AOK vs. TK — which Krankenkasse should you pick?

TK charges 2.69% everywhere; AOK ranges from 2.47% to 3.50% depending on your state. In most regions the difference is a few euros a month, because the Zusatzbeitrag is split with your employer. Benefits are identical by law, so service experience is the better deciding factor.

Yes — two months' notice, paperwork handled by the new insurer. Benefits continue uninterrupted.

Yes, if you are an employee earning above €77,400 gross a year, self-employed, a freelancer or a civil servant. Both AOK and TK charge the maximum public contribution once your income passes the assessment ceiling of €69,750, regardless of age or health, while a private tariff is priced on age and chosen cover. Switching back after 55 is nearly impossible, so compare the long-term cost first. See who qualifies or get a free comparison.