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Digital, simple, tailored to your lifestyle

You're studying? Barmer is here for you

Are you interested in health insurance for students? Barmer is here for you – with excellent services, extra benefits and affordable contributions that are perfectly tailored to your needs.

Peace of mind when travelling – with Barmer

100 percent reimbursement of the costs for travel vaccinations: Are certain vaccinations required for your travels abroad? We cover the full cost of these, so you have more money left over to enjoy your holiday.

Free travel vaccination info hotline: The Barmer Teledoktor is on call around the clock to answer any questions you may have on travel vaccinations.

Additional cover for semesters abroad or travel: If you require medical assistance while overseas, it can get expensive fast. So that you have one less thing to worry about, we offer exclusive rates on additional foreign travel insurance with our health insurance partner HUK-COBURG Krankenversicherung.

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Ways you can benefit financially

Receive a payout of more than 100 euros in bonus each year: The Barmer Bonus Program allows you to collect bonus points by engaging in health-promoting activities, such as joining a fitness class. You can then redeem these points directly in the app to purchase special rewards.

Barmer customers work out for less: As a Barmer member, you can take advantage of exclusive deals offered by our partner fitness centres – and save a lot of money in the process.

Optional tariffs - up to 100 euros cashback annually: With our Pro Fit elective tariff, you can be reimbursed up to 100 euros each year if you make no or only a small  number of claims.

Learning is worthwhile - allowances for healthpromoting courses:  We contribute up to 200 euros annually towards health education courses on exercise and fitness, nutrition, relaxation and addiction. 

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Your life is digital – and so is Barmer

The Barmer-App – manage all important communication from wherever you are: Our online service centre and secure member area Meine Barmer allows you to access many of our services digitally via smartphone app or internet browser. For example, you can download your health insurance certificate for your university as well as your BAföG certificate or upload your certificate of enrolment. Your personal online mailbox enables you to communicate information directly and securely with Barmer. The integrated health manager also helps you to schedule and keep track of important medical appointments.

Relax with the 7Mind meditation app: When everything starts becoming a bit too much, 7Mind helps you to keep your cool. Barmer members have 12 months exclusive free access to the mindfulness training.

Rest well with our sleeping aid: You can study better when you‘re well rested. Our Alexa Skill or GoogleHome Action Schlafenszeit (Bedtime) is the ideal way to relax.

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6 steps for a perfect start as student

There are only a few things that are absolutely indispensable when you‘re new in Germany as a student. We walk you through them step by step and tell you where to go to get what you need.

Step 1: Your health insurance

First of all, you need to be registered with a German health insurance provider. This is necessary because you require valid health insurance for enrolment at university and for a visa from the “Ausländerbehörde” (foreigners‘ registration office). We recommend getting in touch with your Barmer contact person to make the application process as fast and as convenient as possible.

Step 2: Your tax ID number

During your first registration at the Einwohnermeldeamt (Residents registration office), a notification is automatically sent to the Bundeszentralamt für Steuern (Federal Central Tax Office). Your steuerliche Identifikationsnummer (Tax ID Number) is then issued and sent via standard post to your registered address, usually within 2 weeks. The Tax ID Number never changes and is required when you open a German bank account or start working.

Step 3: Your enrolment

Only when you have registered with a German health insurance provider, are you allowed to enrol at university. Therefore, it is essential to take out health insurance before enrolment. Our confirmation of membership is accepted at all universities in Germany. When you receive your confirmation of enrolment at university, you have to send a copy of this document to your health insurance provider. 

Step 4: Appointment with the foreigners' office

For non-EU citizens: To receive your residence permit from the Ausländerbehörde (foreigners‘ registration office), you will need to provide, among other things, confirmation of enrolment at university, confirmation of health insurance, and confirmation of address registration.

Step 5: Your social security number

Are you considering a side job during your studies? The HR office of your employer will need a German social security number (Rentenversicherungsnummner or RVNR) in order to pay your wage. Barmer will apply for that number on your behalf, and you will receive it within a few days.

Step 6: Your bank account

Last but not least, you‘ll need to open a current account with a German bank. To do this, you will also need your confirmation of address registration and tax ID number. It‘s a good idea to compare offers first, as some banks don‘t charge account maintenance fees for current accounts. 

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Health is a precious commodity. Preventive health care and the best available treatment in the event of sickness are essential for one‘s quality of life.  


The Barmer contribution rate is 16.1 percent. This allows our members to benefit from our consistently high-quality services and outstanding customer service. 

Additional insurance

We have worked with our partner HUK-COBURG-Krankenversicherung to develop a tailored range of additional insurance options with exclusive conditions. 
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