Family insurance in the GKV

What does family insurance include and how does it work?

Family insurance is based in principle on the basic statutory health insurance system, which is a social insurance system. Because of this “social” system, some people may take out insurance with the main insured person free of charge.

• Family insurance is only available in the statutory one Health insurance. It means that certain people can also take out insurance free of charge if there is a main insured person who pays.

• The way it works is relatively simple, because if you have family insurance, you can have health insurance in exactly the same way as the main insured, only without paying any contributions have to. There are no differences between the insured in terms of benefits.

Who is allowed to take out family insurance in the GKV?

Of course, not everyone is allowed to take out family insurance for free in the GKV. In addition, certain other requirements must be met.

• Basically, first of all, the spouse and life partner (registered partnership) are among the people who are allowed to take out family insurance. The eligible group of people also includes children (natural and adopted), the children of already family insured children and, under certain conditions, stepchildren, grandchildren and Foster children.


TK family insurance - what you should know about health insurance

Every statutory health insurance company has the rule that some citizens ...

• In order to be able to take out family insurance, the person not only has to belong to the aforementioned group, but that Family-insured health insurance members must also have their habitual residence in Germany to have.

• It is very important that certain income limits must be observed. This applies to both spouses and children. You are only allowed to take out family insurance if you regularly do not earn more than 375 euros per month (from self-employed) or have a so-called mini-job and no more than EUR 400 per month in income achieve.