Employer Asks for Insurance Proof: What Must Foreign Employees Submit in Germany?

For PKV/Incoming employees above the JAEG €77,400/year, a Care Expatriate PDF certificate under § 257 SGB V is accepted from €58/month. The Mitgliedsbescheinigung from the Krankenkasse — DAK-Gesundheit issues it same-day (digital).

No — § 28a SGB IV requires the employer to file the SV-Meldung within 6 weeks — but HR needs the Mitgliedsbescheinigung before payroll can run. DAK-Gesundheit accepts online applications with instant PDF issuance.

Only if issued by a § 257 SGB V-recognized carrier. EU EHIC works for postings with A1 form; otherwise the employer needs a German GKV or approved Incoming certificate — Care Expatriate from €58/month is the standard for non-EU new hires.

The employee must register with DAK-Gesundheit (17. Travel insurance is not accepted as employer proof. 8% of gross) before payroll or provide a Care Expatriate certificate from €58/month. Otherwise § 202 SGB V registration is blocked.

Same day at DAK-Gesundheit — online application returns a PDF within minutes. The physical eGK follows within 1–2 weeks. Contribution 17.8% of gross starts with the first payroll under § 28a SGB IV.

Your employer needs a membership certificate (Mitgliedsbescheinigung) from your chosen statutory health insurer (GKV). This confirms your enrolment and is required for social security registration. The DAK-Gesundheit (from 17.8% of gross salary, unlimited duration) issues this certificate quickly after registration.

Yes, ideally before your start date. Your employer needs your health fund choice to complete social security registration. For the gap between arrival and job start, an incoming insurance like Care Economy (from €30/30 days, up to 2 years) provides coverage and a PDF certificate for immigration authorities.

Without a Mitgliedsbescheinigung, your employer cannot complete social security registration — which may delay salary payment. The immigration office (Ausländerbehörde) also requires continuous proof. An incoming policy like Care Economy (from €30/30 days) bridges the gap until statutory insurance starts.