Comparaison d'assurances 2026
Techniker Krankenkasse (TK)vs.BARMER
Une comparaison indépendante des prestations, coûts et détails de couverture.
✓ Basé sur les documents officiels ✓ Mis à jour mars 2026 ✓ Comparaison indépendante
| Caractéristique | Most Popular Techniker Krankenkasse (TK) Voir détails | BARMER Voir détails |
|---|---|---|
| | | |
| €141.16 Meilleur | €146.29 | |
| €146.29 Meilleur | €151.42 | |
| 2.69% | 3.29% | |
| | | |
| Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage + free 7Mind mindfulness app + online CBT programs + Teledoktor video consultations | |
| Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups | |
| | | |
| Up to €250/year | Up to €200/year | |
| | | |
| 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 | |
| TK-App (available in English)ePA (electronic patient record)TK-Doc video consultationsOnline health coursesDigital fitness tracking (Google Fit, Samsung Health, Fitbit integration) | BARMER AppTeledoktor (24/7 video consultations)7Mind mindfulness app (free for members)ePA (electronic patient record)120+ online fitness courses and 1,500+ workoutsOnline skin check and second opinion service | |
| 12.3 million | 8.2 million | |
| Visiter Techniker Krankenkasse (TK) → | Visiter BARMER → |
BARMER Voir détails
€141.16 Meilleur
€146.29
€146.29 Meilleur
€151.42
2.69%
3.29%
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage + free 7Mind mindfulness app + online CBT programs + Teledoktor video consultations
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
Up to €250/year
Up to €200/year
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
TK-App (available in English)ePA (electronic patient record)TK-Doc video consultationsOnline health coursesDigital fitness tracking (Google Fit, Samsung Health, Fitbit integration)
BARMER AppTeledoktor (24/7 video consultations)7Mind mindfulness app (free for members)ePA (electronic patient record)120+ online fitness courses and 1,500+ workoutsOnline skin check and second opinion service
12.3 million
8.2 million
FAQ
Questions fréquemment posées
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 €250/year. You earn points for preventive checkups, vaccinations, sports club membership, fitness tracking (via Google Fit, Samsung Health, or Fitbit), and health courses. Points can be redeemed for cash or doubled as a health dividend for further health measures.
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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