Germany's AOK public insurance is one of the most popular health insurance options among students, employees, and trainees. It is characterized by its wide availability and medical services accessible in various German regions. If you are planning to study or work in Germany, registering with AOK Krankenversicherung is an essential step to obtain approved health coverage. In this guide, we will explain the step-by-step process for registering for AOK insurance, while clarifying the conditions, benefits, and most important information before submitting your application.

Before detailing the DAK-Gesundheit public health insurance, it is important to address the Islamic legal ruling on health insurance in general. I addressed this aspect in a paragraph within an article. The comprehensive guide to Care Concept health insurance, where the views of Muslim scholars regarding health insurance and its various types were discussed.

The public and private health insurance system in Germany

Health insurance is mandatory for everyone residing in Germany. Based on this, German embassies require health insurance documents either during the visa interview or when printing the visa on the passport. This requirement aims to ensure that residents on German territory receive the necessary medical care.

The health insurance system in Germany relies on two main types: Government health insurance وPrivate health insurance. Most employees, trainees, and university students are subject to mandatory government health insurance, while certain categories are eligible to subscribe to private insurance according to specific conditions.

Despite the variety of private health insurance companies, they are not always a permanent substitute for public health insurance in Germany. In some cases, a person becomes obligated to switch to public health insurance, such as starting a job subject to mandatory insurance or enrolling in a course of study that requires registration in the public system. Therefore, choosing the appropriate health insurance depends on the purpose of stay and the person's educational or professional situation within Germany. Many new residents or newcomers to Germany may find it difficult to understand the relationship between public and private health insurance, and when switching between them is mandatory or available.
In this guide, I will explain the situations in which you must switch from private to government health insurance, in addition to the cases where you can switch from government to private insurance, while clarifying the most important conditions associated with each case.

What is Private health insurance in Germany؟

The private health insurance system in Germany includesPrivate Health Insurance – PKVmany specialized companies. These companies offer different packages in terms of coverage, subscriptions, and additional services provided to the insured.

Private health insurance in Germany differs from government health insurance, as it allows individuals to choose the level of coverage based on their needs and legal status. Therefore, it is an important option for newcomers during transitional periods before starting their studies or work.

Private health insurance companies offer plans for multiple categories such as students, doctors, pharmacists, Schengen visa holders, and vocational training programs. The use of this insurance continues until the conditions for transitioning to government health insurance are met.

Therefore, private health insurance can be considered a temporary solution or a suitable alternative for specific groups in Germany during certain periods, such as international students before starting their studies, visitors, freelancers, and individuals who are not currently subject to public health insurance, depending on the residency conditions and legal status of each person.

Private Health Insurance Companies in Germany

One of the most famous private health insurance companies (Private Health Insurance – PKV) In Germany:

• Debeka
• HanseMerkur
• Allianz Private Health Insurance
• Care Concept

These companies offer various insurance solutions that differ according to the individual's needs and situation within Germany. These plans include different categories such as students, travelers, expatriates, and people staying in Germany for temporary periods, in addition to people who need private health insurance outside the public insurance system.

Regarding insurance Care Concept, dedicated a series to it Dr. Concept Within the private health insurance section, where I explain the most important packages offered by the company, the subscription conditions, the appropriate categories for each plan, and the step-by-step registration method.

Check out all the types of health insurance offered by Care Concept through an article. The comprehensive guide to Care Concept health insurance].

What isGovernment health insurance in Germany؟

It is important to note that the registration process for public health insurance in Germany (GKV) can be started before arriving in Germany. This is particularly important for international and master's students who know the start date of their semester. They can obtain proof of health insurance and submit it to the German embassy as part of the visa application procedure.

As for the period preceding the start of the semester, the student usually needs health insurance that covers the time before actual studies begin. During this phase, temporary private health insurance can be utilized, such as the packages offered by Care Concept, which were explained in the previous paragraph. The company provides various plans suitable for multiple categories such as doctors, pharmacists, university students, and other expatriates depending on the type of residency. After university studies begin and the required conditions are met, the student can switch to one of the public health insurance companies, which we will discuss in detail in the following sections.

