AOK Bayern: additional rate and cost in euros
AOK Bayern charges 2.69 %; of the 11 regional AOK funds, it has the 2nd lowest rate.
Checked by Radif Partners · Editorial policy · How we calculate
Your contribution at AOK Bayern, 2026
€397
a month · additional rate 2.69 %
| Contributory income | €3,800 |
|---|---|
| Health insurance (14.6 % + 2.69 %), your share | €329 |
| of which AOK Bayern additional rate | €51 |
| Long-term care | €68 |
| You pay a month | €397 |
| Employer adds | €397 |
| A year (your share) | €4,763 |
Cheapest fund open in Bavaria: BKK firmus (2.18 %). You would pay €116 less a year. Rank 6 of 51.
Chosen today: new fund from 1 January 2027, provided you have been a member for at least twelve months.
Step-by-step calculation
- Income €3,800 → contributory €3,800 (ceiling 2026: €5,813 a month).
- Health: 14.6 % general or reduced rate plus 2.69 % AOK Bayern additional rate, split half and half with the employer.
- Care: 3.6 %.
Estimate under Books V and XI of the Social Code. Your fund’s or employer’s calculation is binding. How we calculate
All 51 funds you can join in Bavaria, in euros
| # | Fund | Add. rate | You pay/month | vs today/year |
|---|---|---|---|---|
| 1 | BKK firmus · regional | 2.18 % | €387 | −€116 |
| 2 | BKK Faber-Castell & Partner · regional | 2.48 % | €393 | −€48 |
| 3 | TUI BKK | 2.50 % | €393 | −€43 |
| 4 | hkk | 2.59 % | €395 | −€23 |
| 5 | Audi BKK | 2.60 % | €395 | −€21 |
| 6 | AOK Bayern · regional | 2.69 % | €397 | ±0 |
| 6 | Techniker Krankenkasse (TK) | 2.69 % | €397 | ±0 |
| 8 | WMF BKK | 2.85 % | €400 | +€36 |
Minus = you pay less a year than at AOK Bayern. Company funds open only to their own staff are left out.
AOK Bayern is Bavaria’s regional health fund (Allgemeine Ortskrankenkasse), and the GKV-Spitzenverband list shows it open in Bavaria only: you can join if you live or work there. Its additional contribution (Zusatzbeitrag) is 2.69 %, making 17.29 % of gross pay up to the ceiling together with the general rate. That puts it 2nd cheapest of the 11 AOKs in Germany, and rank 6 of the 51 funds open to anyone in Bavaria. An employee earning €3,800 gross with one child pays €397 a month for health and care insurance, €48 a year less than at the official average rate of 2.9 %. The cheapest fund open in Bavaria, BKK firmus, costs €116 a year less at that pay. If you leave Bavaria and no longer work there, you cannot newly join AOK Bayern, but you remain a member until you switch.
One fund for one state: what it means for members
The eleven regional AOK funds are organised by territory; the Bavarian one covers exactly one state and sets its additional rate from the income and spending of its Bavarian members. Ranking 2nd of 11 AOKs at 2.69 % is therefore a Bavarian figure with little bearing on the AOK next door. For cross-border commuters that is useful: work in Bavaria and live across the state line, and you can choose between two regional funds and take the cheaper one.
| AOK | Additional rate | You pay a month | vs AOK Bayern a year |
|---|---|---|---|
| AOK Bayern | 2.69 % | €397 | · |
| AOK Hessen | 2.98 % | €402 | +€66 |
| AOK Baden-Württemberg | 2.99 % | €403 | +€68 |
| AOK PLUS | 3.10 % | €405 | +€93 |
AOK Bayern cost in typical cases
| Case | Base | Your share a month |
|---|---|---|
| Employed | €2,500 | €261 |
| Employed | €3,800 | €397 |
| Employed, maximum | €5,812.50 | €607 |
| Retired | €1,600 | €196 |
| Self-employed, no sick pay | €3,000 | €609 |
| Student under 23 | €855 | €141 |
In Bavaria employees and employers also split care insurance equally; the Saxon exception does not apply. Moving from the AOK to a cheaper fund saves little at an average wage and more for self-employed members with high profits, who pay the whole additional rate. Every fund open in Bavaria is in the list of additional rates by state.
When the rate changes
AOK Bayern’s board sets the 2027 rate in the autumn or winter; the official list shows it only from the day it applies. If it goes up, members have a special right to leave until the end of the month of the increase, even within their first twelve months. If the fund lowers it, you benefit automatically from that month; no application is needed. The deadline calculator gives the exact switch date.