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AOK Niedersachsen

73Score

★★★☆☆3.7

Customer satisfaction · 3.1M members

Leading Insurer in Lower Saxony (39.8% market share)(2026)

AOK Niedersachsen covers 3.1 million members with a 39.8% market share in Lower Saxony. The insurer has been gaining members and expanded its additional services for 2026.

Overall Score

73/100

Founded

1995

Headquarters

Hanover

Type

statutory

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Key Metrics

Zusatzbeitrag

2.98%

Total Rate

17.58%

Bonus Program

yes

English Support

Editorial Ratings

Leading Insurer in Lower Saxony (39.8% market share)(2026)

Rating: Regional insurer — gaining members (max: Exzellent)

73DFSI

Coverage Highlights

✓39.8% market share in Lower Saxony
✓Expanded additional services announced for 2026
✓Standard AOK extras with bonus programs
✓Extensive branch network across Lower Saxony

Pros

✓Competitive Zusatzbeitrag at 2.98%
✓Growing membership — gaining members in 2025
✓Strong local provider networks in Lower Saxony

Cons

✗Regional — only for Lower Saxony residents/workers
✗No English-language support
✗Fewer documented specific extras than TK or BARMER

Frequently Asked Questions

What is AOK Niedersachsen's Zusatzbeitrag for 2026?

AOK Niedersachsen charges 2.98% in 2026, for a total rate of 17.58%.

Is AOK Niedersachsen growing?

Yes. AOK Niedersachsen is one of the AOK entities that gained members in 2025, indicating competitive offerings and member satisfaction.

Can I join AOK Niedersachsen from outside Lower Saxony?

No. AOK Niedersachsen is regional and only available to people living or working in Lower Saxony.

Quick Summary

InsurerAOK Niedersachsen

Country🇩🇪 Germany

Overall Score73/100

Satisfaction3.7/5

Members3.1M

Typestatutory

Founded1995

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