--- title: "17.8% gross · Foreign Employee Public Insurance Germany 2026" description: "Public health insurance for foreign employees in Germany under §5 SGB V: DAK-Gesundheit at 17.8% of gross (split with employer), free family cover, Blue." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Public Health Insurance for Foreign Employees in Germany – Registration and Contributions", "description": "Public health insurance for foreign employees in Germany under §5 SGB V: DAK-Gesundheit at 17.8% of gross (split with employer), free family cover, Blue.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-09", "dateModified": "2026-09-03", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "GKV-Spitzenverband", "url": "https://en.wikipedia.org/wiki/Statutory_health_insurance" }, { "@type": "Thing", "name": "Private Krankenversicherung (Private health insurance in Germany)", "url": "https://en.wikipedia.org/wiki/Health_insurance_in_Germany" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Bundesagentur für Arbeit", "url": "https://en.wikipedia.org/wiki/Federal_Employment_Agency" }, { "@type": "Thing", "name": "Ausländerbehörde", "url": "https://en.wikipedia.org/wiki/Foreigners%27_authority" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Foreign Employees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/" }, { "@type": "ListItem", "position": 3, "name": "Public Insurance for Employees in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Schengen-ready in 3 steps", "description": "Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Pick the right plan", "text": "Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays." }, { "@type": "HowToStep", "position": 2, "name": "Apply online", "text": "Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required." }, { "@type": "HowToStep", "position": 3, "name": "Submit your proof", "text": "Receive the PDF certificate after successful online application and submit it with your visa or authority documents." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "Do foreign employees need statutory health insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — mandatory for all employment contracts above €556/month (mini-job threshold 2026) under § 5 Abs. 1 Nr. 1 SGB V. Contribution: ~17.8% of gross, split ~8.9% employer / ~8.9% employee. Family insurance (§ 10 SGB V) free for spouse and children." } }, { "@type": "Question", "name": "Which GKV fund is best for foreign employees in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "DAK-Gesundheit — €135.52/month equivalent single rate, English customer service, Fit&Travel add-on free under 39, Garantietarif saves €120/year with same benefits as standard tariff. Recognised by all employers and the Ausländerbehörde." } }, { "@type": "Question", "name": "Can foreign employees choose private insurance instead of GKV in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Only above the JAEG threshold (€77,400/year gross in 2026). Below it, GKV is mandatory (§ 6 SGB V). Above it, Care Expatriate from €58/month is a private alternative — but re-entry into GKV is difficult, weigh carefully." } }, { "@type": "Question", "name": "How much does statutory health insurance cost for a foreign employee earning €50,000?", "acceptedAnswer": { "@type": "Answer", "text": "€50,000 × 17.8% / 12 = €741.67/month total, split €370.83 employer / €370.83 employee. Below the JAEG cap of €77,400 in 2026, so PKV is not an option — GKV is mandatory." } }, { "@type": "Question", "name": "Does GKV cover family members of foreign employees in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes — Familienversicherung (§ 10 SGB V) is free for spouse (income <€556/month) and children up to age 18 (25 if studying, 23 if not working). Adds no cost to the employee's ~8.9% contribution. Parents are not eligible for Familienversicherung." } }, { "@type": "Question", "name": "What health insurance do foreign employees need in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Employed workers in Germany with a regular employment contract are typically required to join the public health insurance system (GKV). Your employer registers you and pays half the premium. You can choose any statutory health fund — DAK-Gesundheit offers the Garantietarif 120, saving €120/year. The insurance certificate is issued directly by your chosen health fund." } }, { "@type": "Question", "name": "Do I need insurance before my job starts in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. GKV coverage only starts on your first working day. If you arrive in Germany before that, you need transition insurance for medical coverage. Care Economy (from €30/30 days) covers this gap with an instant PDF proof of insurance for immigration authorities." } }, { "@type": "Question", "name": "How much does statutory health insurance cost for employees in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "The total GKV rate is approximately 17.8% of gross salary (including supplementary contribution). You pay roughly 8.9% — your employer covers the other half. For a gross salary of €3,000/month, your share is approximately €267/month including long-term care insurance. This mandatory insurance covers outpatient, inpatient, and prescription drug costs." } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do foreign employees need statutory health insurance in Germany?", "text": "Do foreign employees need statutory health insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — mandatory for all employment contracts above €556/month (mini-job threshold 2026) under § 5 Abs. 1 Nr. 1 SGB V. Contribution: ~17.8% of gross, split ~8.9% employer / ~8.9% employee. Family insurance (§ 10 SGB V) free for spouse and children.