How much is health insurance for a child in Germany

How much is health insurance for a child in Germany
Patrick Ott
Patrick Ott
Expert for insurance and finance
18. July 2022

Establishing and raising a family in Germany has many benefits and steps that should be considered. Important matters like children healthcare, kindergartens, schools, choosing a good doctor, transport, and so on; should be planned, if possible, before making the decision to move to Germany and even better, before your child is born. Therefore it's very important to learn what options do you have when it comes to healthcare and health insurances for children in Germany.

The healthcare system in Germany is known to be as one of the best on the planet. The vast majority of the citizens and residents of Germany are joined in the state-run public health insurance system. This makes possible that even a simple man with a job, to have access to a reliable health system, regardless of status and income.

Nevertheless, there are some private insurance providers as well and are mainly sought by the high-salaried community to seek more exclusive healthcare benefits than other people.

The German Law when it comes to children health insurance

German law makes it a compulsion for everyone to have health insurance coverage and the overall health insurance system is comprised of two parts - “statutory” or public health insurance (Gesetzliche Krankenversicherung) and private health insurance (Private Krankenversicherung). The kind of health insurance that you can seek is dependent on how much you earn.

So, if you earn less than €64,350/year, public health insurance is for you. If your earnings are less than that but you are a freelancer, you can opt for private health insurance. Similarly, if you make more than €64,350/year, then doors are pretty much open if you want to choose either private or public healthcare.

However, when it comes to children’s health insurance, the scenario is a bit different, and this article explains it in detail for you:

An Outline of Children’s Healthcare in Germany

Over 16% of Germany’s population are children and youth, making up around 13 million people in total, plus there are around 700,000 new births every year. Until the age of 12, those children who reside in cities are entitled to get healthcare from a pediatrician. In other cases, a general practitioner will look after your child’s healthcare.

health insurance for a child in Germany
Over 16% of Germany’s population are made of children and youth individuals.

When it comes to waiting times for children’s healthcare appointments, Germany has one of the lowest waiting times in Europe as most of the clinics can see your kid right on the same day. Not only that but you can also pick your preferred physician for your child’s treatment.

Until your child completes school, all diagnostics and therapies including psychotherapy, physiotherapy, speech therapy, and occupational therapy are free and get covered by public and private health insurance.

Accessing Healthcare for Children in Germany

As aforementioned, private, and public insurance can cover children in Germany. Although public insurance is free, however, if you have opted for private insurance, you need to have a personalized contract in order to pay out of pocket for your child’s healthcare. In case you and your partner or second parent use different insurance systems, then kids get covered by private insurance.

Children Older than 12 Years

If your child is older than 12 years, then you will be charged for prescription drugs which have a cost of €9.73 on average. The German government puts an allowance which is known as Kindergeld for such parents who have a low income and pays for their children until they are aged 18.

An Overview of Public Healthcare for Children in Germany

Germany has maintained a very advanced and efficient healthcare mechanism for the children, equipped with the latest equipment and highly qualified medical professionals. German public health insurance is also known as gesetzliche Krankenversicherung or GKV and is suitable for all residents including children. The public health insurers are called Krankenkassen and once you have opted for one of them, you can sign up your kids as dependents for their free-of-charge treatment. Under this policy, if you give birth, the insurer covers the entire associated charges.

There is a variety of children’s healthcare services that can be accessed through the public health system in Germany, this includes:

  • General check-ups, treatments, and vaccinations against disorders like Chickenpox, Hepatitis B, Polio, Measles, Mumps, and rubella (MMR).
  • The therapeutic care consists in physiotherapy, psychotherapy, occupational therapy and speech therapy.
  • Emergency and outpatient care.
  • Vaccinations against Hepatitis B, Chickenpox, Measles mumps, rubella and Polio.
Getting the child vaccine in Germany
All the important vaccines for kids are covered by any German health insurance.

Summary of Private Healthcare for Children in Germany

Private health insurance is also named private Krankenversicherung or PKV. PKV is used by only around 10% of the German population and mainly features high-salaried people, freelancers, business owners, or other self-employed individuals. If you have chosen private insurance, you will need to have a contract for your child which would work as your dependent and you would require to pay regular premium payments for it.

If you end up paying for any care or treatment for your child, your insurer is supposed to reimburse the amount to you. It is worth mentioning that there are various private insurers that also offer family packages or discounts for children which is the best option if you are not able to get the state health insurance. 

Private Healthcare for Children in Germany
If you end up paying for any care or treatment for your child, your insurer is usually supposed to reimburse the amount to you.

Average Cost of Children’s Health Insurance in Germany 

Social security or taxpayer’s contributions for public health insurance is 14.6% of your gross salary and half of it is paid by your employer. Each public healthcare insurer is permitted to charge an additional 1.7% which gets paid by the employer.

There is a cap on wages of €4,538, meaning that you will not have to pay more than €360 a month for public healthcare contributions. There’s a mandatory nursing care contribution of 3.05% if you have children which are shared by the worker and employer.

On contrary to that, the cost of private health insurance is not accurately regulated like public health and can vary in price. So, for a healthy child, you will be looking at €100 to €200 per month and for someone with risky health conditions, this could go up to €1,500 monthly.

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