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
-
Techniker Krankenkasse (February 2025) ⤴
-
gesetzliche-krankenkassen.de (March 2025) ⤴