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Common Letters from Your Krankenkasse

German health insurance companies (Krankenkassen) send letters regularly. Here's what the most common ones mean.

1. Beitragsbestätigung (Contribution Confirmation) Your annual confirmation of health insurance contributions — needed for your tax return. Keep this.

2. Beitragsanpassung (Contribution Adjustment) Notice that your monthly premium is changing. Usually happens January 1st. Check the new amount and update your budget.

3. Bonusprogramm (Bonus Program) Many Krankenkassen offer cashback for healthy activities (gym visits, check-ups, vaccinations). This letter explains what you qualify for.

4. Kündigungsbestätigung (Cancellation Confirmation) If you're switching insurers, this confirms your cancellation. Keep this — you need it to prove you're not double-insured.

5. Familienversicherung (Family Insurance) Confirmation of adding/removing family members from your plan. Important for partners and children.

Key Deadlines - Switching insurers: 2-month notice period after minimum 12 months - Tax return: Beitragsbestätigung needed by May 31st - Bonus claims: Usually must be submitted within the calendar year

*Got a letter from your Krankenkasse you can't read? Upload it to Clario for a plain-English explanation.*

Common Letters from Your Krankenkasse

German health insurance companies (Krankenkassen) send letters regularly. Here's what the most common ones mean.

1. Beitragsbestätigung (Contribution Confirmation) Your annual confirmation of health insurance contributions — needed for your tax return. Keep this.

2. Beitragsanpassung (Contribution Adjustment) Notice that your monthly premium is changing. Usually happens January 1st. Check the new amount and update your budget.

3. Bonusprogramm (Bonus Program) Many Krankenkassen offer cashback for healthy activities (gym visits, check-ups, vaccinations). This letter explains what you qualify for.

4. Kündigungsbestätigung (Cancellation Confirmation) If you're switching insurers, this confirms your cancellation. Keep this — you need it to prove you're not double-insured.

5. Familienversicherung (Family Insurance) Confirmation of adding/removing family members from your plan. Important for partners and children.

Key Deadlines - Switching insurers: 2-month notice period after minimum 12 months - Tax return: Beitragsbestätigung needed by May 31st - Bonus claims: Usually must be submitted within the calendar year

*Got a letter from your Krankenkasse you can't read? Upload it to Clario for a plain-English explanation.*

Decoding Your German Health Insurance Letters (GKV)

Common Letters from Your Krankenkasse

1. Beitragsbestätigung (Contribution Confirmation) Your annual confirmation of health insurance contributions — needed for your tax return. Keep this.

2. Beitragsanpassung (Contribution Adjustment) Notice that your monthly premium is changing. Usually happens January 1st. Check the new amount and update your budget.

3. Bonusprogramm (Bonus Program) Many Krankenkassen offer cashback for healthy activities (gym visits, check-ups, vaccinations). This letter explains what you qualify for.

4. Kündigungsbestätigung (Cancellation Confirmation) If you're switching insurers, this confirms your cancellation. Keep this — you need it to prove you're not double-insured.

5. Familienversicherung (Family Insurance) Confirmation of adding/removing family members from your plan. Important for partners and children.

Key Deadlines - Switching insurers: 2-month notice period after minimum 12 months - Tax return: Beitragsbestätigung needed by May 31st - Bonus claims: Usually must be submitted within the calendar year

Related Articles

Opening a Bank Account in Germany as an Expat (2026 Guide)

How to Understand Your Finanzamt Letter (Even If You Don't Speak German)

Elterngeld (Parental Allowance) in Germany: The Complete Expat Guide

Understand your documents in 30 seconds

Decoding Your German Health Insurance Letters (GKV)

Common Letters from Your Krankenkasse

1. Beitragsbestätigung (Contribution Confirmation) Your annual confirmation of health insurance contributions — needed for your tax return. Keep this.

2. Beitragsanpassung (Contribution Adjustment) Notice that your monthly premium is changing. Usually happens January 1st. Check the new amount and update your budget.

3. Bonusprogramm (Bonus Program) Many Krankenkassen offer cashback for healthy activities (gym visits, check-ups, vaccinations). This letter explains what you qualify for.

4. Kündigungsbestätigung (Cancellation Confirmation) If you're switching insurers, this confirms your cancellation. Keep this — you need it to prove you're not double-insured.

5. Familienversicherung (Family Insurance) Confirmation of adding/removing family members from your plan. Important for partners and children.

Key Deadlines - Switching insurers: 2-month notice period after minimum 12 months - Tax return: Beitragsbestätigung needed by May 31st - Bonus claims: Usually must be submitted within the calendar year

Related Articles

Opening a Bank Account in Germany as an Expat (2026 Guide)

How to Understand Your Finanzamt Letter (Even If You Don't Speak German)

Elterngeld (Parental Allowance) in Germany: The Complete Expat Guide

Understand your documents in 30 seconds