Family Insurance Over the Spouse in Germany

Non-working spouses and children with income below €556/month (2026) join GKV Familienversicherung under § 10 SGB V — free of charge with DAK-Gesundheit. The main earner pays 17.8% of gross alone; dependents are covered at no extra cost.

€556/month for spouses and children (§ 10 SGB V). Mini-jobs up to €556/month count; anything above triggers own membership at 17.8% of gross via DAK-Gesundheit or Care Expatriate from €58/month for private cover.

Yes — until age 18, or 25 if in education. § 10 SGB V grants free Familienversicherung with DAK-Gesundheit as long as one parent is a GKV member and the child's income stays below €556/month.

Each family member has their own premium: from €58/month (18–29) up to €496/month (65–74 XL). Yes, but not for free. Care Expatriate accepts spouses and children under one policy but bills per person under § 5 AufenthG.

The spouse must join GKV independently at 17.8% of gross (DAK-Gesundheit) or opt for PKV/Care Expatriate above the JAEG €77,400/year. Familienversicherung under § 10 SGB V ends automatically once income exceeds the threshold.

Yes – if your spouse lives in Germany, earns below 505 euros per month, and is not self-employed full-time, they can be covered free of charge under your statutory health insurance. The DAK Gesundheit for employees (from 17.8 % of gross salary) includes family insurance at no extra cost.

During the transition, Care Economy (from 30 € / 30 days) provides temporary coverage. Once the family insurance application is approved, the temporary policy can be cancelled.

A family of four can save over 5,000 euros per year. In the GKV (e.g. DAK Gesundheit), spouse and children are covered for free. In private insurance, each member needs a separate paid policy.