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Which GKV fund is best for foreign employees in Germany?", "text": "Which GKV fund is best for foreign employees in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "DAK-Gesundheit — €135.52/month equivalent single rate, English customer service, Fit&Travel add-on free under 39, Garantietarif saves €120/year with same benefits as standard tariff. Recognised by all employers and the Ausländerbehörde.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can foreign employees choose private insurance instead of GKV in Germany?", "text": "Can foreign employees choose private insurance instead of GKV in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Only above the JAEG threshold (€77,400/year gross in 2026). Below it, GKV is mandatory (§ 6 SGB V). Above it, Care Expatriate from €58/month is a private alternative — but re-entry into GKV is difficult, weigh carefully.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does statutory health insurance cost for a foreign employee earning €50,000?", "text": "How much does statutory health insurance cost for a foreign employee earning €50,000?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "€50,000 × 17.8% / 12 = €741.67/month total, split €370.83 employer / €370.83 employee. Below the JAEG cap of €77,400 in 2026, so PKV is not an option — GKV is mandatory.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does GKV cover family members of foreign employees in Germany?", "text": "Does GKV cover family members of foreign employees in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes — Familienversicherung (§ 10 SGB V) is free for spouse (income <€556/month) and children up to age 18 (25 if studying, 23 if not working). Adds no cost to the employee's ~8.9% contribution. Parents are not eligible for Familienversicherung.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What health insurance do foreign employees need in Germany?", "text": "What health insurance do foreign employees need in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Employed workers in Germany with a regular employment contract are typically required to join the public health insurance system (GKV). Your employer registers you and pays half the premium. You can choose any statutory health fund — DAK-Gesundheit offers the Garantietarif 120, saving €120/year. The insurance certificate is issued directly by your chosen health fund.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Do I need insurance before my job starts in Germany?", "text": "Do I need insurance before my job starts in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. GKV coverage only starts on your first working day. If you arrive in Germany before that, you need transition insurance for medical coverage. Care Economy (from €30/30 days) covers this gap with an instant PDF proof of insurance for immigration authorities.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "How much does statutory health insurance cost for employees in Germany?", "text": "How much does statutory health insurance cost for employees in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The total GKV rate is approximately 17.8% of gross salary (including supplementary contribution). You pay roughly 8.9% — your employer covers the other half. For a gross salary of €3,000/month, your share is approximately €267/month including long-term care insurance. This mandatory insurance covers outpatient, inpatient, and prescription drug costs.", "url": "https://www.krankenversicherung-auslaender.de/en/health-insurance-foreign-employees-germany/statutory-health-insurance-foreign-employees-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-03", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [DAK-Gesundheit 17.8% of gross (open-ended) ](/en/insurance-plans/dak-gesundheit-angestellte/overview/) 1. [Home](/en/) 2. [Foreign Employees in Germany](/en/health-insurance-foreign-employees-germany/) 3. Public Insurance for Employees in Germany # Public Health Insurance for Foreign Employees in Germany – Registration and Contributions Sources: § 5 Abs. 1 Nr. 1 SGB V (employee GKV mandate) · § 10 SGB V (free Familienversicherung) · JVEG 2025: €77,400/year (private opt-out threshold) · § 28a SGB IV (employer registration) · DAK-Gesundheit Beitragssatz 2025 · Care Expatriate AVB · HanseMerkur Versicherungsgruppe Hamburg **Foreign employees on a regular German employment contract earning under €77,400 per year (the 2025 JVEG threshold) are mandatorily insured in the statutory system (GKV) under § 5 Abs. 1 Nr. 1 SGB V.