As for those coming for the purpose of work, such as doctors and pharmacists, and those arriving under the Opportunity Card visa (Opportunity Card) or vocational training programs (Training), they may initially need suitable private health insurance for the entry and initial stay period in Germany, as explained in the previous paragraph.

This insurance continues during the transition phase until employment subject to compulsory health insurance begins, whether it is part-time or full-time. When the conditions for government health insurance are met, it is possible to switch to one of the government health insurance companies, the most prominent of which will be explained and their services compared in the following sections.

Public health insurance companies in Germany: Which provider is the best?

The German statutory health insurance system (Gesetzliche Krankenversicherung – GKV) is managed through numerous approved insurance companies. Among the most famous of these companies are AOK, BARMER, DAK-Gesundheit, TK, and KKH. All of these companies provide the same basic health coverage in accordance with German laws. However, they differ in some additional services such as digital services, bonus programs, health offers, and the level of customer service. Therefore, choosing the appropriate insurance company depends on an individual's needs and preferred communication method.

In the Dr. Versicherung series, of which this article is part, I provide a comprehensive guide on the most important public health insurance companies in Germany. The series covers the benefits of each company, registration requirements, and the step-by-step application process. The goal is to help you understand the available options and choose the most suitable health insurance according to your academic or professional situation.

BARMER Public Health Insurance in Germany: My Personal Experience and Why I Recommend It

This is the public health insurance that I recommend for several reasons, and it is also the insurance that I personally use in Germany, so my talking about it is based on practical experience in dealing with the company.

Regarding BARMERwhat truly sets it apart is the level of customer service and the ease of dealing with the company. This is particularly important for newcomers to Germany, where one might initially need help with certain procedures. These procedures include updating insurance data, changing the membership start date, or understanding the steps required to access health services.

Based on my experience dealing with the company, I can help you follow up on these procedures and facilitate communication with them, either by connecting you with Mr. Lennart Müller, who is responsible for following up on cases, or by communicating with me directly to help you complete the required steps.

BARMER is a suitable choice for people starting their lives in Germany, especially international students, master's students, and new employees. The company provides digital services that help members easily manage their insurance, such as tracking membership information, accessing documents, and utilizing available electronic services.

This feature is particularly important for newcomers, as registration for public health insurance can take place before arriving in Germany, such as for university and master's students who need proof of insurance as part of the visa process. Therefore, digital services help track applications, access documents, and communicate with the company before studies or work begin. Moreover, easy communication with BARMER makes dealing with administrative procedures and understanding the German health insurance system much easier.

How to register for this insurance is explained in the article: Public BARMER health insurance in Germany].

Additional security features BARMER Governmental

In addition to the basic medical coverage provided by the German public health insurance system, BARMER A set of additional services aimed at supporting health prevention and encouraging members to continuously take care of their health.

Among the most prominent of these services Health prevention programs, which include certified courses in areas such as physical activity, healthy nutrition, stress reduction, and relaxation. These programs help members develop a healthy lifestyle and prevent certain health risks before problems arise.

As it also provides BARMER Bonus Program...where members can earn points by participating in various health-related activities, such as preventive screenings, vaccinations, participation in sports activities, or health and prevention courses. These points can be converted into cash rewards or used to receive subsidies for certain additional health services.

Examples of services that can be utilized through the rewards program include: subsidies for the cost of professional teeth cleaning (Professional teeth cleaning), some manual therapy services such as Osteopathysports and fitness-related services, and some additional health checks or services that are not always covered by basic government insurance.

The company also provides digital services that help members easily manage their insurance, such as tracking membership, uploading documents, and managing certain procedures via an app My BARMER. This makes it easier to take advantage of these benefits, especially for students and newcomers.

Public health insurance DAK-Gesundheit

is considered DAK-Gesundheit One of the well-known public health insurance companies in Germany. It is characterized by offering a range of additional services that go beyond the basic coverage mandated by the public health insurance system. It is also considered a suitable option for people looking for a balance between insurance costs and the additional benefits provided to members.

