baden-Württemberg
- AOK Bremen/Bremerhaven
- AOK Rhineland-Palatinate/Saarland
- AOK Rhineland/Hamburg
- AOK NordWest (Schleswig-Holstein, Westfalen-Lippe)
- AOK PLUS (Saxony, Thuringia)
- AOK Nordost (Berlin, Brandenburg, Mecklenburg-Vorpommern)
- AOK Hessen
- AOK Niedersachsen
- AOK Sachsen-Anhalt
Each of these regional branches has its own contact details, including telephone numbers and websites, making it convenient for individuals to reach out and access the necessary information and services.
The extensive network of branch offices ensures that AOK consultants are easily accessible to those seeking health insurance services. The specific details and offerings may vary depending on the region and federal state, so it is advisable to research the different branches to find the one that best suits an individual's needs.
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AOK offers health insurance for international students
AOK is Germany's public or statutory health insurance provider, with over 100 years of experience. It is one of the country's largest health insurance companies, with around 27 million members.
AOK offers affordable health insurance options for international students, with tailored plans to meet their specific needs. International students coming to Germany to study are required to have health insurance. AOK provides comprehensive coverage for students, including medical treatment, prescription medications, preventive care, maternity and childbirth, dental care, rehabilitation services, and mental health services.
The monthly premium for students ranges from €98.50 to €110.47 for health insurance and €29.07 to €34.20 for nursing care insurance, for a total of €127.57 to €144.67.
AOK has a special "AOK Student Service", with personal advice located close to universities. They offer a free choice of over 130,000 doctors and dentists, accessible office locations, long opening hours, and quick assistance. AOK also provides a nationwide telephone hotline and advice on social security matters.
International students can apply for AOK membership before or during their stay in Germany. The insurance is valid for studying in Germany and temporary stays in the EU, Switzerland, Liechtenstein, Norway, the United Kingdom, and Iceland.
AOK's electronic health insurance card makes it easy for students to identify themselves and access medical and dental treatments, as well as health and preventive check-ups. The card also includes the European Health Insurance Card, ensuring access to AOK services while abroad.
AOK's service hotline staff are available to provide advice and answer any questions about health insurance in Germany.
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Frequently asked questions
No, AOK (Allgemeine Ortskrankenkasse) is a public or statutory health insurance provider.
Anyone eligible for public health insurance in Germany can apply for coverage with AOK. This usually includes employees in Germany earning less than €69,300 per year, students eligible for private insurance, and family members of insured people.
The monthly contribution rate for AOK health insurance is 14.6% of your income, which is the same required rate nationally to cover health insurance costs in Germany. However, there is also an additional contribution that varies depending on your location.