** This applies to skilled workers, IT specialists, engineers, nurses, hospitality and retail staff. The recognised carrier is DAK-Gesundheit at 17.8% of gross salary — split equally between you and your employer (8.9% each) plus the carrier-specific Zusatzbeitrag (~1.7% in 2025). The standard solution is [DAK-Gesundheit Angestellte at 17.8% of gross](/en/insurance-plans/dak-gesundheit-angestellte/overview/) with free Familienversicherung for spouse and children whose own income stays below €535/month (§ 10 SGB V). Earners above €77,400/year may opt out into [Care Expatriate from €58/month](/en/insurance-plans/care-expatriate/overview/) — the opt-out is irreversible during the same employment. Below: how the JVEG €77,400 opt-out threshold works, the four documents your employer files with DAK on day one, the full DAK contribution table, the Blue Card specialist route via Care Expatriate, and the bridge via Care Economy if you arrive in Germany before your first contract starts. Statutory Health Insurance DAK-Gesundheit for employees in Germany Employer Proof Membership confirmation for employer and required documents Health Card Your health insurance card follows after membership setup ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 3, 2026** Sources§ 5 Abs. 1 Nr. 1 SGB V · § 10 SGB V · JVEG 2025 · § 28a SGB IV · DAK-Gesundheit · Care Expatriate AVB · HanseMerkur Versicherungsgruppe Hamburg 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## First German payroll starting? Lock in the recognised statutory carrier. [DAK-Gesundheit 17.8% of gross (open-ended) ](/en/insurance-plans/dak-gesundheit-angestellte/overview/)[Care Expatriate (Blue Card / >JVEG) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - Foreign employees on a regular German employment contract under €77,400/year (JVEG 2025) are GKV-mandatory under § 5 Abs. 1 Nr. 1 SGB V — DAK-Gesundheit at 17.8% of gross is the standard. - The contribution is split equally: 8.9% employee + 8.9% employer (plus the carrier-specific Zusatzbeitrag, ~1.7% in 2025). Family insurance for spouse and children up to €535/month is free. - Earners above €77,400/year (Blue Card specialists, senior managers) may opt out and choose Care Expatriate from €58/month — this is irreversible during the same employment. Key facts at a glance Reviewed September 3, 2026 - **DAK-Gesundheit contribution rate (2025):** 17.8% of gross salary — 8.9% employee + 8.9% employer. Plus the DAK Zusatzbeitrag (~1.7% in 2025), also split equally. No premium for spouse and children under § 10 SGB V. (Source: DAK-Gesundheit Beitragssatz 2025 · § 249 SGB V). - **JVEG private opt-out threshold (2025):** €77,400 gross per year. Only employees above this line may switch to private cover (Care Expatriate from €58/month). The opt-out is irreversible during the same employment relationship. (Source: Jahresarbeitsentgeltgrenze 2025 (BMG) · § 6 Abs. 1 Nr. 1 SGB V). - **Free Familienversicherung income limit (2025):** Spouse and children stay free in GKV as long as their own monthly income remains below €535 (Mini-Job threshold §-aligned). Above this line they need separate cover. (Source: § 10 SGB V · BMAS Geringfügigkeitsgrenze 2025). - **Employer registration deadline:** Under § 28a SGB IV the employer must register every new employee with the chosen GKV carrier within 6 weeks of the first day of work — the eGK chip card is then issued within ~2 weeks. (Source: § 28a SGB IV · Datenerfassungs- und -übermittlungsverordnung). ## Four mistakes that delay your German GKV enrollment **Quick answer:** "Why is my eGK chip card not arriving?" — most foreign employees stumble on one of four points: never told the employer which GKV carrier to use (defaults to a random local AOK), opted out into private cover at <€77,400 (not allowed under § 6 Abs. 1 Nr. 1 SGB V), arrived without an interim policy and tried to enrol in GKV before the contract start date, or skipped the address registration (Anmeldung) which DAK needs for the eGK delivery. Choosing DAK-Gesundheit on day one removes all four by default. ## Avoid the mistakes that can delay your application ### Employer needs proof DAK-Gesundheit can provide membership confirmation for a social-security-covered job in Germany. ### Contribution split matters In statutory employee coverage, the employer generally pays half of the health insurance contribution. ### Family coverage has conditions Spouse and children may be covered under statutory family insurance only if the requirements are met. ### Health card comes later Membership confirmation comes first; the health insurance card follows after membership setup. ## What happens if your GKV registration is missed ## One wrong insurance choice can cost you money, time and your application deadline A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start. 🏥 €500–€1,500 Emergency doctor visit One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added. 🏨 €2,000–€10,000+ Hospital treatment If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros. 