Anonymous User replied the topic: Can anyone tell difference between health insurance like AOK, TK and Mawista for
AOK and TK are public insurances and have practically no exclusions or excesses and are not risk based (so they won't load the costs if you have any pre-existing conditions or get more expensive if you get long-term illness). Mawista is a private insurance, MIGHT not be legal for use in Germany (depends on the policy you choose) and will have many restrictions, limitations, or limits, depending on the policy you choose. There might also be a deductible to pay, or restrictions on pre-existing conditions. As a private insurance they are risk based. The higher your risk to them the more you will pay.