One of the points that makes DAK-Gesundheit An attractive option for some people is that the subscription cost is lower compared to some other government health insurance companies, making it a suitable choice for people who care about the financial aspect while maintaining government health coverage.

Progress DAK-Gesundheit for additional support for travel vaccinations, as it can cover up to 90% of the cost of certain travel vaccinations. This feature is particularly useful for people who travel frequently or need additional vaccinations that are not always included in basic services.

The company provides digital health programs that include online coaching and consultation sessions. This allows members to benefit from health and awareness services without the need to visit medical centers directly.

One of the additional benefits offered by DAK-Gesundheit is the possibility of receiving financial support of up to 60 euros for professional teeth cleaning (Professionelle Zahnreinigung). This service is one of the additional benefits that sets it apart from other public health insurance funds.

You can get this insurance by following the registration steps detailed in the article: DAK-Gesundheit public health insurance in Germany].

DAK Fit & Travel package for free

An individual can choose the DAK Fit & Travel package at the same price as the basic package. There are no additional fees for this package. This is considered one of the free benefits not available in other statutory health insurances. This package includes additional benefits such as free travel insurance outside Germany for up to 3 months per year. It also includes rewards when using insurance while traveling. In addition, it includes better hospital health coverage, such as a single room or treatment by the chief physician. This package financially supports health and fitness activities such as gym memberships or the purchase of medical devices.

The company also offers optional insurance packages to suit individual needs, such as:

• DAK Fit & CashReceiving a financial reward for not using medical services for a certain period
• DAK Guarantee TariffThe ability to set a deductible amount and get a refund of up to €600 per year.

In addition to its supplementary health services, it provides DAK-Gesundheit Rewards programs (Bonus ProgramsThese programs allow members to collect points when participating in certain health activities. These points are then exchanged for financial rewards or health services. These activities include preventive medical checkups or health prevention courses.

AOK public health insurance

is considered AOK One of the largest public health insurance companies in Germany, characterized by its wide reach and local branches in most regions. It is suitable for people who prefer direct interaction and local support near their place of residence.

AOK is one of the largest statutory health insurance companies in Germany. It features a wide network of branches and offices spread across many German states and cities. This extensive presence makes it a convenient choice for people who prefer direct communication and visiting a nearby branch. This is especially important for newcomers who may need support at the beginning of their stay in Germany.

Furthermore, the presence of local branches provides the opportunity for direct, personal consultation. This facilitates many procedures such as inquiring about membership, submitting documents, and modifying data. This is particularly useful for people who are still getting to know the German health insurance system and prefer direct communication with staff rather than relying entirely on apps and digital services.

Although AOK It is one of the largest public health insurance companies in Germany, yet its organizational structure differs from some other insurance companies, as it operates through relatively independent regional branches depending on the federal state or region, rather than through a fully centralized system.

This regional organization grants the insured the advantage of having a local entity close to them. However, this also means that some details may vary from one branch to another. Some additional benefits, reward programs, digital services, or the level of support may vary depending on the responsible AOK branch for the place of residence.

Changing your place of residence within Germany may also sometimes require transferring your insurance file to the new local AOK branch, because the system relies on regional branches rather than a fully centralized administration. Therefore, the insured person's experience may vary depending on the federal state or region in which they reside.

KKH public health insurance

is considered KKH (Kaufmännische Krankenkasse) One of the well-known public health insurance companies in Germany, distinguished by its focus on providing personalized service to members while offering a range of health programs and digital services.

Features KKH (Kaufmännische Krankenkasse) With its focus on direct communication with members and providing personalized support when needed, rather than relying entirely on digital services, the company focuses on helping the insured understand procedures and resolve insurance-related issues. This makes it a suitable choice for people looking for a balance between personal communication and the ease of managing insurance online.

This is particularly useful for newcomers to Germany, who initially need some support. This support includes topics such as registration, submitting documents, or understanding the services provided by public health insurance. Furthermore, having personal support helps facilitate the transition into the German healthcare system, especially for people who are not accustomed to administrative procedures.

On the other hand, it should be noted that KKH has a lower spread compared to some large public health insurance companies like AOK, which has an extensive network of branches in various German regions. This may mean that people who prefer visiting a nearby branch and communicating in person might find fewer options.

