보험 비교 2026
Techniker Krankenkasse (TK)vs.BARMER
혜택, 비용, 보장 세부사항을 포함한 독립적 비교.
✓ 공식 보험 문서 기반 ✓ 업데이트 2026년 4월 ✓ 독립 비교
| 기능 | Most Popular Techniker Krankenkasse (TK) 상세 보기 | BARMER 상세 보기 |
|---|---|---|
| | | |
| €141.16 더 나음 | €146.29 | |
| €146.29 더 나음 | €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 €200/year cash (or €400/year as Gesundheitsdividende) | 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 | |
| 방문 Techniker Krankenkasse (TK) → | 방문 BARMER → |
€141.16 더 나음
€146.29
€146.29 더 나음
€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 €200/year cash (or €400/year as Gesundheitsdividende)
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
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