AOK Nordost and DAK-Gesundheit are two leading health insurance companies in Germany, with AOK Nordost founded in 1884 and DAK-Gesundheit established in 2012 through a merger. Both companies have numerous branches across Germany to serve insured persons nationwide. This article compares their contributions, services, benefits, and coverage in detail, helping you make an informed decision about your health insurance.
Contributions and Prices
| Company | Additional Contribution | Total Contribution |
|---|---|---|
| AOK Nordost | 1.9% of salary | 16.5% |
| DAK-Gesundheit | 1.7% of salary | 16.3% |
Services Provided
AOK Nordost
- Wide network of health centers (110 centers).
- 24-hour telephone lines, 7 days a week.
- Telephone line for doctors and midwives.
- Special telephone line for maternity and breastfeeding.
- Personal consultation services in health centers and other locations.
- Home visit service.
DAK-Gesundheit
- Dedicated programs for chronic patients.
- Extensive examinations for pregnant women and children.
- 24-hour telephone lines, 7 days a week.
- Doctors’ telephone line.
- Special telephone line for long-term illness after Corona.
- Appointment booking service with doctors.
- 312 branches and more than 2900 customer service advisors.
- Chat and video services.
Benefits and Coverage
| Company | Allergy Medication | Home Help | Naturopathy and Alternative Medicine |
|---|---|---|---|
| AOK Nordost | Coverage of costs based on prescription | Home nursing services and expanded assistance in specific cases | Coverage of naturopathic and alternative medical practices |
| DAK-Gesundheit | 100% coverage with contracted partners | Home help even if the child is under 14 years of age | Up to 500 euros per year subsidy for naturopathic methods provided by physicians and practitioners |
Prevention and Public Health Programs
AOK Nordost
- Offers a wide range of health and prevention programs, such as nutrition, diet and exercise courses, and smoking cessation.
- Health education and awareness campaigns for children and youth.
- Mobile phone applications to promote health and prevention.
DAK-Gesundheit
- Comprehensive health prevention and awareness programs.
- Courses on smoking cessation, weight management, and nutrition.
- Health programs for children and youth.
- Mobile phone applications to promote health and prevention.
Medical and Surgical Treatments
AOK Nordost
- Coverage of necessary and cosmetic surgical procedures as medically required.
- Coverage of necessary medical treatments.
DAK-Gesundheit
- Coverage of necessary and cosmetic surgical procedures as medically required.
- Coverage of necessary medical treatments.
Rewards and Incentive Programs
AOK Nordost
- The “AOK PLUS” program awards points to members for certain health activities such as exercise and attending health courses. Points can be redeemed for cash rewards, products, or health services.
DAK-Gesundheit
- The “DAK fit2go” program awards points to members for certain health activities such as exercise and attending health courses. Points can be redeemed for cash rewards, products, or health services.
Both AOK Nordost and DAK-Gesundheit offer a wide range of services and coverage. The main differences between them may relate to subscription levels and the range of services provided. It is best to review their coverage and service details on their websites and speak to current members before deciding to join either of them.
Dental Care and Services Provided
The following comparison will help you make a better decision about choosing coverage that suits your dental care needs.
- Dental cleaning:
- AOK Nordost: Provides coverage up to 50 euros per year for professional dental hygiene.
- DAK-Gesundheit: Covers 100% of the cost of professional dental cleaning once a year for dentists participating in the DAK DentNet network. For non-participating dentists, the company covers up to 60 euros per year. The DAK MamaPLUS program includes coverage for professional dental cleaning during pregnancy.
- Dental restorations:
- DAK-Gesundheit: Provides 100% coverage for standard dental treatments if 10 years of prior dental care can be proven. The option of dental implants at a fixed price of 1,250 euros is available within the DAK DentNet network. Additional benefits offered by DAK DentNet include options such as iKrone® and iBrücke® as well as longer warranties.
- Additional dental health services:
- AOK Nordost: Provides coverage fordental fillings up to 50 euros per year.
- DAK-Gesundheit: The DAK MamaPLUS program includes coverage for professional dental cleaning during pregnancy. Additional benefits offered by DAK DentNet include longer warranties and coverage for dental implants outside the contract at a fixed price of 1,250 euros for dental implants and their crowns.
Download AOK and DAK Applications
To access your health insurance information and services on the go, download the mobile applications for AOK Nordost and DAK-Gesundheit:
In conclusion, AOK Nordost and DAK-Gesundheit are both reputable health insurance providers in Germany with a range of services and coverage options. The differences between them primarily involve subscription levels and the variety of services provided. It is essential to review their coverage and service details on their websites, and speak to current members to gain insight into their experiences, before deciding to join either of them.