💼 Wrong insurance route Visitor cover is not employee cover Employees with a social-security-covered job usually need statutory health insurance and employer proof — not visitor insurance. - Wrong or incomplete proof can delay your visa, enrollment or authority process. - Cheap home-country policies may miss the exact coverage, dates or repatriation wording required. - The cheapest policy can become expensive if it is the wrong proof for your situation. Before you apply, check: coverage amount, validity dates, destination area and repatriation cover. ## First day of work is fixed — pick your GKV carrier first ## Why act before your job starts Employers often need membership confirmation before payroll and onboarding. Visitor insurance is usually not the right route for a German employee job. 💼 Employer proof needed DAK-Gesundheit can provide membership confirmation for social-security-covered jobs in Germany. 📄 Wrong route wastes time Employees usually need statutory health insurance and employer details, not visitor coverage. ⚡ Health card follows later Membership confirmation comes first; the health insurance card follows after setup. 👨‍👩‍👧 Family coverage has rules Spouse and children may be covered only if statutory requirements are met. ## From signed contract to active eGK card — in 3 steps 10 minutes online with DAK-Gesundheit. Your employer files the registration via § 28a SGB IV; the eGK chip card arrives within 2 weeks. Cover starts on the first day of your employment contract. ## Schengen-ready in 3 steps Proof of insurance for Schengen visa applications, including the €30,000 minimum-coverage requirement. 1. 1 🎯 Pick the right plan Care Visa Protect for short Schengen stays · Care Economy for the Opportunity Card or longer visitor stays. 2. 2 📝 Apply online Enter passport, travel dates and destination. For Care Visa Protect, purchase before entry when required. 3. 3 ✅ Submit your proof Receive the PDF certificate after successful online application and submit it with your visa or authority documents. ## What foreign employees say about DAK-Gesundheit on the first day of their German contract 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 5/5 > “My biggest worry was that the embassy wouldn't accept the insurance. > The proof was accepted immediately — no questions asked. > That saved me a lot of stress.” ![Georges from Cameroon](/assets/georges-kamerun-C6GQZGzu.jpg) Georges Cameroon “ 5/5 > “I needed proof of insurance urgently for my visa appointment. > The confirmation arrived within minutes by email. > Everything worked first time at the embassy.” ![Olga from Russia](/assets/olga-russland--B_6p7O-.jpg) Olga Russia “ 5/5 > “Found the best solution and best service for health insurance for foreign visitors and guests in Germany. > Fast, simple and affordable. > Highly recommended!” ![Michael from Germany](/assets/michael-deutschland-CFcwSzJg.jpg) Michael Germany “ 5/5 > “The online sign-up was done in just a few minutes. > When I actually had to see a doctor, the billing went smoothly. > I was really covered — not just on paper.” ![Yunhee from Australia](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended tariffs for foreign employees in Germany 🎯 Standard · GKV employee mandate ### DAK-Gesundheit Employees currently 17.8% of gross income (employer pays half · plus long-term care insurance) For foreign employees with a social-security-covered job in Germany - Statutory health insurance for employees in Germany - Employer pays half of the health insurance contribution - Family coverage for spouse & children may be possible under statutory rules - Doctor, dentist, hospital, pharmacy & prescription medication coverage - Health insurance card for medical treatment in Germany - EU/EEA coverage via the European Health Insurance Card - Save €120 per year with DAK Garantietarif 120 possible - Optional: DAK Fit & Travel with additional benefits up to age 39 - Mandatory long-term care insurance also applies - Reputable statutory health insurance provider Why DAK-Gesundheit? For foreign employees in Germany who need statutory health insurance with a health insurance card, employer contribution and possible family coverage. Why statutory health insurance as an employee? More security in everyday working life in Germany: the employer pays half, family members may be covered free of charge under certain conditions, and medical treatment is handled easily through the health insurance card. - 🏛️ DAK-Gesundheit - 📄 Membership certificate for employers & authorities - 🔒 Doctor, dentist, clinic, pharmacy & prescription medication - 🏷️ Currently 17.8% of gross income · employer pays half [DAK-Gesundheit – Quick Overview](/en/insurance-plans/dak-gesundheit-angestellte/plan-details/) [Apply online now](/en/insurance-plans/dak-gesundheit-angestellte/apply/) → Complete the application, start your membership, receive your health insurance card 🛟 Blue Card · >€77,400/yr ### Care Expatriate from only €58.00 / month (coverage up to 5 years) For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof Between contracts and need cover during the job search? [Job-search insurance guide](/en/health-insurance-foreign-employees-germany/health-insurance-at-job-search-in-germany/). On a short harvest or hospitality contract under 70 days? [Seasonal-worker cover via Care 01 from €0.39/day](/en/health-insurance-foreign-employees-germany/health-insurance-for-seasonal-workers-in-germany/). For broader guidance see the [foreign-employees hub](/en/health-insurance-foreign-employees-germany/). ## DAK-Gesundheit — full contribution table by gross salary **Quick answer:** DAK-Gesundheit Angestellte: 17.8% of gross salary (split 8.9% / 8.9% with the employer) plus the DAK-specific Zusatzbeitrag (~1.7% in 2025). The full contribution table below shows the exact monthly amount for every gross-salary bracket up to the JVEG threshold of €77,400. DAK-Gesundheit for employees (statutory) General contribution rate 14.6 % of gross \+ 3.2 % DAK supplement = 17.8 % Employer / employee share 8.9 % each Paid 50/50 Compulsory long-term care approx. 