What is Fa­mi­li­en­ver­si­che­rung?

Your public health insurance covers your dependents for free. They get the same coverage as you. This is called Familienversicherung.

Your insurance covers…

  • Your children under 23 years old
  • Your children under 25 years old if they are studying
  • Your spouse

Your insurance only covers them if…1

  • You have public health insurance
  • and their total income is under €535 per month, or €556 per month for a minijob
  • and they are not self-employed full time
  • and they are not a civil servant (Beamter)
  • and they are not an apprentice (Azubi)2

How to choose health insurance

Sources and footnotes
  1. Techniker Krankenkasse (February 2025) 

  2. gesetzliche-krankenkassen.de (March 2025)