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AOK Baden-Wurttemberg

72Score

★★★☆☆3.7

Customer satisfaction · 4.5M members

Major Regional Insurer in Baden-Wurttemberg(2026)

AOK Baden-Wurttemberg is the dominant regional health insurer in Baden-Wurttemberg with 4.5 million members. It provides the standard AOK benefit package with bonus programs and preventive care extras.

Overall Score

72/100

Founded

1995

Headquarters

Stuttgart

Type

statutory

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Key Metrics

Zusatzbeitrag

2.99%

Total Rate

17.59%

Bonus Program

yes

English Support

Editorial Ratings

Major Regional Insurer in Baden-Wurttemberg(2026)

Rating: Regional insurer — standard rating (max: Exzellent)

72DFSI

Coverage Highlights

✓Standard AOK extras including bonus programs
✓Preventive care and health promotion courses
✓Extensive branch network across Baden-Wurttemberg
✓Local healthcare provider contracts

Pros

✓Slightly above-average Zusatzbeitrag but strong local provider networks
✓Large branch office presence across Baden-Wurttemberg
✓Well-established AOK brand with consistent service quality

Cons

✗Regional — only for residents/workers in Baden-Wurttemberg
✗No English-language support
✗Fewer documented extra benefits compared to top nationwide insurers

Frequently Asked Questions

What is AOK Baden-Wurttemberg's Zusatzbeitrag for 2026?

AOK Baden-Wurttemberg charges a Zusatzbeitrag of 2.99% in 2026 (total rate 17.59%).

Is AOK Baden-Wurttemberg available nationwide?

No. AOK Baden-Wurttemberg is a regional insurer available only to residents or workers in the state of Baden-Wurttemberg.

What bonus programs does AOK Baden-Wurttemberg offer?

AOK BW offers standard AOK bonus programs rewarding preventive health activities such as check-ups, vaccinations, and fitness courses.

Quick Summary

InsurerAOK Baden-Wurttemberg

Country🇩🇪 Germany

Overall Score72/100

Satisfaction3.7/5

Members4.5M

Typestatutory

Founded1995

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