Additionally, the company's smaller size and lesser reach compared to some major insurance companies may result in differences in the availability of certain services. Therefore, before choosing KKH, it is recommended to verify the services available in your place of residence.

Insurance BIG Governmental

is considered BIG direkt gesund One of the well-known public health insurance companies in Germany. It is particularly characterized by its strong reliance on digital services and the ease of managing insurance remotely. It is a suitable option for people who prefer to complete their transactions electronically and do not need to visit branches frequently.

BIG direkt gesund is characterized by its strong reliance on digital solutions. Members can manage many insurance procedures online or through the app. These services include submitting documents, tracking requests, and accessing membership information easily. This approach makes handling insurance more flexible, especially for people who prefer to complete their transactions electronically without the need to frequently visit branch offices.

As it also provides BIG direkt gesund Electronic and telephone communication channels help members get remote support. This makes dealing with insurance more flexible, especially for those who prefer digital communication over traditional procedures.

Ease of registration and file tracking are among the features that set BIG apart, as many steps—such as submitting documents and tracking application status—can be completed electronically. This is especially useful for students and newcomers to Germany who need to easily manage their insurance during the transition and settlement phase.

When should one switch from private to public health insurance in Germany?

In the case of employment, whether part-time or full-time, or university enrollment for bachelor's and master's students, the person must switch to government insurance.

There are two situations in which one must switch from private insurance to government insurance:

University and master's students

The first case concerns students affiliated with the university, such as bachelor's and master's students. It is well known that private insurance provides health coverage during the German language study phase before starting university. In other words, it allows one to continue with this insurance as long as the person is not officially enrolled in the university. Accordingly, the person becomes obligated to switch from private insurance to public health insurance when starting university studies in Germany.

Care Concept offers this procedure in a simple and fast manner. First, the person chooses to register for private health insurance such as Care College. Afterwards, the insurance company registers the person in the public health insurance from their home country. This is done without the need for an address within Germany, so that this public insurance begins upon entering the university. After applying, the person receives an electronic insurance certificate via email, which they use when applying for the visa at the German embassy. The insurance company then communicates electronically with the university via the M10 system in order to confirm the registration in the public health insurance when the student starts entering the university.

Exemption from government student insurance through Care Student insurance

It is not always necessary for a student in Germany to switch from private insurance to public insurance. For example, Care Student insurance allows many students to remain with private insurance and obtain an exemption from public health insurance (Befreiung). This option helps reduce a portion of monthly costs, as Care Student insurance is less expensive than public insurance, making it a suitable and economical choice for international students.

For more details, you can read the article Care Student: The alternative to public health insurance for students in Germany to learn about its benefits, how to register for it, and the target groups

Employees and trainees

Regarding the second case, it is related to work and trainees in Ausbildung programs. The person can continue with private insurance until starting a part-time (Teilzeit) or full-time (Vollzeit) job in Germany. After starting the part-time or full-time job, the person must switch to public health insurance (Gesetzliche Krankenversicherung).
In contrast, this condition does not apply to work Mini-job. Because this type of work does not require switching to public health insurance. Therefore, a person working a Mini-job can continue with private insurance, such as Insurance Care College or Care Student Without the need to change the insurance.

It is important that a person is not registered in the government health insurance by their employer, because the employer often chooses the cheapest option in order to reduce the costs of which they bear a part within the insurance system. Therefore, it is preferable for a person to register for government health insurance themselves directly online.

When should one switch from private to public health insurance in Germany?

In the case of employment, whether part-time or full-time, or university enrollment for bachelor's and master's students, the person must switch to government insurance.

There are two situations in which one must switch from private insurance to government insurance:

University and master's students

The first case concerns students affiliated with the university, such as bachelor's and master's students. It is well known that private insurance provides health coverage during the German language study phase before starting university. In other words, it allows one to continue with this insurance as long as the person is not officially enrolled in the university. Accordingly, the person becomes obligated to switch from private insurance to public health insurance when starting university studies in Germany.

