German AOK Health Card Application

In Germany, having health insurance is obligatory, including for foreign residents and international students. Below you will learn a bit about the bureaucratic part of this system.

Table of contents

AOK health insurance benefits

First of all, by having health insurance, you will be fulfilling the requirement, which is a must for all students before they enroll in a university. But more essentially, having it covers you if you get sick, so you will not have to pay an exorbitant amount for healthcare.

The specific benefits of your insurance depend on the insurance policy. But in general, your insurance provider pays out (whether partly or fully) for medical (and dental) treatments, medicine, therapy, assistive equipment, and hospital treatment. Besides treatment, they also pay for its policyholders’ legally required preventive examinations.

AOK Health Card for students

As mentioned above, health insurance is a requirement before enrolling in a German university. If you have health insurance, you may also get a card to identify yourself as a policyholder.

In most cases for foreign students, cheap student health insurance may be suitable. However, if you become a worker besides your studies or beyond that, you may need more coverage than what your student policy covers.

Present the health card at each doctor visit or hospital; that way, the services received are directly settled with the AOK.

How to apply for a German electronic Health Card?

To receive an electronic health card, you will first need to become a member of an insurance provider, such as AOK. In the case of AOK, you will need to:

German Health Card photo requirements

The insurance photo specifications are similar to passport photo requirements:

Example of a photo for a German Health Card:

German AOK Health Card photo for application
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Source photo example that you need to take in order to make a passport or visa photo at


Result example: a correct visa or passport photo that you will receive

First, take a photo of yours like this under daylight:

German AOK Health Card Photo original source

You will have two types of photos: a digital one for electronic applications and another one suitable for printing.

Here they are:

Example of Germany AOK Health Card photo
Germany AOK Health Card photo for printing

AOK Health Card price

The card itself does not have a price, it comes with the insurance policy. The price of insurance policies themselves may vary. For example, for AOK student health insurance, starting 2022, the monthly rate is EUR 86.63, with regional variations of EUR 2 to EUR 7. In addition, there is a statutory contribution for care insurance of 22.94 EUR per month in January 2022. Insured persons aged 23 and above without children pay EUR 25.57. Learn more about the price of your insurance policy with your policy provider.

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