Securing BARMER The public health insurance is one of the most famous health insurance companies in Germany, chosen by millions of people thanks to its extensive health services and presence in various German cities. The insurance provides comprehensive health coverage for students, employees, trainees, and other groups, making it a suitable choice for anyone wishing to obtain certified health insurance within Germany.
If you are planning to study or work in Germany, registering for BARMER is one of the essential steps to get medical care and benefit from health services. In this guide, we will explain how to register for insurance BARMER Step by step, explaining the most important options and questions that appear during the application process based on your status as a student, employee, or trainee.
Before detailing the DAK-Gesundheit public health insurance, it is important to address the Islamic legal ruling on health insurance in general. I addressed this aspect in a paragraph within an article. The comprehensive guide to Care Concept health insurance, where the views of Muslim scholars regarding health insurance and its various types were discussed.
The public and private health insurance system in Germany
Health insurance is mandatory for everyone residing in Germany. Based on this, German embassies require health insurance documents either during the visa interview or when printing the visa on the passport. This requirement aims to ensure that residents on German territory receive the necessary medical care.
The health insurance system in Germany relies on two main types: Government health insurance وPrivate health insurance. Most employees, trainees, and university students are subject to mandatory government health insurance, while certain categories are eligible to subscribe to private insurance according to specific conditions.
Despite the variety of private health insurance companies, they are not always a permanent substitute for public health insurance in Germany. In some cases, a person becomes obligated to switch to public health insurance, such as starting a job subject to mandatory insurance or enrolling in a course of study that requires registration in the public system. Therefore, choosing the appropriate health insurance depends on the purpose of stay and the person's educational or professional situation within Germany. Many new residents or newcomers to Germany may find it difficult to understand the relationship between public and private health insurance, and when switching between them is mandatory or available.
In this guide, I will explain the situations in which you must switch from private to government health insurance, in addition to the cases where you can switch from government to private insurance, while clarifying the most important conditions associated with each case.
What is Private health insurance in Germany؟
The private health insurance system in Germany includesPrivate Health Insurance – PKV) many specialized companies that offer insurance plans that vary in terms of the scope of coverage, the value of subscriptions, and the additional services provided to the insured. Unlike government health insurance, which relies on a relatively uniform system, private health insurance packages vary significantly from one company to another, as the level of coverage can be chosen according to the personal needs and legal status of each person.
Private health insurance is one of the most important types of insurance for newcomers to Germany, as it provides them with health coverage during the transitional period before starting part-time or full-time work, or before official university enrollment for Bachelor's and Master's students.
Private health insurance companies offer customized packages for multiple categories, including doctors, pharmacists, university students, master's students before starting their studies, in addition to those arriving on dependent or family reunification visas, Schengen visa holders, and participants in vocational training programs (Training) and other various residency statuses.
Therefore, private health insurance can be considered a temporary solution or a suitable alternative for specific groups in Germany during certain periods, such as international students before starting their studies, visitors, freelancers, and individuals who are not currently subject to public health insurance, depending on the residency conditions and legal status of each person.
Private Health Insurance Companies in Germany
One of the most famous private health insurance companies (Private Health Insurance – PKV) In Germany:
- Debeka
- HanseMerkur
- Allianz Private Health Insurance
- Care Concept
These companies offer various insurance solutions that differ according to the individual's needs and situation within Germany. These plans include different categories such as students, travelers, expatriates, and people staying in Germany for temporary periods, in addition to people who need private health insurance outside the public insurance system.
Regarding insurance Care Concept, dedicated a series to it Dr. Concept Within the private health insurance section, where I explain the most important packages offered by the company, the subscription conditions, the appropriate categories for each plan, and the step-by-step registration method.
Check out all the types of health insurance offered by Care Concept through an article. The comprehensive guide to Care Concept health insurance].
What isGovernment health insurance in Germany؟
It is important to note that the registration process for public health insurance in Germany (GKV) can be started before arriving in Germany. This is particularly important for international and master's students who know the start date of their semester. They can obtain proof of health insurance and submit it to the German embassy as part of the visa application procedure.
