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BARMER

87.8Score

★★★★☆4.3

Customer satisfaction · 8.3M members

Focus Money: Hochste Kundenzufriedenheit(2026)DQBG: Germany's Best Health Insurance 2025(2025)

BARMER is Germany's second-largest statutory health insurer with 8.3 million members. Recognized for the highest customer satisfaction by Focus Money and named Germany's best health insurance by DQBG in 2025, it offers a generous bonus program of up to EUR 200/year.

Overall Score

87.8/100

Founded

1884

Headquarters

Berlin

Type

statutory

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Key Metrics

Zusatzbeitrag

3.29%

Total Rate

17.89%

Bonus Program

yes

English Support

partial

Editorial Ratings

Focus Money: Hochste Kundenzufriedenheit(2026)

Rating: Top-Krankenkasse / Hochste Kundenzufriedenheit (max: Exzellent)

87.5Focus

DQBG: Germany's Best Health Insurance 2025(2025)

Rating: Germany's best health insurance 2025 (DQBG) (max: Exzellent)

88DFSI

Coverage Highlights

✓Bonus program: up to EUR 200/year cash premium (Top-Geldpramie)
✓Familie Plus: up to EUR 200 for osteopathy for pregnant women and newborns
✓Professional dental cleaning subsidized via bonus program
✓Digital portal Meine Barmer for all services

Pros

✓Highest customer satisfaction among large insurers (Focus Money 2026)
✓Generous bonus program with up to EUR 200/year cash
✓Strong family benefits including pregnancy and newborn osteopathy
✓Extensive branch office network across Germany

Cons

✗Zusatzbeitrag of 3.29% is above the national average
✗English-language support only partially available
✗Digital services less comprehensive than TK's app

Frequently Asked Questions

What is BARMER's Zusatzbeitrag for 2026?

BARMER's Zusatzbeitrag is 3.29% in 2026, resulting in a total contribution rate of 17.89%. This is slightly above the national average of 2.9%.

How does BARMER's bonus program work?

BARMER offers up to EUR 200/year through its Top-Geldpramie bonus program. You earn credits by completing preventive health activities, which can be redeemed for cash or used toward osteopathy, dental cleaning, and fitness trackers.

Does BARMER support English-speaking members?

BARMER offers partial English-language support including some customer service options and online portal features, though the majority of documents and services are in German.

Quick Summary

InsurerBARMER

Country🇩🇪 Germany

Overall Score87.8/100

Satisfaction4.3/5

Members8.3M

Typestatutory

Founded1884

Other Insurers in Germany

DKV Deutsche Krankenversicherung

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/ 100

Allianz Private Krankenversicherung

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97.5

/ 100

Techniker Krankenkasse (TK)

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/ 100

AOK Rheinland-Pfalz/Saarland

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94.8

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HEK — Hanseatische Krankenkasse

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92.8

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