Barmer

Barmer is one of Germany’s largest statutory health insurance funds (gesetzliche Krankenkasse), with over 8.7 million members making it one of the most significant public health insurers in the country. Barmer provides the full range of statutory healthcare benefits alongside a strong portfolio of additional services and wellness programmes.

For expats in Germany who are required or choose to use statutory health insurance, Barmer is consistently regarded as one of the top choices due to its nationwide branch network, comprehensive additional benefits, and above-average digital service offering. The Barmer app and online portal make it straightforward to submit claims, book services, and manage your membership.

Barmer’s additional benefits above the statutory minimum include enhanced physiotherapy contributions, professional dental cleaning subsidies, support for alternative medicine, mental health helplines, and extensive health prevention programmes. Members can also access Barmer’s own network of medical services and screening programmes.

English-speaking support is increasingly available through Barmer’s service centres and hotline, and the insurer has experience working with international members. Enrollment can be completed online, and Barmer is accepted by virtually every doctor and hospital in Germany.