Comparaison d'assurances 2026
AOKvs.BARMER
Une comparaison indépendante des prestations, coûts et détails de couverture.
✓ Basé sur les documents officiels✓ Mis à jour mars 2026✓ Comparaison indépendante
| Caractéristique | AOKVoir détails | BARMERVoir détails |
|---|---|---|
| Coûts & cotisations | ||
| Total mensuel (moins de 23 ans) | €139.28–€148.09 (AOK Bayern: €141.16) | €146.29 |
| Total mensuel (23+ sans enfant) | €144.41–€153.22 (AOK Bayern: €146.29) | €151.42 |
| Taux du ZusatzbeitragAdditional contribution rate set by each insurer | 2.47%–3.50% (varies by region; AOK Bayern: 2.69%) | 3.29% |
| Couverture & prestations | ||
| Santé mentale / psychothérapie | Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage + free 7Mind mindfulness app + online CBT programs + Teledoktor video consultations |
| Système de bonus dentaire | Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups |
| Programmes de bonus | ||
| Montant du bonus | Up to €200/year (varies by regional AOK) | Up to €200/year |
| Services & numérique | ||
| Assistance en anglais | Limited — depends on regional AOK branch; varies significantly by city | Good — English hotline (weekdays 8am–7pm), English website (barmer.de/en), English email support |
| Services numériques | 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 |
| Membres | 27 million (across all 11 regional AOKs) | 8.2 million |
| VisiterAOK → | VisiterBARMER → | |
AOKVoir détails
BARMERVoir détails
Coûts & cotisations
Total mensuel (moins de 23 ans)
€139.28–€148.09 (AOK Bayern: €141.16)
€146.29
Total mensuel (23+ sans enfant)
€144.41–€153.22 (AOK Bayern: €146.29)
€151.42
Taux du Zusatzbeitrag
Additional contribution rate set by each insurer
2.47%–3.50% (varies by region; AOK Bayern: 2.69%)
3.29%
Couverture & prestations
Santé mentale / psychothérapie
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage + free 7Mind mindfulness app + online CBT programs + Teledoktor video consultations
Système de bonus dentaire
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
Programmes de bonus
Montant du bonus
Up to €200/year (varies by regional AOK)
Up to €200/year
Services & numérique
Assistance en anglais
Limited — depends on regional AOK branch; varies significantly by city
Good — English hotline (weekdays 8am–7pm), English website (barmer.de/en), English email support
Services numériques
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
Membres
27 million (across all 11 regional AOKs)
8.2 million
FAQ
Questions fréquemment posées
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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