3.6 % standard 4.2 % childless from age 23 · reductions depending on number of children Total (incl. care, childless) ≈ 22.0 % of gross Depending on long-term care variant Family co-insurance possible Spouse & children covered under statutory conditions Sickness pay (Krankengeld) from day 43 70 % of gross, max 78 weeks Compulsory insurance limit (JAEG) €77,400 / year \= €6,450 / month (as of 2026) Income-based No flat rate — contribution scales with gross salary Family covered free Spouse without income + children co-insured Mandatory under JAEG Gross < €77,400 / year → statutory insurance required 2026 contribution rates: 14.6 % general + 3.2 % DAK supplement = 17.8 %; split 50/50 between employer and employee (8.9 % each). Compulsory long-term care approx. 3.6 % standard, 4.2 % childless from age 23, reductions depending on number of children. Family co-insurance possible under statutory conditions. As of 2026. [DAK Employees — Overview](/en/insurance-plans/dak-gesundheit-angestellte/overview/) [Apply for membership](/en/insurance-plans/dak-gesundheit-angestellte/overview/) ## Care Expatriate — opt-out for Blue Card specialists above €77,400/year **Quick answer:** Earning above the JVEG threshold of €77,400/year? You may opt out into private long-term Incoming cover. Care Expatriate from €58/month (ages 13–40) is the recognised choice — the opt-out is irreversible during the same employment, so confirm with HR first. Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ## Frequently asked questions about statutory cover for foreign employees in Germany ## Frequently Asked Questions Do foreign employees need statutory health insurance in Germany? Yes — mandatory for all employment contracts above €556/month (mini-job threshold 2026) under § 5 Abs. 1 Nr. 1 SGB V. Contribution: ~17.8% of gross, split ~8.9% employer / ~8.9% employee. Family insurance (§ 10 SGB V) free for spouse and children. Which GKV fund is best for foreign employees in Germany? DAK-Gesundheit — €135.52/month equivalent single rate, English customer service, Fit&Travel add-on free under 39, Garantietarif saves €120/year with same benefits as standard tariff. Recognised by all employers and the Ausländerbehörde. Can foreign employees choose private insurance instead of GKV in Germany? Only above the JAEG threshold (€77,400/year gross in 2026). Below it, GKV is mandatory (§ 6 SGB V). Above it, Care Expatriate from €58/month is a private alternative — but re-entry into GKV is difficult, weigh carefully. How much does statutory health insurance cost for a foreign employee earning €50,000? €50,000 × 17.8% / 12 = €741.67/month total, split €370.83 employer / €370.83 employee. Below the JAEG cap of €77,400 in 2026, so PKV is not an option — GKV is mandatory. Does GKV cover family members of foreign employees in Germany? Yes — Familienversicherung (§ 10 SGB V) is free for spouse (income <€556/month) and children up to age 18 (25 if studying, 23 if not working). Adds no cost to the employee's ~8.9% contribution. Parents are not eligible for Familienversicherung. What health insurance do foreign employees need in Germany? Employed workers in Germany with a regular employment contract are typically required to join the public health insurance system (GKV). Your employer registers you and pays half the premium. You can choose any statutory health fund — DAK-Gesundheit offers the Garantietarif 120, saving €120/year. The insurance certificate is issued directly by your chosen health fund. Do I need insurance before my job starts in Germany? Yes. GKV coverage only starts on your first working day. If you arrive in Germany before that, you need transition insurance for medical coverage. [Care Economy](/en/insurance-plans/care-economy/overview/) (from €30/30 days) covers this gap with an instant PDF proof of insurance for immigration authorities. How much does statutory health insurance cost for employees in Germany? The total GKV rate is approximately 17.8% of gross salary (including supplementary contribution). You pay roughly 8.9% — your employer covers the other half. For a gross salary of €3,000/month, your share is approximately €267/month including long-term care insurance. This mandatory insurance covers outpatient, inpatient, and prescription drug costs. 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Employment contract signed? Pick the recognised statutory carrier today. [DAK-Gesundheit 17.8% of gross (open-ended) ](/en/insurance-plans/dak-gesundheit-angestellte/overview/)[Care Expatriate (Blue Card / >JVEG) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: September 3, 2026.