Membership and Family Insurance
Step by Step
Every person living in Germany is obliged to have a German health insurance. Employees with a certain income can switch to private health insurance. But be careful! Returning to statutory health insurance is very difficult and subject to strict conditions. Therefore, the step into the private insurance (PKV) should be well considered. Private health insurance contributions depend on your age, your current state of health and the desired benefits. Each individual family member pays their own contributions while the family insurance is the statutory health insurance fund (spouse and/or children without income) is free and your contribution is based on your gross income. The solidarity principle applies here.
Spouses and/or children are insured free of charge if they do not earn an income on their own. This applies to family members who live in Germany and have their habitual residence in the country. For children, there is an age limit in the family insurance (up to 23 years, students up to 25 years). If your spouse starts working, he or she can become a member as well. You will receive an annual family questionnaire to check whether the conditions are still fulfilled. It is very important to complete the questionnaire and return it to BKK MTU, otherwise your family’s insurance may be revoked.