Your electronic medical data card

Why do I need the DAK insurance card?

Your DAK-Gesundheit health insurance card works like a pass. When you pay a visit to your doctor or go to the hospital, simply present your card. This way, your medical treatment is settled through us and you do not have to pay anything. All the necessary information about your health insurance is stored on the insurance card, such as your first and surname, date of birth, address and insurance number. It is valid in Germany and many other countries. 

So that nobody else can use your health insurance card, it has a photograph of you on it and must be signed by you. It  is best to always have the card with you.

When will I receive my insurance card?

In order to issue you with the card, you need to provide us with the address at which you are permanently registered. If you cannot provide us with an address, we can issue you with a provisional treatment certificate which you can present to the doctor.

If you do not receive your insurance card immediately, we will give you a treatment certificate for the mean time, which you should ideally always have with you.

What information is stored on my card?

Your medical data card has a small chip that stores information such as your name, address and membership number. You will find your photo on the front. Please sign your name on the back of the card.

Please let us know if you’ve changed address or if any of your other details have changed. Your health insurance card will be automatically updated the next time you visit your doctor. If you need a new health insurance card because of the change in details, we will take care of this.

What should I do if I lose my card? 

If you lose your card, please let us know. We can send you a provisional certificate to present to the doctor if you need one. We will also send you a new health insurance card free of charge. You can also request a new card on our website or through our app.

Can I go to the doctor without an insurance card?

Yes, you can still go to a doctor if you have forgotten your medical data card or have not yet received a new one. However, you are obliged to provide the card to the doctor’s practice within 10 days.

If this is not possible, we will be happy to send you a replacement certificate. If you do not present your card or the replacement certificate within 10 days, the practice is entitled to privately charge you for the treatment.

Can I also go to the doctor with the medical data card in my home country?

Yes, our insurance card is accepted in most European countries. The doctor’s surgery will invoice us as they would for a visit to a doctor in Germany. If you are issued an invoice, please cover the cost yourself for the time being. You can send us the invoice and we will reimburse you in line with our contractual terms.

You must cover any additional payments or deductibles.

An exception is Bosnia-Herzegovina. In this case, you will need a certificate of entitlement to healthcare abroad. You can obtain this from our customer service team or download it from the website under ‘My DAK’.

Where am I insured with my DAK health insurance?  

With your DAK health insurance card, you can go to the doctor or hospital in most European countries. This is because the EHIC is on the back on the card.

Your DAK health insurance card can be used in the following countries: Belgium, Bulgaria, Denmark, Estonia, Finland, France, Greece, Ireland, Iceland, Italy, Croatia, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Montenegro, Netherlands, North Macedonia, Norway, Austria, Poland, Portugal, Romania, Sweden, Switzerland, Serbia, Slovakia, Slovenia, Spain, Czech Republic, Hungary, United Kingdom and Cyprus (only in the Greek part).