Health insurance is an important and integral part of life in Germany.
When is it possible in the contract of state health insurance (gesetzliche Krankenversicherung – GKV) one spouse to include all other family members (spouses and children) significantly saving the family budget?
Familienversicherung – family tariff in the state health insurance GKV.
Our service - apply for a public health insurance policy
Prerequisites for the free inclusion of a family member in family insurance:
-A spouse with an income of up to 520 euros per month (in 2023) or no more than 485 euros if he is an entrepreneur.
-Children under 18 years old.
-Children under 23 years old if they live with their parents and do not work.
-Children under 25 years old if they live with their parents and study.
You cannot include your children in YOUR national insurance (GKV - Gesetzliche Krankenversicherung) if:
– your spouse has private insurance (PKV – Privat Krankenversicherung), and his income is more than 66600 euros per year (in 2023) and it is more than yours.
Still have questions? Write us and we will answer you in detail.
We have sorted out more important insurances in Germany in a separate article.
What is the difference between GKV State Health Insurance and Private Health Insurance and which one to choose, we told in the next video.
What is the difference GKV from PKV and which one to choose
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Our family has medical insurance from VKK, which includes our adult children...I have a question. My daughter’s friend is sick, but he lives here recently and has not yet taken out medical insurance...can she cover him under our insurance?
Hello.
In general, health insurance taken out for a single family member or for a family usually covers only those who are immediate members of that family and are named on the policy. This means that friends or others not included in the insurance policy generally cannot use the insurance for medical services.
In the case of your daughter and her friend who has not yet signed up for his own health insurance, he most likely will not be able to use your family VKK insurance. In such situations, it is usually recommended to seek medical care directly, pay for the services yourself, or take out temporary insurance for it.
Thanks, it was very helpful!
Thanks for the feedback!