Comparación de seguros 2026
Techniker Krankenkasse (TK)vs.BARMER
Una comparación independiente de prestaciones, costes y detalles de cobertura.
✓ Basado en documentos oficiales de pólizas✓ Actualizado abril de 2026✓ Comparación independiente
| Característica | Most PopularTechniker Krankenkasse (TK)Ver detalles | BARMERVer detalles |
|---|---|---|
| Costes y cotizaciones | ||
| Cuota mensual (menores de 23) | €141.16Mejor | €146.29 |
| Cuota mensual (23+ sin hijos) | €146.29Mejor | €151.42 |
| Tasa del ZusatzbeitragAdditional contribution rate set by each insurer | 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 cash (or €400/year as Gesundheitsdividende) | Up to €200/year |
| Servicio y digital | ||
| Atención en inglés | Excellent — dedicated English hotline (24/7), English TK-App, English website | Good — English hotline (weekdays 8am–7pm), English website (barmer.de/en), English email support |
| Servicios digitales | TK-App (available in English) · ePA (electronic patient record) · TK-Doc video consultations · Online health courses · Digital fitness tracking (Google Fit, Samsung Health, Fitbit integration) | 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 | 12.3 million | 8.2 million |
| VisitarTechniker Krankenkasse (TK) → | VisitarBARMER → | |
BARMERVer detalles
Costes y cotizaciones
Cuota mensual (menores de 23)
€141.16Mejor
€146.29
Cuota mensual (23+ sin hijos)
€146.29Mejor
€151.42
Tasa del Zusatzbeitrag
Additional contribution rate set by each insurer
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 cash (or €400/year as Gesundheitsdividende)
Up to €200/year
Servicio y digital
Atención en inglés
Excellent — dedicated English hotline (24/7), English TK-App, English website
Good — English hotline (weekdays 8am–7pm), English website (barmer.de/en), English email support
Servicios digitales
TK-App (available in English) · ePA (electronic patient record) · TK-Doc video consultations · Online health courses · Digital fitness tracking (Google Fit, Samsung Health, Fitbit integration)
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
12.3 million
8.2 million
FAQ
Preguntas frecuentes
TK costs €141.16/month for students under 23 (or with children). Students aged 23+ without children pay €146.29/month due to the additional nursing care surcharge. This breaks down as: €87.38 base health insurance + €23.00 Zusatzbeitrag (2.69%) + €30.78 nursing care (or €35.91 if childless and 23+).
Yes, TK has the best English support among German public insurers. They offer a 24/7 English-language hotline, the TK-App with English interface, an English website (tk.de/en), and English-speaking staff at many branches. Not all written correspondence is in English, but phone and app support are excellent.
Yes, if you are under 30 and enrolled in a degree program at a German university. You must sign up within the first 3 months of enrollment. Language course and preparatory course (Studienkolleg) students are not eligible for GKV.
TK rewards healthy behavior with up to €200/year in cash (or €400/year as Gesundheitsdividende if reinvested in health products). You earn points for preventive checkups, vaccinations, sports club membership, fitness tracking (via Google Fit, Samsung Health, or Fitbit), and health courses.
All GKV insurers cover the same legally mandated base benefits. TK stands out for international students thanks to its English-language support (24/7 hotline, English app), competitive Zusatzbeitrag (2.69% vs. BARMER's 3.29%), and strong digital services. AOK offers more branch offices, while BARMER excels in telemedicine and mental health extras.
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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