BarmeniaGothaer Reviews 

So far, so good.

I had the "surprise" that my contract went from 14€ to 44€ in one year. I wonder if they even notified us. I never got any notification tho. I submitted a request asking why the prices went so high and they said basicaly "it is what it is". I cancelled my contract. And did you know as soon as you cancel (although my contract will expired end of dec 2026) I do not have access to the app anymore?
Aweful customer service and horrible experience, they basically hung up on me! I now have to send my invoices via email. I hope they reply and refund in time!

Dear Victim,
I started dental insurance with Barmenia in 01/2024. I have been pulled into this black hole by super amateur consultants of GetSafe. Started having problems since 10/2024 and still struggling. As rule of thumb, communication with this company is impossible. Their approach to customer is bully, blame and ignore. Company is focused on collecting premiums and causing trouble when you need support.

The mechanism is simple:
1) They cover the costs for minimal things without requesting documents through a silly app.
2) When you come with a serious issue they want all your records 2 years from beginning of contract. 3)They get through it violating all your medical data privacy: They check your previous completed treatments and irrelevant visits etc.
4)They will find something
5)They accuse you of being fraud
6)They will cancel your contract in a few days and absorb all your payments. No notice period. No chance to defend yourself. (and blacklisting)
7)They will ask for all the previous reimbursements to be paid back
8)They will send you a final debt (Months later). And give 2 weeks to pay and blame you again not to pay it.
9) All you objections and questions will remained unanswered or you will get answers treating you as an intentional fraud. And you are going to be bullied.

The situation will be very complex when you complete this cycle. Normally they have to request proof documents at the beginning and upon upgrade of your contract. But they are waiting for the correct moment to hit you. During the entire period of 15 months, they never answered my questions properly. You get responses like "it has already been explained to you. Please do not write to us".
My overall suggestion is that never risk your life with this company. They lack communication. This is just a dental case. I cannot imagine the harm they may cause in cases of health, pension, accident etc. This company is apparently far from German professionalism. I hope they get bankrupt very quickly and erased from German insurance market (or a responsible authority will put an end to this disgraceful game / very unlikely)

Hint: Try writing "which is the worst dental insurance company in Germany" to Chat GPT.

Regards,

Called the hotline for a flat battery. Help arrived eleven hours later. Holiday demand aside, this is simply poor capacity planning and a disregard for the customer. Avoid.

Absolute worst! They will force you to send them all your documents, and even if you honestly and transparently provide everything from your doctor, they'll still find something to nitpick. Not only do they refuse to reimburse you anything, but they even have the nerve to ask you to pay them on top of it. They will totally rip you off. Absolute rats. Avoid them, please, you're better off paying a bit more for a more trustworthy company.

I have been a customer of Barmenia for over a year, paying regularly for the Zahnzusatzversicherung. Unfortunately, my experience has been deeply disappointing. I submitted a dental bill over seven months ago, and ever since, I have been caught in a frustrating loop of repeated document requests.

Each time I submit the requested documents, Barmenia either claims something is missing or requests a different version, often without clear explanation. Despite sending all required documentation multiple times, I still haven’t received reimbursement. Instead, I receive new demands, which feels like a deliberate delay tactic rather than genuine processing.

What makes this even worse is their poor customer communication:

Emails are often ignored, and

I usually have to follow up several times just to get a response.

This treatment is unprofessional, exhausting, and disrespectful to loyal customers. I expected reliability and transparency from a health insurer, but what I have experienced is the opposite.

At this point, I can no longer recommend Barmenia, especially if you're considering their Zahnzusatzversicherung. If customer service and timely reimbursement are important to you, I suggest looking elsewhere.

Terrible customer service! Was interested but lost it all after their communication skills. Never got an answer on my email. Called them, seemed like i was forcing someone to give me the answers on the question regarding which tariff would fit me the best… never again!

With hapftpflicht, my experience has been good. But with their Rente I feel totally ripped off and left wondering how they consider this a valid way for people to save. They follow the fees upfront for the first 5 years method, which added up to close to 5000 euros that is lost in terms of interest (this is a stupid fee structure, honestly). After that you think you won't be charged any more fees... Nope! You get charged 600+ euro (!!!!) per year verwaltungskosten which is 3% on 20k and ensures your money is shrinking and not growing. For comparison, PensionFriend charge 0.25% fees on your account, which is only 50 euros per year.
I will close this account as soon as I can and I would not recommend anyone use this Rente.

