Is private health insurance the right option?
Let's get into the nitty gritty of German insurance regulations! Two factors determine what type of health insurance your baby should get: the income of you and your spouse, and both of your health insurances.
The rules don't apply if only one spouse is the biological parent, and the other spouse has not adopted the child.
Spouse 1 | Spouse 2 | Your baby's insurance |
Private health insurance | Private health insurance | Private health insurance for €150-€260 a month |
Private health insurance. Higher income than spouse 2. | Public health insurance. Lower income than spouse 1. | Private health insurance. Alternative: public health insurance for €210 a month. |
Private health insurance. Lower lower income than spouse 2. | Public health insurance. Higher income than spouse 1. | Cost-free public health insurance. Alternative: private health insurance for €150-€260 a month. |
Public health insurance | Public health insurance | Cost-free public health insurance |
How much does private health insurance cost?
Simply reach out before your little one is due. Within a day, you'll get the coverage details and quotes starting at €160 per month. If you are employed, your employer will pay up to 50%.
Type I requirements: Get 1 month of coverage for your baby for free
Type I requirements: Get 1 month of coverage for your baby for free
Enroll your baby within 2 months of birth.
Your baby must get the same/ less comprehensive coverage as their parent.
One parent must be covered for 3 months before birth, or the mother has applied before the 20th week of pregnancy.
Type II requirements: Get 1 year of coverage for your baby for free
Type II requirements: Get 1 year of coverage for your baby for free
Eligible tariffs:
One parent is covered under a long-term plan purchased after March 2023, and the baby is covered under the same plan with a €1200 deductible or
One parent is covered under a long-term plan with a deductible purchased after March 2023 and the baby is covered under the same plan with same deductible level.
One parent had private health insurance for 8 months when the baby is born.
You enroll your baby within 2 months after birth.
The coverage is not canceled for 3 years.
All payments are settled.
How do I cover my baby?
Submit the application: You'll need their post-natal medical report, and the check-up reports ("U-Untersuchungen").
Confirm the application with your signature: you'll receive an invite to do so within 3 days of applying. If more information is needed, you will automatically receive a message.
Get the confirmation via email: the coverage is usually confirmed within 5 business days. All confirmation documents will be uploaded to your account automatically.
When does the coverage start?
You can get coverage for your newborn from the day they're born, as long as you meet the Type I requirements. If you miss the 2-month window after birth, the coverage can still be backdated for up to 2 months.
As it may take a few days to get your baby covered, we recommend paying the bills out-of-pocket first. Once your baby's coverage is confirmed, simply submit all bills through your account. You will be reimbursed within 1-3 weeks.
If your baby has health issues at birth, they will be covered in any case if they meet the Type I requirements. Otherwise, risk surcharges may apply. In that case, we'll check all possible alternatives for you.