Care Concept offers this procedure in a simple and fast manner. First, the person chooses to register for private health insurance such as Care College. Afterwards, the insurance company registers the person in the public health insurance from their home country. This is done without the need for an address within Germany, so that this public insurance begins upon entering the university. After applying, the person receives an electronic insurance certificate via email, which they use when applying for the visa at the German embassy. The insurance company then communicates electronically with the university via the M10 system in order to confirm the registration in the public health insurance when the student starts entering the university.

Exemption from government student insurance through Care Student insurance

It is not always necessary for a student in Germany to switch from private insurance to public insurance. For example, Care Student insurance allows many students to remain with private insurance and obtain an exemption from public health insurance (Befreiung). This option helps reduce a portion of monthly costs, as Care Student insurance is less expensive than public insurance, making it a suitable and economical choice for international students.

For more details, you can read the article Care Student: The alternative to public health insurance for students in Germany to learn about its benefits, how to register for it, and the target groups

Employees and trainees

Regarding the second case, it is related to work and trainees in Ausbildung programs. The person can continue with private insurance until starting a part-time (Teilzeit) or full-time (Vollzeit) job in Germany. After starting the part-time or full-time job, the person must switch to public health insurance (Gesetzliche Krankenversicherung).
In contrast, this condition does not apply to work Mini-job. Because this type of work does not require switching to public health insurance. Therefore, a person working a Mini-job can continue with private insurance, such as Insurance Care College or Care Student Without the need to change the insurance.

It is important that a person is not registered in the government health insurance by their employer, because the employer often chooses the cheapest option in order to reduce the costs of which they bear a part within the insurance system. Therefore, it is preferable for a person to register for government health insurance themselves directly online.

When can I switch insurance? Governmental To private insurance in Germany?

Transition from insurance Governmental My students

The age factor is important for registration and transfer in government student insurance:

• If you are under 29 years old, you can get government student health insurance through one of the approved companies mentioned earlier.
• If you are over 29 years old, you cannot register for the special government student health insurance. You therefore need to switch to Care Student Insurance.

Transition from insurance Governmental Work-related

A person can, after or before the end of their employment depending on their insurance status, notify the government health insurance company of their wish to terminate their membership. This usually requires providing proof of alternative health insurance, such as private health insurance provided by Care Concept As explained in the previous paragraph, after reviewing the documents and meeting the required conditions, the government insurance is officially terminated and transitioned to private health insurance.

Completing the registration form for AOK public health insurance

There will be a video explaining how to register for AOK insurance on My YouTube channel.

في البداية من المهم تعبئة البيانات الشخصية في هذه الاستمارة، لأتمكن من متابعة ملفاتكم داخل منصة AOK مع الموظفين المسؤولين وتصبح عملية فتح الحساب أسرع وأسهل.

يرجى بدء التسجيل عن طريق رابط التسجيل الرسمي الخاص بتأمين AOK، حيث توجد العديد من مواقع الاحتيال، لذلك قد يكون من الخطير رفع معلومات شخصية حساسة عليها، خصوصا عندما يتعلق الأمر بالبيانات المالية.

Determining the appropriate AOK government branch

Once you submit your request via the link above, it will be automatically forwarded to the appropriate branch, which is determined based on your place of residence or work in Germany.

Select membership category and start date of AOK statutory health insurance

The appropriate registration category is selected based on your current status in Germany, such as employee, student, or trainee.

In this guide, the focus will be on the most common categories, which are employees, trainees, and students. People who have a job or a new employment contract choose the option Employed Person, while those who choose to begin vocational training select the option Trainee.

As for undergraduate and master's students, they choose the option Student. Some questions and procedures for students differ from those for employees and trainees, and these differences will be clarified during the registration steps when necessary.

At this stage as well, the insurance start date must be determined, either by choosing the earliest possible date or by entering a specific date that suits you.

If the option is selected Start insurance on a specific date, the system will ask you to enter the date on which you would like your membership with AOK. Ensure that an appropriate date is chosen that coincides with the start of work, study, or training.

