By family insurance in Germany the noncontributory collateral insurance is understood about relative (children, spouse, registered same sex life partnership) in the context of the legal health insurance.

The family insurance is noncontributory.

Conditions

In order to be allowed to be family-insured, must after "§ 10 of the fifth social legislation (health insurance) and similarly "§ 25 of the elften social legislation (nursing care insurance) the following conditions fulfilled to be.

1. The candidate is entitled to maintenance opposite an insured one, who is even member of the legal health insurance
2. The candidate has only small gross income,
   • 2005: up to 345,00 "€ in the month (a seventh of the base factor after SGB IV."§18)
   • 2005: up to 400,00 "€ in the month with a slightly remunerated activity (mini job).

To sideline independent ones applies

Income smaller than 805 "€

no employees liable to social security

Work time under 18 h weekly

Allowances like the not-repayable portion of student financial assistance scheme or according to federalfinanced scholarships or social security benefits such as care money after the elften social legislation are not considered here as incomes.

With children additionally one of the following criteria must be fulfilled:

• 18. Lebensjahr is not completed
• 23. Lebensjahr is not completed and the child is not gainfully employed
• 25. Lebensjahr is not completed and the child is in training or professional training or carries a voluntary social year out. An extension by the possibly carried out legal service is possible only here, if the training or professional training were interrupted or retarded by the service.

1. • the age limit is void, if the child applies after the ninth social legislation as handicapped unable is, to converse: A condition is that the handicap was present at one time, in which the child was insured.

Since the year 2005 the family insurance for several wives (Vielehe) is no longer possible in Germany. Further the admission of Enkelkindern was substantially simplified into the family insurance, about which above all young mothers, who are even still pupils or students, profit.

The family insurance is subordinate in relation to most obligation insurance:

• Person subject to compulsory insurance occupations, also occupation training against payment under the gross income specified above
• Receiver of unemployment pay (with unemployment pay II ith D exists. R. Requirement on family insurance over the household executive committee of the need community)
• Ill and nursing care insurance of the pensioners

Priority is the family insurance opposite:

• Freiwillige insurance
• Health insurance of the students/trainee

Left

• Federal Ministry for health and social safety device
• Decision of the Federal Social Court, judgement of 22. May 2003, B 12 KR 13/02 R, to the gross income and saver free allowance

Articles in category "Family insurance"

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