As for the period before the start of the semester, the student usually needs health insurance that covers the time from entry into Germany until the actual start of studies. During this phase, temporary private health insurance can be utilized, such as the packages offered by Care Concept, which were explained in the previous paragraph. The company provides various plans suitable for multiple categories such as doctors, pharmacists, university students, and other expatriates depending on the type of residence. After starting university studies and meeting the required conditions, the student can switch to one of the public health insurance companies, which we will discuss in detail in the following sections.
As for those coming for the purpose of work, such as doctors and pharmacists, and those arriving under the Opportunity Card visa (Opportunity Card) or vocational training programs (Training), they may initially need suitable private health insurance for the entry and initial stay period in Germany, as explained in the previous paragraph.
This insurance continues during the transition phase until employment subject to compulsory health insurance begins, whether it is part-time or full-time. When the conditions for government health insurance are met, it is possible to switch to one of the government health insurance companies, the most prominent of which will be explained and their services compared in the following sections.
Public health insurance companies in Germany: Which provider is the best?
The German statutory health insurance system (Gesetzliche Krankenversicherung – GKV) is managed through numerous approved insurance companies. Among the most famous of these companies are AOK, BARMER, DAK-Gesundheit, TK, and KKH. All of these companies provide the same basic health coverage in accordance with German laws. However, they differ in some additional services such as digital services, bonus programs, health offers, and the level of customer service. Therefore, choosing the appropriate insurance company depends on an individual's needs and preferred communication method.
In the Dr. Versicherung series, of which this article is part, I provide a comprehensive guide on the most important public health insurance companies in Germany. The series covers the benefits of each company, registration requirements, and the step-by-step application process. The goal is to help you understand the available options and choose the most suitable health insurance according to your academic or professional situation.
BARMER Public Health Insurance in Germany: My Personal Experience and Why I Recommend It
This is the public health insurance that I recommend for several reasons, and it is also the insurance that I personally use in Germany, so my talking about it is based on practical experience in dealing with the company.
Regarding BARMERwhat truly sets it apart is the level of customer service and the ease of dealing with the company. This is particularly important for newcomers to Germany, where one might initially need help with certain procedures. These procedures include updating insurance data, changing the membership start date, or understanding the steps required to access health services.
Based on my experience dealing with the company, I can help you follow up on these procedures and facilitate communication with them, either by connecting you with Mr. Lennart Müller, who is responsible for following up on cases, or by communicating with me directly to help you complete the required steps.
BARMER is a suitable choice for people starting their lives in Germany, especially international students, master's students, and new employees. The company provides digital services that help members easily manage their insurance, such as tracking membership information, accessing documents, and utilizing available electronic services.
This feature is particularly important for newcomers, as registration for public health insurance can take place before arriving in Germany, such as for university and master's students who need proof of insurance as part of the visa process. Therefore, digital services help track applications, access documents, and communicate with the company before studies or work begin. Moreover, easy communication with BARMER makes dealing with administrative procedures and understanding the German health insurance system much easier.
Additional security features BARMER Governmental
In addition to the basic medical coverage provided by the German public health insurance system, BARMER A set of additional services aimed at supporting health prevention and encouraging members to continuously take care of their health.
Among the most prominent of these services Health prevention programs, which include certified courses in areas such as physical activity, healthy nutrition, stress reduction, and relaxation. These programs help members develop a healthy lifestyle and prevent certain health risks before problems arise.
As it also provides BARMER Bonus Program. With this, members can earn points by participating in various health activities, such as preventive check-ups, vaccinations, participation in sports activities, and others. These points can be converted into financial rewards or used to obtain support for certain additional health services.
Examples of services that can be utilized through the rewards program include: subsidies for professional teeth cleaning costs (Professional teeth cleaning), some manual therapy services such as Osteopathysports and fitness-related services, and some additional health checks or services that are not always covered by basic government insurance.
The company also provides digital services that help members easily manage their insurance, such as tracking membership, uploading documents, and managing certain procedures via an app My BARMERwhich makes it easier to take advantage of these benefits, especially for students and newcomers who may start their insurance procedures before arriving in Germany.