Entering personal data

After selecting the membership category and the insurance start date, you will proceed to the stage where you enter the personal information required to complete your registration application for AOK. This step includes basic information such as first name, last name, date of birth, nationality, place of birth, and country of birth. All information must be entered accurately, as it is used to verify your identity and complete the membership process correctly.

Enter Your Social Security Number

In this step, the registration form asks you in AOK Regarding the Availability of the German Pension Insurance Number (Social Security Number). If you have it, you can select “Yes” and enter it.

If you do not have a pension insurance number, you can select “No” and continue with registration. You will then be asked to enter your birth name (Birth/Maiden Name).

Enter residential address

After entering personal data, you move to the step of adding the current residential address. The company requests AOK Enter your address information so we can send you official documents and contact you when necessary. This information includes the country, zip code, city, street name, and house number. Additional information is optional and does not need to be filled out.

If a person is not yet a resident of Germany and does not have a registered address (Registration) Within Germany, they may face difficulties registering with some public health insurance companies. In this case, you can choose an insurance company that allows you to start the enrollment process even before you have a German address, such as BARMER, where you can begin the enrollment process in advance, even if you won’t need the insurance until a later date—such as several months or a year from now.

Register in Barmer public health insurance Before your arrival in Germany

Entering contact data

In this step, the required contact information is entered to follow up on the membership procedures in AOK. Email is one of the most important pieces of data, as it is used to send information and updates related to the registration request and health insurance. As for the phone number, it is requested to be used when needed to contact you or inquire about any additional information related to the membership.

Entering employer or training place data when registering for AOK employee insurance

This step appears for people who selected a category Employee Or Apprentice At the beginning of the registration request, a company asks AOK Enter the current employment information so that health insurance data and contributions can be correctly sent to the employer.

At this stage, you must determine whether you will start a new job, then enter the employer's or company's name and the start date.

In addition, the employer's address must be entered in full. Address data can be easily searched via Google Maps In case you do not know, or contact the company or organization directly to obtain the correct information. You are also asked to specify whether you are doing an additional job alongside your current work.

Study data entry

This step appears for people who selected a category The student At the beginning of the registration request. You request AOK Enter current study information, such as university name and semester start date, to automatically notify the university via the health insurance electronic reporting system.

This stage includes questions about the student's financial and insurance situation. Inquiries are made about receiving support BAföG or applying for it, in addition to being exempt from mandatory health insurance. It is also inquired whether there is health insurance in another country within the European Union, the European Economic Area, or countries that have agreements with Germany.

Overtime data entry

This step appears for students who have extra work alongside their studies, such as a part-time job (Teilzeit) or an internship (InternshipThe type of activity the student is engaged in must be specified, whether it is a part-time job or self-employment.

Information related to this work is also required to be entered, such as the monthly income value, the number of weekly working hours, the start date of the work, in addition to the expected end date of the job if it is specified.

If the option is selected Part-time job/internship, a company requests AOK Enter the student's current employment information so that health insurance data and contributions can be sent correctly to the employer.

At this stage, you must determine whether you will start a new job, then enter the employer or company name and the start date. In addition, the employer's address is added, which can be easily searched via Google Maps In case of not knowing, or by communicating directly with the company or organization to obtain the correct data. You are also requested to specify whether you are practicing another additional job alongside this work.

Pension data entry

This step appears to check if the applicant receives a pension from German Pension Insurance. In case you are not receiving any pension, the option is selected No and follow up on the registration process.

If you are receiving a pension, you must enter the start date of the pension (Beginn des Rentenbezugs).

Additional Information Required for Students

At this stage, AOK is requesting additional information from students wishing to obtain public health insurance in order to ensure that the registration can be completed and to determine the appropriate insurance status.

First, you are asked whether you receive a pension from outside Germany (receive pension benefits from abroad). It is also inquired about obtaining other retirement benefits such as a company pension or occupational pension (receive retirement benefits, e.g. company pension, annuity – also from abroad).

You must select the appropriate answer according to your personal situation, as this information may affect how your health insurance application is processed.

