Health Insurance (Krankenversicherung)
Barmer Review (2026)
Best for: Health-conscious students who value bonus programs and telemedicine
Setup fee
€0.00
Monthly fee
€119.53
Setup time
Online enrollment possible; processed in 1-2 weeks
Languages
DE, EN
Mobile app
Yes (4.4/5)
Key Features
- Germany's second-largest public insurer — 9M members
- Comprehensive bonus program (up to €200/year cashback)
- Telemedicine included — video consultations with doctors
- Strong preventive care and wellness programs
- Barmer app with digital health records
- University campus offices in many cities
Limitations
- Slightly higher Zusatzbeitrag (1.5%) than TK
- English support available but not guaranteed at all offices
- Student rate identical to other public insurers — no price advantage
Pricing Plans
Student Rate (under 30)
€119.53/month
€1434.36/year
- Full public health + nursing care insurance
- Student rate: €119.53/month
- Telemedicine consultations included
- Bonus program up to €200/year
- Digital health records via app
Eligibility
Who can use Barmer?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | Non-EU students accepted |
| nationality: eu citizen | Accepted | EU citizens accepted |
| visa type: student visa | Accepted | Primary target audience |
| visa type: language course visa | Not accepted | Language course students need private insurance |
| visa type: job seeker visa | Not accepted | Not eligible for student rate |
| language: no german required | Accepted | English support available |
| age: under 30 | Accepted | Student rate available until age 30 |
About Barmer
Barmer is Germany's second-largest public health insurer with around 9 million members. Known for strong preventive care programs, telemedicine services, and a comprehensive bonus program that rewards healthy behaviors.
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Alternatives to Barmer
TK (Techniker Krankenkasse)
Setup: €0 | Monthly: €117.34
Students under 30 who want Germany's most popular insurer with the best digital experience
Care Concept
Setup: €0 | Monthly: €35.70
Students over 30 who need affordable insurance, or budget-conscious students who want the lowest premium
AOK
Setup: €0 | Monthly: €118.93
Students who prefer in-person service and live near an AOK office
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