Public health insurance DAK-Gesundheit
is considered DAK-Gesundheit One of the well-known public health insurance companies in Germany. It is characterized by offering a range of additional services that go beyond the basic coverage mandated by the public health insurance system. It is also considered a suitable option for people looking for a balance between insurance costs and the additional benefits provided to members.
One of the points that makes DAK-Gesundheit An attractive option for some people is that the subscription cost is lower compared to some other government health insurance companies, making it a suitable choice for people who care about the financial aspect while maintaining government health coverage.
Progress DAK-Gesundheit for additional support for travel vaccinations, as it can cover up to 90% of the cost of certain travel vaccinations. This feature is particularly useful for people who travel frequently or need additional vaccinations that are not always included in basic services.
The company provides digital health programs that include online coaching and consultation sessions. This allows members to benefit from health and awareness services without the need to visit medical centers directly.
One of the additional benefits offered by DAK-Gesundheit is the possibility of receiving financial support of up to 60 euros for professional teeth cleaning (Professionelle Zahnreinigung). This service is one of the additional benefits that sets it apart from other public health insurance funds.
You can get this insurance by following the registration steps detailed in the article: DAK-Gesundheit public health insurance in Germany].
DAK Fit & Travel package for free
An individual can choose the DAK Fit & Travel package at the same price as the basic package. There are no additional fees for this package. This is considered one of the free benefits not available in other statutory health insurances. This package includes additional benefits such as free travel insurance outside Germany for up to 3 months per year. It also includes rewards when using insurance while traveling. In addition, it includes better hospital health coverage, such as a single room or treatment by the chief physician. This package financially supports health and fitness activities such as gym memberships or the purchase of medical devices.
The company also offers optional insurance packages to suit individual needs, such as:
- DAK Fit & CashReceiving a financial reward for not using medical services for a certain period
- DAK Guarantee TariffThe ability to set a deductible amount and get a refund of up to €600 per year.
In addition to its supplementary health services, it provides DAK-Gesundheit Rewards programs (Bonus ProgramsThese programs allow members to collect points when participating in certain health activities. These points are then exchanged for financial rewards or health services. These activities include preventive medical checkups or health prevention courses.
AOK public health insurance
is considered AOK One of the largest public health insurance companies in Germany, characterized by its wide reach and local branches in most regions. It is suitable for people who prefer direct interaction and local support near their place of residence.
AOK is one of the largest statutory health insurance companies in Germany. It features a wide network of branches and offices spread across many German states and cities. This extensive presence makes it a convenient choice for people who prefer direct communication and visiting a nearby branch. This is especially important for newcomers who may need support at the beginning of their stay in Germany.
Furthermore, the presence of local branches provides the opportunity for direct, personal consultation. This facilitates many procedures such as inquiring about membership, submitting documents, and modifying data. This is particularly useful for people who are still getting to know the German health insurance system and prefer direct communication with staff rather than relying entirely on apps and digital services.
Although AOK It is one of the largest public health insurance companies in Germany, yet its organizational structure differs from some other insurance companies, as it operates through relatively independent regional branches depending on the federal state or region, rather than through a fully centralized system.
This regional organization grants the insured the advantage of having a local entity close to them. However, this also means that some details may vary from one branch to another. Some additional benefits, reward programs, digital services, or the level of support may vary depending on the responsible AOK branch for the place of residence.
Changing your place of residence within Germany may also sometimes require transferring your insurance file to the new local AOK branch, because the system relies on regional branches rather than a fully centralized administration. Therefore, the insured person's experience may vary depending on the federal state or region in which they reside.
You can register for this insurance through the article: AOK statutory health insurance in Germany].
KKH public health insurance
is considered KKH (Kaufmännische Krankenkasse) One of the well-known public health insurance companies in Germany, distinguished by its focus on providing personalized service to members while offering a range of health programs and digital services.
