保险对比 2026
AOK 德国公共医疗保险vs.BARMER
独立的保障、费用和覆盖详情对比。
✓ 基于官方保单文件✓ 更新于 2026年3月✓ 独立对比
| 功能 | AOK 德国公共医疗保险查看详情 | BARMER — 德国公共医疗保险查看详情 |
|---|---|---|
| 费用与保费 | ||
| 每月总保费（23岁以下） | €139.28–€148.09 (AOK Bayern: €141.16) | €146.29 |
| 每月总保费（23岁以上无子女） | €144.41–€153.22 (AOK Bayern: €146.29) | €151.42 |
| Zusatzbeitrag附加费率Additional contribution rate set by each insurer | 2.47%–3.50% (varies by region; AOK Bayern: 2.69%) | 3.29% |
| 保障与待遇 | ||
| 心理健康/心理治疗 | Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage + free 7Mind mindfulness app + online CBT programs + Teledoktor video consultations |
| 牙科奖励制度 | Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups |
| 健康奖励计划 | ||
| 奖励金额 | Up to €200/year (varies by regional AOK) | Up to €200/year |
| 服务与数字化 | ||
| 英语客服支持 | Limited — depends on regional AOK branch; varies significantly by city | Good — English hotline (weekdays 8am–7pm), English website (barmer.de/en), English email support |
| 数字化服务 | 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 |
| 参保人数 | 27 million (across all 11 regional AOKs) | 8.2 million |
| 访问AOK 德国公共医疗保险 → | 访问BARMER — 德国公共医疗保险 → | |
费用与保费
每月总保费（23岁以下）
€139.28–€148.09 (AOK Bayern: €141.16)
€146.29
每月总保费（23岁以上无子女）
€144.41–€153.22 (AOK Bayern: €146.29)
€151.42
Zusatzbeitrag附加费率
Additional contribution rate set by each insurer
2.47%–3.50% (varies by region; AOK Bayern: 2.69%)
3.29%
保障与待遇
心理健康/心理治疗
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage + free 7Mind mindfulness app + online CBT programs + Teledoktor video consultations
牙科奖励制度
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
健康奖励计划
奖励金额
Up to €200/year (varies by regional AOK)
Up to €200/year
服务与数字化
英语客服支持
Limited — depends on regional AOK branch; varies significantly by city
Good — English hotline (weekdays 8am–7pm), English website (barmer.de/en), English email support
数字化服务
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
参保人数
27 million (across all 11 regional AOKs)
8.2 million
常见问题
常见问题
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.
找到最佳计划了吗？
比较更多计划或直接申请——几分钟内获得保障。