Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs HealthMarkets
Barmenia
Higher score in this comparison
HealthMarkets
What sets them apart
| Compare | BarmeniaReviewSee alternativesSee alternatives | HealthMarketsReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more | Health, Life, Dental, Critical illness, Income protection |
| Provider type | Insurer | Broker |
| Premium from | €2.40 | Not confirmed |
| Excess from | €250 | Not confirmed |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | Not confirmed |
| Claims channels | Online claims form, Phone, Email, Customer portal | Not confirmed |
| Age range | Any age (dog surgery cover) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Barmenia scores higher overall: 9.4 vs 9.0.
- Founded is lower at Barmenia: 1904 vs 1984.
- Insurance types: only Barmenia offers Auto, Home, Renters.
- Support channels: only Barmenia offers Email.
Our verdict on each
Barmenia
Barmenia is a direct insurer founded in 1904, and it suits people who want motor, home, health and pet cover held on a single monthly policy rather than split across separate insurers. Claims can start by online claims form, phone and email, and pet surgery cover is open to Any age (dog surgery cover).
HealthMarkets
HealthMarkets is a US broker aimed at seniors, so it suits anyone who wants a guide rather than a policy of its own. It handles health, life, dental, critical illness and income protection, arranged on a monthly basis, and trades as HealthMarkets Insurance Agency, Inc.
Score breakdown
| Area | Barmenia | HealthMarkets |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.1Higher |
| Offer | 9.6Higher | 8.8 |
| Trust | 9.7Higher | 9.1 |
How they place
| Ranking | Barmenia | HealthMarkets |
|---|---|---|
| Life insurance | 50 of 263 | 161 of 263 |
| Health insurance | 43 of 216 | 130 of 216 |
| Income protection insurance | 14 of 92 | 60 of 92 |
| Critical illness cover | 13 of 65 | 39 of 65 |
| Dental insurance | 16 of 50 | 37 of 50 |
Every fact side by side
| Fact | Barmenia | HealthMarkets |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | HealthMarkets Insurance Agency, Inc. |
| Headquarters | Germany | United States |
| Founded | 1904Lower | 1984 |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Barmenia | HealthMarkets | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | Not confirmed | €6.02 |
| Excess from | €250highest quarter | Not confirmed | €50 |
Median across 116 listed insurance providers.
Pros and cons
Barmenia
Pros
- A single insurer holds auto, home and renters plus home emergency cover, so several personal lines sit with one provider.
- Monthly payments are available and monthly is the listed payment model, which spreads the cost across the year.
- Claims can be started by online claims form, phone and email, so a customer portal sits alongside phone and email.
Cons
- The pet surgery excess starts at €250, so part of a claim bill still comes out of the household's pocket.
- Gadget, landlord and breakdown cover are not among its insurance types (auto, home and renters), so those risks sit with another provider.
- General queries run on phone, email and help centre, and live chat is not among them.
HealthMarkets
Pros
- Covers health, life and dental in one place, so health, dental and income cover can sit with a single broker
- Built around seniors, which suits people shopping health cover for that stage of life
- Policies run on a monthly basis and monthly payments are available, which keeps cash flow predictable
Cons
- A broker rather than an insurer, so the cover sits with a carrier HealthMarkets places you with
- Support runs on phone and help centre only, with no live chat or email among them
Who each suits
Barmenia
Who it suits
- Households wanting motor, home, health and pet cover arranged by a single direct insurer.
- Owners of older dogs, since Any age (dog surgery cover) applies to the surgery cover.
- People who prefer monthly payments over settling a premium in one go.
Who should look elsewhere
- Buyers after a narrow line rather than a bundle: Good Sam Insurance Agency lists auto, home and renters and leaves out dental, critical illness and income protection.
- Anyone quoting in a different market: Euroasia Insurance starts at UZS 60,000, priced in another currency from Barmenia's home market of DE.
- Customers wanting a mobile banking account instead of general insurance: bunq quotes €0 for an account, not for auto, home and renters cover.
HealthMarkets
Who it suits
- Seniors looking at health cover through a broker
- People who want one adviser for health, life, dental and income protection
- Households that prefer monthly payments over a single annual premium
Who should look elsewhere
- People who want to hold a policy directly with an insurer rather than through a broker
- Shoppers who want a published price before they start a conversation
- Readers after gadget cover, as it is not among health, life and dental
Country by country
| Country | Barmenia | HealthMarkets |
|---|---|---|
| Germany | Yes | No |
| United States | No | Yes |
Questions about each
Barmenia
How much does cover cost?+
The starting premium is €2.40, which sits below the €8.37 median across the site and places Barmenia at 55 of 252 on that measure. Pet surgery cover also carries an excess starting at €250.
Is there an excess to pay on pet cover?+
On pet surgery cover the excess starts at €250, so at least that much comes off a claim before the balance is paid. Owners with frequent small veterinary bills will feel that contribution more than those making a single large claim.
HealthMarkets
What does HealthMarkets actually sell?+
HealthMarkets is a broker, so it places cover with carriers rather than issuing it. The lines it handles are health, life and dental, which means health, life, dental, critical illness and income protection can all sit with the same adviser.
Is HealthMarkets an insurer?+
No. It is a broker, which means the policy you end up with is underwritten by a carrier HealthMarkets introduces you to. The broker advises and places the cover, while the named carrier carries the risk and pays claims.
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