Features KKH (Kaufmännische Krankenkasse) With its focus on direct communication with members and providing personalized support when needed, rather than relying entirely on digital services, the company focuses on helping the insured understand procedures and resolve insurance-related issues. This makes it a suitable choice for people looking for a balance between personal communication and the ease of managing insurance online.
This is particularly useful for newcomers to Germany, who initially need some support. This support includes topics such as registration, submitting documents, or understanding the services provided by public health insurance. Furthermore, having personal support helps facilitate the transition into the German healthcare system, especially for people who are not accustomed to administrative procedures.
On the other hand, it should be noted that KKH has a lower spread compared to some large public health insurance companies like AOK, which has an extensive network of branches in various German regions. This may mean that people who prefer visiting a nearby branch and communicating in person might find fewer options.
Additionally, the company's smaller size and lesser reach compared to some major insurance companies may result in differences in the availability of certain services. Therefore, before choosing KKH, it is recommended to verify the services available in your place of residence.
Insurance BIG Governmental
is considered BIG direkt gesund One of the well-known public health insurance companies in Germany. It is particularly characterized by its strong reliance on digital services and the ease of managing insurance remotely. It is a suitable option for people who prefer to complete their transactions electronically and do not need to visit branches frequently.
BIG direkt gesund is characterized by its strong reliance on digital solutions. Members can manage many insurance procedures online or through the app. These services include submitting documents, tracking requests, and accessing membership information easily. This approach makes handling insurance more flexible, especially for people who prefer to complete their transactions electronically without the need to frequently visit branch offices.
As it also provides BIG direkt gesund Electronic and telephone communication channels help members get remote support. This makes dealing with insurance more flexible, especially for those who prefer digital communication over traditional procedures.
Ease of registration and file tracking are among the features that set BIG apart, as many steps—such as submitting documents and tracking application status—can be completed electronically. This is especially useful for students and newcomers to Germany who need to easily manage their insurance during the transition and settlement phase.
When should one switch from private to public health insurance in Germany?
In the case of employment, whether part-time or full-time, or university enrollment for bachelor's and master's students, the person must switch to government insurance.
There are two situations in which one must switch from private insurance to government insurance:
University and master's students
The first case concerns students affiliated with the university, such as bachelor's and master's students. It is well known that private insurance provides health coverage during the German language study phase before starting university. In other words, it allows one to continue with this insurance as long as the person is not officially enrolled in the university. Accordingly, the person becomes obligated to switch from private insurance to public health insurance when starting university studies in Germany.
Exemption from government student insurance through Care Student insurance
It is not always necessary for a student in Germany to switch from private insurance to public insurance. For example, Care Student insurance allows many students to remain with private insurance and obtain an exemption from public health insurance (Befreiung). This option helps reduce a portion of monthly costs, as Care Student insurance is less expensive than public insurance, making it a suitable and economical choice for international students.
For more details, you can read the article Care Student: The alternative to public health insurance for students in Germany to learn about its benefits, how to register for it, and the target groups
Employees and trainees
Regarding the second case, it is related to work and trainees in Ausbildung programs. The person can continue with private insurance until starting a part-time (Teilzeit) or full-time (Vollzeit) job in Germany. After starting the part-time or full-time job, the person must switch to public health insurance (Gesetzliche Krankenversicherung).
In contrast, this condition does not apply to work Mini-job. Because this type of work does not require switching to public health insurance. Therefore, a person working a Mini-job can continue with private insurance, such as Insurance Care College or Care Student Without the need to change the insurance.
It is important that a person is not registered in the government health insurance by their employer, because the employer often chooses the cheapest option in order to reduce the costs of which they bear a part within the insurance system. Therefore, it is preferable for a person to register for government health insurance themselves directly online.
When can I switch insurance? Governmental To private insurance in Germany?
Transition from insurance Governmental My students
The age factor is important for registration and transfer in government student insurance:
- If you are under 29 years old, you can get government student health insurance through one of the approved companies mentioned earlier.
- If you are over 29 years old, you cannot register for the special government student health insurance. You therefore need to switch to Care Student Insurance.
