The difference between TK, AOK, and Barmer — which one for a student?
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95% of students in Germany use gesetzliche Krankenversicherung (GKV — statutory health insurance). The 3 most common GKV companies are: TK, AOK, Barmer.
Comparison (2026)
| Feature | TK (Techniker) | AOK | Barmer |
|---|---|---|---|
| Monthly premium (student) | ~131 € | ~131 € | ~131 € |
| Student tariff under 30 | Yes | Yes | Yes |
| Mandatory over 30 | Yes (private or voluntary GKV) | Same | Same |
| Dental coverage (Standard) | Basic + filling + cleaning | Basic + filling | Basic + 1 x 1 cleaning per year |
| Dental premium | +10 €/month | +12 €/month | +9 €/month |
| Online portal | Most modern, appointments via app | Classic | Mid-level |
| English support | Yes (web + phone) | Limited | Limited |
| Branch network | All of Germany | Widest (state-based) | Wide |
| Turkish support | Limited | AOK Türkische Service (Berlin, NRW) | Limited |
| Mobile app rating | 5/5 | 3/5 | 4/5 |
Other GKV Options
- DAK-Gesundheit — middle ground, family-oriented
- BKK — company health funds, some are cheap (BKK VBU etc.)
- IKK — small craftspeople funds
Which one for students?
TK (Techniker)
- ✓ Most preferred by students
- ✓ Modern mobile app, online document upload
- ✓ Affordable additional package for travel in Europe
- ✗ Fewer physical branches (online-focused)
AOK
- ✓ Varies from Bundesland to Bundesland (AOK Bayern, AOK NRW, AOK Berlin)
- ✓ Strong branch + phone support
- ✓ AOK Türkische Service in Berlin/NRW offers Turkish support
- ✗ More traditional online system
Barmer
- ✓ Academic + student-friendly (library discounts, events)
- ✓ Extensive child preventive healthcare
- ✗ Average app
Practical Advice
- If you are alone and have limited language skills: TK (English service + app)
- If you want Turkish support: AOK NRW or AOK Berlin (Türkische Service)
- For families/with children: Barmer (extensive child services)
- For quick solutions + digital: TK
Switching / Changing
- 18-month rule: No matter which insurance you register with, you can switch to another insurance after 18 months (without proof).
- The fee is the same among GKVs — the difference is only in services/support/dental packages.
- GKV card or exemption certificate is mandatory for university Anmeldung.
Related: Monthly insurance cost | AOK Bayern application.
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