Free family insurance: cover for your entire family
With DAK-Gesundheit, you’re not the only one in safe hands. You can also insure your family in Germany at no extra cost. When you fill out your membership application, simply indicate that you would like to take out family insurance, or you can contact us directly.
Family insurance is available for:
- Your spouse or life partner under the German Act on Registered Life Partnerships (Lebenspartnerschaftsgesetz)
- Biological and adopted children
- Children of children who are also covered by your family insurance
- Stepchildren and grandchildren who, as a DAK member, are mainly under your care
- Foster children
To be eligible, you and your family members must reside in Germany and not already be covered by another statutory health insurance scheme.
Non-contributory insurance for children
Insurance cover for children is subject to age limits. They can be covered by their family’s insurance until their 18th birthday. If they are not yet in employment, they can continue to be covered by their family’s insurance until their 23th birthday. If they are still at school, in unpaid vocational training, doing a voluntary social or environmental year or studying, they can remain covered by family insurance until their 25th birthday. This can only be extended in certain exceptional cases.
There is no age limit for children with mental, psychological or physical disabilities who are reliant on care.
Income thresholds for family insurance
Income thresholds apply to all family members covered by the insurance: They must not earn more than 505 (2024) / 535 (2025) EUR per month. In the case of marginal part-time employment, also known as a ‘minijob’, the limit is 538 (2024) / 556 (2025) EUR.
Application for family insurance
You can request family insurance when you apply to become a member. After we have confirmed your membership, you will receive a letter with a password. You can use the password once to easily enter all the necessary details for family insurance online.
