Families and public health insurance 2013

Who can be insured?

Here is a summary of the main points in the German Social Law Book (SGB 5), which refers to the insurability or not of family members.

  • The spouse, the registered civil partner and the children of public insurance members can be insured if the members of the family : have their residence or usual place of stay in Germany and are not overwhelmingly self employed and earning over €385 a month from either this employment or from any other source such as income from a rented property or a pension etc. In 2013, a self employed person is assumed to have a minimal income of €2,021.25 per month, which means he or she will have to contribute at least €345.64! 
  • The family can also be co- insured if one of them has a salary under € 450 a month or if the total monthly income does not exceed 1/7 of the monthly "Bezugsgröße"i
  • Can be co-insured until their 19th birthday or until their 24th birthday if they are not economically active or until their 26th birthday if they are students, trainees or doing an apprenticeship. 
  • Children are not compulsorily insured in the public system if the father or mother is not a member of public insurance, is privately insured and earns more than 1/12 of the "Jahresarbeitsentgeltgrenze"ii 

The Bezugsgröße is a mathematical benchmark used by the Bundesministerium für Arbeit und Soziales to link the development of income in Germany and payments to the public pension system. 1/7th of this Bezugsgröße is the income limit for free co-insurance in the public health system.
ii The Jahresarbeitsentgeltgrenze is € 47,250 per annum in 2013.