can the AOK reject ones application .from joining them,,if so what are the reasons some have had,thy had so many excuses,that my travel insurance is a private health insurance,but one must take it out to get a visa .,why did i take so long to come apply,,but one must first have a permit to get a banking account then one can only go apply and one must have a permit in any case to apply for sickness insurance so i don't understand their reasoning