We are experts for childrens’ private health insurance in Germany

So how can we help? We are familiar in assisting expats in Germany with regards to health insurance issues for your new born baby and your child(ren)

Public or Privat health insurance?

This is effectively a straightforward process. Your health insurance company is legally obliged to insure your newborn, regardless of its state of health. If you are both members of the German public health insurance system (Gesetzliche Krankenversicherung), then your baby can obtain cover through the family-insurance (Familienversicherung) free of charge.

  • If you have a private health (Private Krankenversicherung) insurance contract, than babies also need to have a private health insurance contract of their own, which would be at your own cost.
  • If you are a couple and not members in the same system, then it is more complicated. However, the easiest way to navigate this is, firstly, are you married?
  • If not, the baby needs to be insured in the same system as the child´s mother. In that case the insurance status of the dad dad to be is not crucial.
  • If so, then it is determined by the following information:

Is one of you already covered in the private system?

  • If yes, then the baby can´t be insured in the public system free of charge, at least in general. In detail it depends on a number of factors, i.e: your income and who is the higher earner.
  • If the spouse in the private system earns less than the other one, things may be diffrent.

We´re happy to answer any questions regarding this according to your personal situation.

Existing insurance company or a different one?

There is no real advantage of having all contracts with the same company. There is no family discount or similar in the private health insurance sector. However, not every company is willing to insure children of parents who are covered elsewhere with alternative providers.  The standard way is to notify your contract partner (or through us, if you wish to receive a cash back) and they will have to insure your baby immediately (as they are obliged to do so).

Only in the case of:

  1. you not being satisfied with your monthly fee and/or the benefits of your current insurance and
  2. your child being completely healthy at birth

we can offer you some attractive insurance alternatives of providers within the market.   

In all other cases there is a solid reason to stick with your company. Some of these reasons could be as follows:

  1. Their obligation to cover any “risks”.
  2. They are legally obliged to insure babies of their customers regardless of the health status of the baby (as long as the insured parent has had a valid contract with them for at least three months before the birth and that you will notify them within two months after the birth of your child).

We´re happy to answer any questions regarding this according to your personal situation.

Cash back for you

It is mandatory for you to have health insurance in place for your baby. Therefore, there is at least one company in the market that has to insure your baby. In any case someone will receive a commission for the inclusion of a private insurance for your baby or potentially from adding them to an existing policy.  If you notify the private insurance company through us, we will receive a commission of somewhere in the region of 7-8 times of your monthly contribution.  This we will then share 50:50 with you. This could amount to anything from 250 to 500 Euros cashback for you within six to eight weeks after the birth of your child. We’re sure you’ll agree that this is a welcome payment to receive and could really help give your newborn a good start.

Call or write to us in English for further information or with any queries you may have.

We are happy to assist and answer all your questions. And of course we will guide you through the full process.

02171 404104

Monday- Friday from 9 a.m. to 8 p.m.
Consultancy is free of charge.

We are happy to help

Request your child private health insurance with cashback. We advise you free of charge and without any obligation.

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