SEPA Direct Debit Mandate when registering for AOK statutory student insurance

This section is dedicated to government health insurance for students only, and does not appear under government health insurance applications for employment or training. In the case of insurance through employment, insurance contributions are usually deducted directly from the salary before it is transferred to the bank account.

In this step, the direct debit authorization is set up (SEPA mandate), which allows AOK to collect health and nursing care insurance contributions (health and nursing care insurance) from your bank account automatically. This authorization helps facilitate the payment of subscriptions and avoids payment delays.

After completing the online registration request, you can download the participation request for the direct debit system (application for participation in the SEPA direct debit scheme), then sign it and send it to AOK to complete the procedures.

As you are also asked to enter the bank name (Name of the credit institution) وتاريخ بدء صلاحية التفويض (Valid from).

إذا كنت ترغب في سحب الاشتراكات من حسابك البنكي الشخصي، اختر Yes في السؤال المتعلق بما إذا كان الخصم سيتم من حسابك الخاص (Should the debit be made from your own account?).

أما إذا كان شخص آخر سيتولى دفع اشتراكات التأمين نيابةً عنك، فيمكن اختيار No في السؤال المتعلق بكون الخصم من حسابك الشخصي.

بعد ذلك يجب إدخال بيانات صاحب الحساب المختلف (Account holder) الذي سيتم الخصم من حسابه، وتشمل الاسم الأول، اسم العائلة، عنوان صاحب الحساب.

كما يجب إدخال اسم البنك وتاريخ بدء صلاحية التفويض، ورقم الحساب البنكي الدولي (IBAN).

بعد إكمال الطلب الإلكتروني، يمكنك تحميل نموذج المشاركة في نظام الخصم المباشر (SEPA mandate)، ثم توقيعه وإرساله إلى AOK لإتمام عملية الخصم المباشر.

Nursing Care Insurance Information Upon Enrollment in the AOK State Student Health Insurance Plan

في هذه الخطوة تطلب AOK معلومات إضافية تتعلق بتأمين الرعاية التمريضية (Pflegeversicherung). يتم السؤال عما إذا كنت أبا أو أما لطفل واحد أو أكثر.

يُستخدم هذا السؤال لتحديد قيمة الاشتراكات الخاصة بتأمين الرعاية التمريضية، حيث تختلف المساهمات حسب وجود أطفال وعددهم وفقا للقوانين المعمول بها في ألمانيا.

Determining the current health insurance status when registering with AOK public health insurance

في هذه المرحلة تطلب AOK معلومات حول وضعك التأميني الحالي، وذلك لتحديد طريقة الانتقال إلى التأمين الجديد ومعالجة طلب العضوية بشكل صحيح.

يجب اختيار الحالة التي تنطبق عليك من بين الخيارات التالية:

• Compulsorily insured: إذا كنت مؤمّنا بشكل إلزامي، مثل الموظفين، المتدربين، المتقاعدين أو الأشخاص العاطلين عن العمل.
• Voluntarily insured: إذا كنت مؤمّنا بشكل اختياري، مثل العاملين لحسابهم الخاص أو الأشخاص الذين يتجاوز دخلهم السنوي الحد المحدد للتأمين الإلزامي.
• Family insurance: إذا كنت مشمولا بالتأمين العائلي كزوج/زوجة أو كطفل ضمن تأمين أحد أفراد الأسرة.
• No statutory health insurance: إذا لم تكن لديك عضوية حالية في التأمين الصحي الحكومي، مثل الأشخاص المؤمنين بتأمين صحي خاص، أو المقيمين خارج ألمانيا، أو الأشخاص الذين لا يملكون تأمينا صحيا.

في حال اختيار أحد الخيارات الثلاثة الأولى، سيُطلب منك إدخال اسم شركة التأمين الصحي الحالية.

أما في حال اختيار الخيار الرابع No statutory health insurance (لا يوجد تأمين صحي حكومي)، فسيُطلب منك تحديد سبب عدم وجود تأمين حكومي حاليا. تشمل الخيارات المتاحة حالات مثل التأمين الصحي الخاص، أو وجود تأمين صحي في الخارج (Abroad)، أو عدم وجود تأمين سابقا، بالإضافة إلى التأمين عبر القوات المسلحة (Bundeswehr).

