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Health Insurance Registration — Expat Guide Germany (2026)

Quick Answer

What it is:: Health Insurance Registration — a healthcare procedure in Germany.
Deadline:: No strict deadline
Steps:: 5 steps
Cost:: Free
Documents:: 5 required
Legal basis:: SGB V §5

Important Deadlines

Must have health insurance from day 1 of employment

14d

Must register within 2 weeks of starting employment

Employer may face fines; retroactive premiums charged

Required Documents

✓Valid passport or ID
✓Employment contract or proof of income
✓Meldebestätigung (proof of address registration)
✓Previous insurance certificate (if switching providers)
✓Residence permit (for non-EU citizens)

Step-by-Step Guide

Choose between public (gesetzliche) and private (private) health insurance.

Pro tip: If your annual gross salary is below EUR 69,300 (2024 threshold), you MUST have public insurance. Above that or if self-employed, you can choose private.

For public: compare providers (TK, AOK, Barmer, DAK, etc.) — base rate is identical (~14.6% + supplementary), but service differs.

Pro tip: TK and Barmer are popular among expats for English-language service.

Apply online or at a branch office. You'll need your employment contract and passport.

Receive your insurance card (Versicherungskarte) within 2-3 weeks. You can visit doctors immediately with a provisional certificate.

Fees

Public insurance rate (employee share)Free

Average monthly public insurance premium (employee share at EUR 3,500 gross)EUR 280

Legal Basis

SGB V §5SGB V §193VAG §146

Also Known As

This procedure is commonly searched under these names:

Krankenversicherunghealth insuranceKrankenkasseGKVPKVpublic health insuranceprivate health insurancegesetzliche KrankenversicherungTKAOKBarmerDAKinsurance cardVersicherungskarteFamilienversicherungfamily insurance

Official Resources

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More Guides for 🇩🇪 Germany

→Address Registration (Anmeldung)→Residence Permit (Aufenthaltstitel)→Opening a Bank Account (Bankkonto)→Parental Allowance (Elterngeld)→Flight Delay/Cancellation Compensation (EU 261)→Child Benefit (Kindergeld)