Comparación de seguros 2026
AOKvs.BARMER
Una comparación independiente de prestaciones, costes y detalles de cobertura.
✓ Basado en documentos oficiales de pólizas✓ Actualizado marzo de 2026✓ Comparación independiente
| Característica | AOKVer detalles | BARMERVer detalles |
|---|---|---|
| Costes y cotizaciones | ||
| Cuota mensual (menores de 23) | €139.28–€148.09 (AOK Bayern: €141.16) | €146.29 |
| Cuota mensual (23+ sin hijos) | €144.41–€153.22 (AOK Bayern: €146.29) | €151.42 |
| Tasa del ZusatzbeitragAdditional contribution rate set by each insurer | 2.47%–3.50% (varies by region; AOK Bayern: 2.69%) | 3.29% |
| Coberturas y prestaciones | ||
| Salud mental / psicoterapia | Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage + free 7Mind mindfulness app + online CBT programs + Teledoktor video consultations |
| Sistema de bonus dental | Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups |
| Programas de bonus | ||
| Importe del bonus | Up to €200/year (varies by regional AOK) | Up to €200/year |
| Servicio y digital | ||
| Atención en inglés | Limited — depends on regional AOK branch; varies significantly by city | Good — English hotline (weekdays 8am–7pm), English website (barmer.de/en), English email support |
| Servicios digitales | AOK App (Mein AOK) · ePA (electronic patient record) · Online service center · Digital health courses · AOK Gesundheitsnavigator (doctor finder) | BARMER App · Teledoktor (24/7 video consultations) · 7Mind mindfulness app (free for members) · ePA (electronic patient record) · 120+ online fitness courses and 1,500+ workouts · Online skin check and second opinion service |
| Afiliados | 27 million (across all 11 regional AOKs) | 8.2 million |
| VisitarAOK → | VisitarBARMER → | |
AOKVer detalles
BARMERVer detalles
Costes y cotizaciones
Cuota mensual (menores de 23)
€139.28–€148.09 (AOK Bayern: €141.16)
€146.29
Cuota mensual (23+ sin hijos)
€144.41–€153.22 (AOK Bayern: €146.29)
€151.42
Tasa del Zusatzbeitrag
Additional contribution rate set by each insurer
2.47%–3.50% (varies by region; AOK Bayern: 2.69%)
3.29%
Coberturas y prestaciones
Salud mental / psicoterapia
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage + free 7Mind mindfulness app + online CBT programs + Teledoktor video consultations
Sistema de bonus dental
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
Programas de bonus
Importe del bonus
Up to €200/year (varies by regional AOK)
Up to €200/year
Servicio y digital
Atención en inglés
Limited — depends on regional AOK branch; varies significantly by city
Good — English hotline (weekdays 8am–7pm), English website (barmer.de/en), English email support
Servicios digitales
AOK App (Mein AOK) · ePA (electronic patient record) · Online service center · Digital health courses · AOK Gesundheitsnavigator (doctor finder)
BARMER App · Teledoktor (24/7 video consultations) · 7Mind mindfulness app (free for members) · ePA (electronic patient record) · 120+ online fitness courses and 1,500+ workouts · Online skin check and second opinion service
Afiliados
27 million (across all 11 regional AOKs)
8.2 million
FAQ
Preguntas frecuentes
AOK costs vary by region. AOK Bayern (cheapest major region): €141.16/month for students under 23 or €146.29/month for 23+ childless. AOK Nordost (Berlin, most expensive): €148.09/month or €153.22/month. The base is €87.38 + regional Zusatzbeitrag (2.47%–3.50%) + nursing care (€30.78 or €35.91).
English support varies by regional AOK. Some branches in university cities (Munich, Berlin, Hamburg) have English-speaking staff, but it's not guaranteed. There is no dedicated English hotline. For reliable English support, TK is the better choice for international students.
You can join any AOK regardless of where you live, but most students join the regional AOK of their university's federal state. AOK Bayern has the lowest Zusatzbeitrag at 2.69%, while AOK Rheinland-Pfalz/Saarland is even cheaper at 2.47%. AOK Nordost (Berlin) is the most expensive at 3.50%.
Yes, if you are under 30 and enrolled in a degree program at a German university. Sign up within 3 months of enrollment. Language course and Studienkolleg students are not eligible for GKV.
AOK offers up to €200/year through its bonus program. Earn rewards for preventive screenings, dental checkups, vaccinations, and fitness activities. Exact program details and amounts vary by regional AOK.
BARMER costs €146.29/month for students under 23 (or with children) and €151.42/month for students 23+ without children. Breakdown: €87.38 base health insurance + €28.13 Zusatzbeitrag (3.29%) + €30.78 nursing care (or €35.91 if childless and 23+). That's about €5/month more than TK.
Teledoktor is BARMER's free 24/7 telemedicine service. You can consult doctors via video for minor illnesses, prescription renewals, skin checks, and second opinions before operations — no appointment needed. Especially useful for students with busy schedules.
Yes, BARMER covers full psychotherapy as required by law. Additionally, BARMER includes the 7Mind mindfulness app for free (12 months) and offers online cognitive behavioral therapy (CBT) programs — going beyond basic GKV requirements. Completing 7Mind courses earns bonus points too.
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