Private health insurance (PKV) can cover your spouse and your biological or adopted children when they earn less than €603 per month and have no significant pre-existing health conditions. Children are covered by the same insurance as the higher-earning parent by default, so the cost depends on whether that parent has public health insurance (GKV) or private health insurance (PKV). If you already have a policy with Feather, you add dependents from that policy in your Feather account; if you are signing up for the first time, you request a quote, apply for yourself and each dependent, confirm the details with your signature, and receive the documents in your account, where all policies are managed together. Newborns can be added within 2 months of birth without a birth certificate or ID documents.
Who can I add to my private health insurance (PKV)?
Private health insurance (PKV) can cover your spouse and your biological or adopted children when they meet both of these conditions:
Their monthly income is less than €603.
They have no significant pre-existing health conditions.
Which parent's health insurance covers our children?
Children are covered by the same insurance as the higher-earning parent by default. What this costs depends on which insurance that parent has:
If both parents have public health insurance (GKV), or only the higher-earning parent has public health insurance (GKV), children are added at no additional cost.
If the higher-earning parent has private health insurance (PKV), children can either be added to private health insurance (PKV) or insured under public health insurance (GKV) for approximately €210 per month.
How do I add a family member to my private health insurance (PKV)?
How you add a family member depends on whether you already have a policy with Feather.
If you already have a private health insurance (PKV) policy with Feather, log into your Feather account, open your policy, and add your dependents directly from there.
If you are signing up for the first time, follow these steps:
Get a quote for yourself and your family to see an overview of the cost before you apply. If you are employed, the quote also shows how much your employer contributes.
Submit an application for yourself and for each dependent.
Confirm the application details. Within 2 business days, you receive an email asking you to confirm the details with your signature. We reach out automatically if any questions come up.
Receive your coverage. Once your policies are approved, all documents are available in your Feather account.
Does every family member need the same private health insurance (PKV) plan?
No. Each family member can choose a different plan, so you do not all need the same one.
Which documents and medical checks are needed to add a family member?
Children under age 6: their medical check-up reports (U-Untersuchungen) must be submitted with the application.
A medical exam is generally required only if the family member was not insured in the past 12 months or has certain health conditions.
How do I sign up my newborn for private health insurance (PKV)?
If you already have a private health insurance (PKV) policy with Feather, you can add your newborn within 2 months of their birth by logging into your Feather account, opening your private health insurance (PKV) policy, and adding them as a dependent. A birth certificate and ID documents are not required to confirm coverage.
You can contact our support team for more assistance or additional resources.