When they need to take your money, they find a way! When they need to pay, you cannot find them. Very bad experience, the app is not working, they direct you from Barmenia app to Nect wallet where you have to identfy yourself-this didn' work either, which has nothing to do with Barmenia. They make the process very complicated for you, in order to not pay. Barmenia app is not working, as well as their website. I have tried 30 minutes to insert my data in the website app, they couldn't find my contract :). The online service telephone is directing you to a bot and you can wait 20 minutes to speak with a person-somebody. I couldn't reach anynone. Also over emial you can forget to reach somebody, they don't respond. Bad experience!

Don’t trust this insurance. They invent new reasons to not to pay you. The customer service has zero knowledge on the topic but evaluates your medical bills and rejects just because the bill was confusing. That was the exact reason they gave. When called I learnt they have no knowledge to read a medical bill. Please stay away from them.

This is by far the worst company ever they overload you with so much paperwork to go through once you file a claim. Keep you waiting for almost half a year and eventually dont reimburse nothing. They are scammers and thieves you pay monthly premium and get nothing in return but shitty customer service and unfair treatment. I am already in contact with instagram influencers to make short videos and posts about how this this company is.. everyone deserves to know the truth about scam companies especially this one

No english support, website in German and before I was contacted by them via Email, they sent a debt collection agency. So passive aggressive it is unreal. And they never did refund me after 3 years after an Ostheopathy appointment (And we contacted support several times where they confirmed a REFUND would be emitted. It never did so I cancelled my PayPal agreement with them)

3 years later still no refund, but they did send Riverty Services to collect their debt. Shame I also can't to get my refund, huh?

Horrible customer service. Have not properly reimbursed owed expenses, but when you call customer service, you get to talk to what sounds like college students - lots of background noise, no ability to communicate. They simply seem to have no clue, and then switch you over to another person...and guess...the line falls through. This has happend 3 times now and I am sick of this company. Not to mention that no email contact is possible (they hide this on the app or website and force you to call, so that they can wear you down for the reasons above). I am cancelling all coverage and switching to another company.

Personally for me the insurance policy I bought from Barmenia to cover extra dental expenses was a total waste of money. Not only did Barmenia requested all possible and impossible documents but after months of consideration refused to cover the costs associated with implants. What a shame! Would never recommend this company to anyone!

I called them many times, but talking to an actual human is almost impossible. When they finally answered, I asked them to cancel my dental insurance, they said it was done but I am still being charged through direct debit. Now again, I cannot reach anyone. They never answer emails. Terrible customer service, they basically make money by neglecting the customer.

There is literally nothing remotely acceptable about this company. How they're not bankrupt from class action lawsuits is a mystery. They deliver NOTHING, and charge standard rates. You cannot reach a human, ever. Call 5 times, everyone gives you a new number only to find out the (probably fake) person who may help, isn't working monday at 11:15. Emails don't get replied to. Invoices submitted don't get reimbursed. No one exists to explain why. It's just a nightmare.

Phone call get unresponded during four business/non working days. Emails get ignored. Does anybody works in Barmenia besides sales?

This company is cheating in arranging contracts. Be careful. The consultants are not trustworthy at all.

Although their processing takes abit long and it's cumbersome to follow up i would choose them again and again because they are affordable.

Called them to ask whether or not an incident is covered. They confirmed, that everything is covered, so I had the item repaired at a workshop to get a receipt (otherwise I would have repaired it myself). When I sent the receipt, all the sudden they changed their mind and are no longer willing to reimburse the expense.

Cannot recommend. DON'T CHOSE THIS INSURANCE, GET ANOTHER ONE THAT'S HONEST AND RELIABLE.

Update: Hatte mich auf den Kommentar hin bei Barmenia gemeldet. Die Email wurde bis jetzt aber einfach ignoriert. Es scheint kein ernsthaftes Interesse zu geben, wirklich etwas zu klären. Vielleicht nur Marketing um hier den Eindruck zu erwecken es gäbe Kundenservice?

Sollte doch noch etwas passieren, werde ich die Bewertung überarbeiten.

Update: ein Monat vergangen, nie etwas von Barmenia gehört. Toller Service. Finger davon lassen!