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AOK Bayern is a health insurance company (Krankenkasse) in Bavaria, Germany, offering statutory health insurance benefits and services.

Last updated September 15, 2026

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Nov 4, 2026
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Overview

AOK Bayern is a health insurance company in Bavaria, Germany. It presents itself as a Krankenkasse offering a broad range of health services, including treatments, pregnancy and preventive care, health courses, supplementary insurance and optional tariffs, and a bonus programme. It provides insured-person services such as forms and applications, membership certificates, the electronic health card, and the online portal and app "Meine AOK", as well as the AOK-Gesundheitsnavigator for finding doctors, psychotherapists, hospitals and midwives. The AOK Bayern states it is a multiply awarded Krankenkasse, recognised by various institutions and magazines.

History

AOK Bayern is a health insurance company in Bavaria, Germany. Its website presents it as a Krankenkasse serving insured persons with health benefits across all life situations, insured-person services, and digital services such as the "Meine AOK" portal and app. The AOK Bayern states that it is a multiply awarded Krankenkasse, recognised with seals and awards by various institutions and magazines.

Products and positioning

A multiply awarded Krankenkasse offering extensive benefits and first-class service, online and on site.

  • Statutory health insurance benefits

    Treatments, pregnancy, preventive care and more; the AOK supports insured persons with numerous health benefits in all life situations.

  • Supplementary insurance and optional tariffs

    Flexible and individual: adapt health protection to personal needs.

  • Health courses

    Movement, nutrition, stress management and more, from an extensive course offering.

  • Bonus programme

    The bonus programme of AOK Bayern covers preventive examinations, sport or membership.

  • Online portal and app "Meine AOK"

    A special AOK service for handling health insurance matters online, including submitting sick notes and uploading documents.

  • AOK-Gesundheitsnavigator

    An information service with details on general practitioners, dentists, psychotherapists, specialists, hospitals, midwives, emergency information and conditions or treatments, with integrated doctor and hospital search.

  • AOK-Curaplan

    Offered exclusively for AOK insured persons for chronic diseases such as COPD or asthma.

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