Frequently asked questions
Spouses, registered partners and, up to certain age limits, children are insured without additional contributions if they
- are not self-insured
- usually reside in Germany and
- their total income does not exceed euros (2026) per month. Exception: For income from a mini-job, the limit is euros (2026) per month.
- until the age of 18 or
- up to the age of 23 if they are not gainfully employed or
- up to the age of 25 if they are in school or vocational training or are doing a voluntary social year (without pay), possibly extended by the statutory military or civilian service.
Disabled children are insured without age limit if they are unable to support themselves due to their disability. The disability must have already occurred during an entitlement to family insurance. Children also include stepchildren and grandchildren whom the member mainly supports, foster children who live in a permanent domestic relationship with the foster parents and adopted children and foster children for adoption if they are to be adopted with the consent of their natural parents and already live in a domestic relationship with the member.
Even if your spouse is a member of another health insurance fund, your children can still be insured with us. Exception: If the parent with the higher income in a married couple is not covered by statutory health insurance and his or her income is above the relevant compulsory insurance limit, we are not allowed to insure the children as family members.
- of employment – including the expected one-off payments such as Christmas bonuses,
- a self-employed activity,
- Letting and leasing,
- Capital assets,
- pensions – including surviving dependants’ pensions – and
- taxable maintenance payments.
Co-insured family members will then also receive all medical benefits provided by BKK W&F. We issue separate health insurance cards for this purpose, which family members can use to visit a doctor and receive treatment.
All statutory health insurance funds are obliged to check the insurance status of family members insured free of charge on an annual basis. The health insurance funds will only receive money for their care from the health fund if the relevant evidence is complete.
If the questionnaire is not submitted, the regulatory authority will remove the relevant insurance period. This will result in a gap in your family members’ insurance history.
We are therefore also dependent on your support: If you receive a questionnaire, please fill it out and send it back to us.
In the future, you’ll also be able to enter the same information online via our “Meine BKK W&F OGS” portal or on our website. This is faster, and you’ll see right away that we’ve received your response. We’ll provide more information about this in your next questionnaire. The paper-based option will remain available—both methods are equally valid.
You can download the family insurance application form below from the “Downloads” section, fill it out, and send it to us.
Applying through our online office, “Meine BKK W&F OGS,” is faster, easier, and more sustainable, Here you can submit your application directly in the app.
