Public Health Insurance
Save up to 1100€ by moving to cost-effective public health insurance provider
Shruthi saves 801€ every year
Shruthi saves 801€ every year
Shruthi is an IT professional and earns above 62,000€ per annum. She saves 801€ every year by leaving Barmer for a cost effective public health insurance provider without compromising on the medical coverage.
Adam saves 435€ every year
Adam saves 435€ every year
Find out how much you can save by switching to a cost effective public health insurance company
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The table below shows only the differences in the services offered by various public health insurance companies in Germany.
Paramters |  |  |  |
|---|---|---|---|
Summary | ✅ Cheapest insurer as of Aug 2024
❌ Very basic digital services
❌ No to very less English support | ➖ Second cheapest insurer as of Aug 2024
➖ Offers digital services
➖ Offers basic English support | ➖ Competitively priced insurance as of Aug 2024
✅ Best insurer in digital service offerings
✅ Best insurer in English support |
Premium | ✅ Lowest premium Additional contribution (Zusatzbeitrag): 0.9% | Additional contribution (Zusatzbeitrag): 0.98% | Additional contribution (Zusatzbeitrag): 1.2% |
🇬🇧 English Support | 💛 🤍 🤍 | 💛 💛 🤍 | 💛 💛 💛 |
Website | Only in German | Only in German | ✅ Few parts of the website is in English |
Mobile App | Only in German Play Store rating: 1.6 rated by 638 users App Store rating: 3.9 rated by 199 users | Only in German Play Store rating: 4.6 rated by 6.81k users App Store rating: 4.0 rated by 1 user | ✅ Parts of the app is in English Play Store rating: 4.5 rated by 111k users App Store rating: 4.8 rated by 854 user |
Customer Service | German and English Expect longer waiting times for customer support in English | German and English Expect longer waiting times for customer support in English | ✅ Good English customer care support. |
🦷 Dental | 💛 💛 💛 | 💛 💛 🤍 | 💛 💛 🤍 |
Professional cleaning | ✅ Up to 80€/year. Free of charge at certain dentists. | Free teeth cleaning at certain dentists | Up to €40/year |
Supplementary dental insurance Get dental insurance to cover dental treatment costs that are not covered by the public health insurance. | |||
🤰🏻 Pregnancy | 💛 💛 💛 | 💛 💛 🤍 | 💛 💛 🤍 |
Screening tests | Up to 100€
✅ Chickenpox antibody test
✅ Fifth disease antibody test
✅ Strep antibody test
✅ Toxoplasmosis test chickenpox antibody test
✅ Extra ultrasound screening
✅ Triple-Test
❌ First trimester screening
❌ Neck fold measurement | Up to 300€
✅ Chickenpox antibody test
✅ Fifth disease antibody test
✅ Strep antibody test
✅ Toxoplasmosis test chickenpox antibody test
✅ Extra ultrasound screening
❌ Triple-Test
❌ First trimester screening
❌ Neck fold measurement | ✅ Chickenpox antibody test
✅ Fifth disease antibody test
✅ Strep antibody test
✅ Toxoplasmosis test chickenpox antibody test
✅ Extra ultrasound screening
❌ Triple-Test
❌ First trimester screening
❌ Neck fold measurement |
Fertility treatment | First three attempts are legally insured. The insurer covers 3 more attempts up to 1,000€ (if both partners are insured with it) | First three attempts are legally insured. The insurer offers an additional subsidy of up to 200€ for the first three attempts. | ✅ First three attempts are legally insured. The insurer offers an additional subsidy of up to 500€ for the first three attempts. |
Midwife on call service Midwife on call means that you have a midwife available around the clock to support you while giving birth. Not all midwives offer this service. | ✅ Up to 300€ per annum | Up to 300€ per annum (max 80%) | Up to 250€ per annum |
💪 Sport | 💛 💛 🤍 | 💛 💛 🤍 | 💛 💛 🤍 |
Sport medical examination Medical examination to check physical fitness. The examination is recommended for both beginners and experienced athletes. | Up to 30€ per annum (max 80 %) every 24 months. | ✅ Up to 140€ per annum every 24 months. | Up to 120€ per annum (max 80 %) every 24 months. |
Health courses You can reimburse part of the health courses cost in the areas of exercise, nutrition, relaxation, stress management and addiction. The course must be listed in the “Central Testing Center for Prevention.” | ✅ Up to 206€ per annum (max 90 %) | Up to 200€ per annum (max 80 %) | Up to 150€ per annum (max 80 %) |
🧘🏻♀️ Osteopathy | 💛 💛 💛 | 💛 💛 💛 | 💛 💛 💛 |
Treatment Osteopathy is a form of alternative medicine that believes body has an inherent ability to heal itself. It uses techniques like stretching, massaging, and manipulating muscles and joints to treat back pain, joint problems, and sports injuries. | Up to 150€ per annum | ✅ Up to 160€ per annum | Up to 120€ per annum |
Homeopathy | 💛 💛 💛 | 💛 💛 💛 | 💛 💛 💛 |
Medicine | ✅ Full cost coverage | Up to 100€ per annum | Up to 100€ per annum |
Disclaimer
The information provided on this page is based on our own experience and in-depth research. The content of this page might be inaccurate. It should not be considered financial, insurance, legal, or any kind of advice.
We are not certified professionals, brokers, advisors, lawyers, or consultants. Always do your own research and contact certified professionals before making any decision.
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