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AOK Bayern

AOK Bayern — Die Gesundheitskasse

75Score

★★★☆☆3.8

Customer satisfaction · 4.7M members

DFSI: Largest Regional Insurer in Bavaria(2026)

AOK Bayern is the largest regional health insurer in Bavaria with 4.7 million members. It offers a competitive Zusatzbeitrag of 2.69% and strong extras for families including osteopathy subsidies up to EUR 300/year for pregnant women.

Overall Score

75/100

Founded

1995

Headquarters

Munich

Type

statutory

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Key Metrics

Zusatzbeitrag

2.69%

Total Rate

17.29%

Bonus Program

yes

English Support

Editorial Ratings

DFSI: Largest Regional Insurer in Bavaria(2026)

Rating: Gut (Good) — largest regional insurer in Bavaria (max: Exzellent)

75DFSI

Coverage Highlights

✓Osteopathy: up to EUR 300/year for pregnant women (6x EUR 50)
✓Children's osteopathy: up to EUR 100/year for children under 9
✓AOK-Gesundheitsvorteil health account
✓Starter bonus of EUR 100 for newly registered children (from Jan 2026)
✓Fitness tracker subsidy: EUR 25 every 3 years

Pros

✓Below-average Zusatzbeitrag at 2.69%
✓Excellent maternity benefits including EUR 300/year osteopathy for pregnant women
✓Extensive branch office network throughout Bavaria
✓Strong local healthcare contracts and provider networks

Cons

✗Regional — only available to residents/workers in Bavaria
✗No English-language support
✗Fewer national awards than nationwide insurers like TK

Frequently Asked Questions

Can I join AOK Bayern if I don't live in Bavaria?

No. AOK Bayern is a regional insurer open only to people who live or work in Bavaria.

What is AOK Bayern's Zusatzbeitrag for 2026?

AOK Bayern charges a Zusatzbeitrag of 2.69% in 2026 (total rate 17.29%), matching TK as one of the most affordable options.

Does AOK Bayern cover osteopathy?

Yes. AOK Bayern offers up to EUR 300/year for pregnant women (6 sessions at EUR 50 each) and up to EUR 100/year for children under 9.

Quick Summary

InsurerAOK Bayern

Country🇩🇪 Germany

Overall Score75/100

Satisfaction3.8/5

Members4.7M

Typestatutory

Founded1995

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