How to choose a Krankenkasse

Within GKV, you can choose your insurer (Krankenkasse). TK (Techniker Krankenkasse), AOK, and Barmer are the three largest, each with different contribution add-on rates and service offerings.

Key points to understand

TK: popular with professionals and internationally mobile people; strong English-language support

TK: popular with professionals and internationally mobile people; strong English-language support. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.

AOK: regional focus, strong local networks; varies considerably by Bundesland

AOK: regional focus, strong local networks; varies considerably by Bundesland. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.

Barmer: nationwide, competitive bonus programs; good app and digital services

Barmer: nationwide, competitive bonus programs; good app and digital services. In practice, this is one of the details newcomers most often ask about, so take a moment to understand how it applies to your situation before moving on.

Practical tips

• Prepare your documents and translations in advance — most delays come from missing paperwork.
• Always note the office name, address, and a contact number before you go.
• Ask the community on MyHAbroad if you’re unsure — chances are someone has already been through it.