AOK is not a private insurer. It is one of the statutory (public) health insurance funds, and AOK’s own information for international students says so. The real choice in Germany is between statutory insurance, which includes AOK and many other funds, and private insurance, which is a different system.
Everyone needs cover
DAAD says every person in Germany must have health insurance. International students must prove equivalent coverage that meets German standards, either when they register or, depending on their country, when they apply for the visa. This applies to preparatory courses and a Studienkolleg too.
Statutory and private compared
DAAD describes the two types this way:
| Statutory (gesetzlich) | Private (privat) | |
|---|---|---|
| Who uses it | Most people, according to DAAD | Fewer people |
| Basic cover | A basic plan that includes most doctor visits, many medicines, emergency rides and hospital stays, the same whichever fund you choose | Plans vary by provider |
| Cost | Reduced student rate for those under 30 | More benefits generally, but significantly more expensive, with advance payments |
DAAD adds that private insurers’ services vary, so check what a specific provider covers.
Why the fund you choose matters less than the type
Because the basic statutory cover is the same at every fund, DAAD says the differences are in extras and service. AOK makes the same point from its side: do not choose only by the monthly fee, and also compare customer service, accessibility and special services.
The student rate and the age line
DAAD says students under 30 pay a reduced student rate of about 120 to 130 euros per month with statutory providers. From age 30 the standard contribution applies even while you study. DAAD notes that this can cost much more than a student plan from a private insurer, so it may be worth checking whether private insurance is cheaper for you. It also points to packages from some local Studierendenwerke, the student services, that bundle accommodation, meals and health insurance.
Rates change, so ask the fund for the amount that applies to you before you sign.
If you already have insurance at home
DAAD says some students can keep their home-country cover where Germany has a social insurance agreement, which mostly applies to the EU and the European Economic Area. You will usually need a European Health Insurance Card and a certificate from a German statutory fund confirming you are not required to take German statutory cover. DAAD adds a limit: with private insurance you cannot switch to statutory during your studies.
When you work
A paid internship or a part-time job changes this. DAAD says home-country insurance is then not considered sufficient and you must obtain German coverage. AOK says student insurance may no longer be enough once you are employed or self-employed, and asks members to tell them in advance. Read the guide to working while studying and the internship rules.
Before the visa application
The student visa document list usually includes proof of health insurance. Ask your mission which certificate it accepts and in which form. The student visa guide lists the usual documents.
SGC does not sell or recommend an insurer. Insurers decide membership and cost, and the mission decides what proof it accepts.