Transition from insurance Governmental Work-related
A person can, after or before the end of their employment depending on their insurance status, notify the government health insurance company of their wish to terminate their membership. This usually requires providing proof of alternative health insurance, such as private health insurance provided by Care Concept As explained in the previous paragraph, after reviewing the documents and meeting the required conditions, the government insurance is officially terminated and transitioned to private health insurance.
Filling out the registration form for Barmer statutory health insurance
There will be a video explaining how to register for AOK insurance on My YouTube channel.
في البداية من المهم تعبئة البيانات الشخصية في هذه الاستمارة، لأتمكن من متابعة ملفاتكم داخل منصة BARMER مع الموظفين المسؤولين وتصبح عملية فتح الحساب أسرع وأسهل.
يرجى بدء التسجيل عن طريق رابط التسجيل الرسمي الخاص بتأمين BARMER، حيث توجد العديد من مواقع الاحتيال، لذلك قد يكون من الخطير رفع معلومات شخصية حساسة عليها، خصوصا عندما يتعلق الأمر بالبيانات المالية.
ستظهر لك واجهة التسجيل الأولى بهذا الشكل. لبدء إجراءات التسجيل، اضغط على خيار See our Policies للانتقال إلى خطوات إنشاء العضوية وإدخال بياناتك الشخصية والتأمينية.
This interface then appears, and through it we choose the option Public Health To continue.
After that, this window appears, so we scroll down the page to proceed to the next step.
After scrolling down the page, a list of government health insurance providers will appear. Then we click on the option Sign up Located below the logo BARMER To continue.
This page explains the steps for registering for insurance BARMER Government health insurance. The process begins by submitting a membership application, and then the company sends insurance coverage confirmation via email within approximately two weeks. After that, you can upload your personal photo electronically through your account, and finally, your health insurance card will arrive by mail after uploading the photo or when the insurance becomes effective.
This interface appears to confirm the account used in the registration process. If the displayed account is correct, we click on Continue To continue. Or, if you want to use another account, you can choose Choose another account.
Enter the personal information required to secure the public Barmer insurance
In this step you are asked to enter the full name as it is recorded in official documents. We write the first name (First name) and last name (Last name) Then we proceed to the next step.
You are then asked to enter the birth surname (Maiden nameIf your last name has not changed since birth, enter the same last name.
Afterwards, the date of birth is requested (Date of birth) We add it, then proceed to the next step.
In this step, you are asked to specify the gender (Gender) as recorded in your official documents.
Enter the required German address to secure BARMER public health insurance
In this step, you are asked to determine whether you have a residential address in Germany (German address). Choose Yes If you have an address within Germany, or No If you don't have an address yet.
In this step, you are asked to enter your residential address in Germany (Address in GermanyYou can search for the address using the option Search for address, or entered manually through the option Enter address manually.
After entering the address, the data is automatically distributed into the designated fields, such as street name, house number, city, and postal code. Review the address information and ensure its accuracy before proceeding to the next step.
Determine the professional or student status for registration in BARMER public health insurance
In this step, you are asked to determine your main status in Germany (Main occupation in Germany). اختر الخيار الذي يناسب حالتك الحالية أو القادمة، مثل الدراسة الجامعية أو الماستر (University student)، العمل (Employed)، وجود عرض عمل مؤكد (I have a job offer)، العمل الحر (Self-employed) أو خيار آخر (Other).
University selection for students
هذه الخطوة تخص من اختار خيار University student في الفقرة السابقة. يُطلب منك تحديد ما إذا كانت جامعتك موجودة داخل ألمانيا.
بعد ذلك يُطلب منك اختيار اسم الجامعة التي ستدرس فيها من القائمة المتاحة. إذا لم تجد اسم جامعتك ضمن الخيارات، يمكنك اختيار خيار عدم وجود الجامعة في القائمة.
Determining annual income
تظهر هذه الخطوة للأشخاص الذين اختاروا حالة العمل، مثل Employed، أو وجود عرض عمل مؤكد (I have a job offer)، أو العمل الحر (Self-employed). يُطلب منك إدخال دخلك السنوي قبل خصم الضرائب (Brutto-Jahreseinkommen). قم بكتابة إجمالي الدخل السنوي باليورو كما هو مذكور في عقد العمل أو كما هو متوقع، قبل خصم الضرائب والتأمينات الاجتماعية.
