With Barmer, you never have to worry about high medical costs. No matter what happens to you.
Public health insurance – a smart choice with no financial risks
Barmer is your gateway to one of the best public healthcare systems in the world. That’s why 90% of Germans place their trust in public health insurance for safety and peace of mind. The public healthcare system guarantees free access to comprehensive medical care and protects your financial security. In contrast, people who choose private health insurance have individual policies with detailed terms and conditions, which can result in unexpected costs if you become ill.
Your health and financial security are two of your most precious assets. When choosing between public and private insurance in Germany, think carefully about who to place your trust in. Barmer members and their families not only benefit from an excellent healthcare system, but also from a wide range of extra financial benefits and additional services, too. Because at Barmer, we help you to get the most out of your health insurance.
Contributions to the best health insurance
Students
For students in Germany, it’s not possible to get public health insurance alone – long-term care insurance is mandatory as well, and both contributions are combined. All students pay the same reduced rate for these insurances.
Students are required to pay a monthly contribution of €135.17 (under the age of 23) or €140.30 (from the age of 23). Students with children receive a reduction on their long-term care contribution rate of 0.25% per child (from two to five children under the age of 25).
| Health insurance: | Long-term care insurance: | Additional individual contribution rate |
|---|---|---|
| € 87.38 | €29,07* respectively €33,94** | €17,78 |
* under the age of 23 without children
** from the age of 23 without children