يجب اختيار السبب المناسب حسب وضعك الحالي، لأن ذلك يساعد AOK على تحديد الإجراءات المطلوبة لإتمام التسجيل.

Adding family members to AOK statutory health insurance

في هذه الخطوة تسأل AOK عما إذا كان لديك زوج/زوجة أو أطفال ترغب في تسجيلهم ضمن التأمين العائلي المجاني.

في حال اختيار Yes، سترسل لك AOK نموذج طلب التأمين العائلي عبر البريد الإلكتروني ضمن رسالة تأكيد طلب العضوية، ويمكن تحميله وتعبئته لإضافة أفراد العائلة إلى التأمين. أما إذا لم يكن لديك أفراد عائلة ترغب في تأمينهم، فيمكن اختيار لا (No) ومتابعة التسجيل.

Confirm data and agree to the terms and conditions

في الخطوة الأخيرة من طلب التسجيل، تطلب AOK تأكيد صحة البيانات الشخصية التي تم إدخالها، بما في ذلك معلومات العنوان. كما يجب الموافقة على معالجة البيانات الشخصية بهدف إتمام إجراءات العضوية وفقا لقوانين التأمين الصحي الألماني.

توضح هذه الصفحة أن البريد الإلكتروني ورقم الهاتف يُستخدمان للتحقق من البيانات والتواصل معك بشأن حالة طلب العضوية عند الحاجة. كما يمكن مشاركة بعض البيانات مع جهات أخرى قبل AOK عند الحاجة.

بعد ذلك يجب تأكيد صحة المعلومات المدخلة، مع العلم أنه يتوجب إبلاغ AOK بأي تغييرات مستقبلية في البيانات الشخصية. كما يوجد خيار إضافي اختياري يسمح بالموافقة على تلقي معلومات حول عروض AOK والتأمينات الإضافية والاستبيانات التسويقية عبر البريد الإلكتروني أو الهاتف أو الرسائل النصية.

Review Your Information and Submit Your Application for AOK Government Health Insurance

قبل إرسال طلب العضوية، تظهر صفحة المراجعة النهائية التي تتيح لك التأكد من جميع البيانات التي قمت بإدخالها. يُنصح بمراجعة المعلومات بعناية، مثل فئة العضوية، تاريخ بدء التأمين، البيانات الشخصية، معلومات التواصل وجميع التفاصيل الأخرى.

في حال وجود أي خطأ، يمكن العودة إلى الخطوات السابقة وتعديل البيانات قبل الإرسال. أما إذا كانت جميع المعلومات صحيحة، فيمكن الضغط على زر Absenden لإرسال الطلب إلى AOK والبدء بإجراءات إنشاء العضوية.

بعد إرسال الطلب بنجاح، يكون الشخص قد أتم عملية التسجيل في التأمين الصحي الحكومي لدى AOK. تتم معظم الإجراءات اللاحقة عبر البريد، حيث ترسل AOK المستندات المهمة إلى عنوانك المسجل. تشمل هذه المستندات بطاقة التأمين الصحي (Gesundheitskarte) وتفاصيل العضوية والمعلومات المتعلقة بالتأمين.

كما يمكن متابعة تفاصيل التأمين والخدمات المتاحة بسهولة من خلال تطبيق AOK، الذي يتيح الوصول إلى معلومات العضوية، المستندات، الخدمات الرقمية والتواصل مع شركة التأمين عند الحاجة.

Conclusion

Securing AOK الحكومي خيارا موثوقا للطلاب والموظفين في ألمانيا، لما يوفره من تغطية صحية شاملة موثوقة. وبعد التعرف على خطوات التسجيل والشروط والمزايا، يمكنك الآن اختيار التأمين المناسب لاحتياجاتك وإتمام إجراءات التسجيل بكل سهولة. إذا كنت لا تزال تقارن بين شركات التأمين الصحي الحكومي في ألمانيا، فمن المفيد أيضا الاطلاع على الخيارات الأخرى لمعرفة الأنسب لوضعك الدراسي أو الوظيفي.