Determining working hours for students
يظهر هذا الخيار للطلاب فقط أثناء التسجيل. في هذه الخطوة يُطلب منك تحديد ما إذا كنت تعمل أكثر من 20 ساعة أسبوعيا كموظف أو كعامل حر (Freelancer). Choose Yes إذا كنت تتجاوز هذا الحد، أو No إذا كنت تعمل 20 ساعة أو أقل أسبوعيا.
إذا كنت تعمل كطالب عامل (Werkstudent) أو لديك عقد تدريب عملي (Internship)، فقد تسمح القواعد الخاصة بالطلاب بالعمل أكثر من 20 ساعة أسبوعيا خلال فترات معينة. في هذه الحالة يمكنك اختيار No إذا كان وضعك يندرج ضمن هذه الاستثناءات.
Determine the start date of the BARMER public health insurance
تختلف هذه الخطوة حسب اختيارك في قسم الوضع المهني أو الدراسي أثناء التسجيل في تأمين BARMER الحكومي.
إذا اخترت طالبا جامعيا أو طالب ماستر، سيُطلب منك إدخال تاريخ بداية الفصل الدراسي الأول. غالبا يكون تاريخ بداية الفصل هو 1 أبريل للفصل الصيفي أو 1 أكتوبر للفصل الشتوي، مع إدخال اليوم والشهر والسنة.
أما إذا اخترت وجود عرض عمل مؤكد، فستقوم بإدخال تاريخ بداية عقد العمل كما هو مذكور في العقد.
في حال اخترت موظفا، فسيُطلب منك تحديد التاريخ الذي ترغب في بدء سريان التغطية التأمينية فيه.
Identify previous public health insurance
في هذه الخطوة يُطلب منك تحديد ما إذا كان لديك حاليا تأمين صحي حكومي في ألمانيا. اختر Yes إذا كنت مشتركا بالفعل في إحدى شركات التأمين الصحي الحكومي، أو اختر No إذا لم يكن لديك تأمين حكومي حاليا.
في حال الإجابة بنعم على السؤال السابق، سيطلب منك تحديد نوع التأمين الحكومي الحالي من بين الخيارات المتاحة.
في هذه الخطوة يُطلب منك اختيار اسم شركة التأمين الصحي إذا كنت مشتركا مسبقا في تأمين صحي حكومي. اختر اسم شركة التأمين الخاصة بك من القائمة المتاحة.
بعدها يطلب منك تحديد ما إذا كنت ترغب في الانتقال من شركة التأمين الصحي الحالية إلى BARMER. عادةً يجب أن تكون مشتركا مع شركة التأمين الحالية لمدة لا تقل عن سنة واحدة، مع الالتزام بفترة إلغاء مدتها شهران تقويمان كاملان قبل بدء التأمين الجديد.
قد توجد استثناءات في بعض الحالات، مثل تغيير الوضع المهني، أو إذا قامت شركة التأمين الحالية بزيادة الاشتراكات. في حالة زيادة الأسعار، يمكن إنهاء التأمين خلال شهر من تاريخ الزيادة دون الحاجة إلى الانتظار لمدة سنة.
إذا كنت تستوفي الشروط وترغب بالانتقال إلى BARMER، اختر Yes To continue.
Entering employer data when registering for BARMER insurance
تظهر هذه الخطوة للأشخاص الذين اختاروا حالة العمل أثناء التسجيل في تأمين BARMER. يُطلب منك إدخال بيانات جهة العمل. يشمل هذا في البداية إدخال اسم صاحب العمل.
بعدها يتم إدخال المسمى الوظيفي (Job title).
بعدها يتم إدخال عنوان صاحب العمل في ألمانيا.
