DEAOK Niedersachsen Supplementary rate & contributions 2026
14.6% general rate + 2.98% supplementary rate · Employer and employee each pay half of the contribution.
AOK Niedersachsen is a General local fund (AOK) based in Hannover. At 2.98%, its supplementary rate is 0.39 percentage points below the average of all statutory funds (3.37%). Since the beginning of 2022 the fund has adjusted its supplementary rate 3 times, most recently on 01/01/2026 by +0.28 percentage points to 2.98%.
Supplementary rate of AOK Niedersachsen in recent years
| Valid from | Supplementary rate | Change |
|---|---|---|
| 01/01/2026 | 2.98 % | ▲ +0.28 % |
| 01/01/2025 | 2.7 % | ▲ +1.2 % |
| 01/01/2023 | 1.5 % | ▲ +0.2 % |
| 01/01/2022 | 1.3 % | – |
Data starts in January 2022 – the oldest rate may have applied earlier.
What switching funds can save
The cheapest statutory health insurance fund is currently BKK BPW Wiehl with a supplementary rate of 1.8% – 1.18 percentage points less than AOK Niedersachsen. The examples show the savings when switching:
| Gross salary / month | Savings / month | Savings / year |
|---|---|---|
| €2,500.00 | €14.75 | €177.00 |
| €3,500.00 | €20.65 | €247.80 |
| €4,500.00 | €26.55 | €318.60 |
| €6,000.00 | €34.29 | €411.48 |
Employee share – the employer saves the same amount on top. Above the contribution assessment ceiling (5,812.5 € gross/month) the savings do not grow any further; tax effects are not taken into account. Not every fund is open to every employee or in every federal state.
U1 & U2 levy rates
Relevant for employers: the levies for continued pay during sickness (U1, selectable reimbursement rates) and maternity (U2).
| Levy rate | Reimbursement | |
|---|---|---|
| U1 (sick pay) | 2.5 % | 65 % |
| U1 (sick pay) | 2 % | 55 % |
| U1 (sick pay) | 3 % | 75 % |
| U2 (maternity) | 0.6 % | 100 % |
Levy rates over time
| Valid from | U1 rates | U2 |
|---|---|---|
| 01/01/2026 | 2.5 · 2 · 3 % | 0.6 % |
| 01/01/2024 | 2.9 · 2.3 · 3.8 % | 0.5 % |
| 01/01/2023 | 3.1 · 2.5 · 4 % | 0.5 % |
| 01/01/2022 | 2.6 · 2 · 3.5 % | 0.75 % |
Data starts in January 2022 – the oldest rate may have applied earlier.
Fund details
- Type
- General local fund (AOK)
- Company number
- 29720865
- Address
- Postfach , 30142 Hannover
This data in your software
Supplementary rates of all funds, updated daily and with history – as a REST API for your application.
Calculate your net salary with AOK Niedersachsen
The calculator runs on the real Lohnica API – with the daily-updated supplementary rate of AOK Niedersachsen.
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Frequently asked questions
The supplementary rate of AOK Niedersachsen is currently 2.98% (valid since 01/01/2026). Together with the general contribution rate of 14.6%, the total contribution is 17.58%.