بعد اختيار العنوان، يتم توزيع البيانات تلقائيا ضمن الحقول مثل اسم الشارع، رقم المنزل، المعلومات الإضافية، الرمز البريدي، والمدينة. تأكد من صحة البيانات قبل المتابعة.
Enter place of birth and nationality
في هذه الخطوة يُطلب منك إدخال مدينة الميلاد (City of birth). اكتب اسم المدينة التي وُلدت فيها كما هو مذكور في جواز السفر، ثم تابع إلى الخطوة التالية.
بعدها يُطلب منك إدخال بلد الميلاد.
ضمن بياناتك الشخصية، ستحتاج إلى تحديد الجنسية أو الجنسيات التي تحملها. اختر الدولة المناسبة من القائمة، وإذا كنت تحمل أكثر من جنسية يمكنك إضافة جميع الجنسيات المسجلة باسمك.
Determining pension eligibility status when registering with the public health insurance BARMER
ضمن الأسئلة المتعلقة بالوضع التأميني، يتم الاستفسار عما إذا كنت تحصل حاليا على أي دخل من صندوق تقاعد حكومي أو خاص (Pension fund).
بالنسبة لمعظم الأشخاص غير المتقاعدين، يكون الخيار المناسب هو No. أما إذا كنت تتلقى معاشا تقاعديا من جهة حكومية أو خاصة، فاختر Yes.
Adding family members to public health insurance BARMER
يظهر هذا السؤال ضمن قسم معلومات الأسرة، حيث يتم التحقق من وجود أطفال معالين (Dependent children) تقل أعمارهم عن 25 عاما.
قد يؤدي تسجيل وجود أطفال معالين إلى تخفيض قيمة الاشتراك الشهري في بعض الحالات، حتى إذا لم تتم إضافتهم ضمن وثيقة التأمين نفسها. اختر Yes إذا كان لديك أطفال تنطبق عليهم هذه الشروط، أو No إذا لم يكن لديك أطفال.
ضمن معلومات الأسرة، يتم السؤال عما إذا كان لديك أطفال تقل أعمارهم عن 25 عاما.
Signature and final approval of the terms and conditions of BARMER statutory health insurance
في الخطوة الأخيرة من التسجيل، يطلب منك توقيع طلب التأمين من أجل منح الموافقة الرسمية على معالجة الطلب.
كما يؤكد هذا الإقرار أن بياناتك سيتم معالجتها من قبل BARMER بهدف إتمام إجراءات التأمين وتحديد العلاقة التأمينية وجمع الاشتراكات وفقا للقوانين الألمانية مثل SGB V و SGB XI. تحتفظ BARMER بهذه البيانات للفترات المحددة قانونيا حسب نوع المعلومات.
Review and submit the BARMER public health insurance application
تظهر في هذه المرحلة صفحة مراجعة البيانات للتأكد من صحة جميع المعلومات التي أدخلتها قبل إرسال طلب التسجيل في تأمين BARMER.
قم بمراجعة الأقسام المختلفة مثل الحالة الدراسية، إضافة أفراد الأسرة ضمن التأمين العائلي، وبيانات الأطفال، وتأكد من أن جميع الإجابات المدخلة صحيحة.
بعد التأكد من البيانات، فعّل خيار تأكيد صحة المعلومات، ثم اضغط على زر إرسال الطلب لإكمال عملية التسجيل.
Conclusion
يعد التسجيل في تأمين BARMER الحكومي خطوة مهمة لكل من يبدأ الدراسة أو العمل أو التدريب في ألمانيا، حيث يضمن لك الحصول على تغطية صحية معترف بها والاستفادة من خدمات الرعاية الطبية وفقا للنظام الصحي الألماني.
من خلال اتباع خطوات التسجيل الموضحة في هذا الدليل، يمكنك إتمام طلب العضوية بسهولة وتجنب الأخطاء الشائعة أثناء إدخال البيانات. وبعد قبول الطلب، ستتولى BARMER متابعة الإجراءات وإرسال المعلومات والمستندات المتعلقة بالتأمين، لتتمكن من استخدام خدمات التأمين الصحي بشكل رسمي داخل ألمانيا.
