Family insurance

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
• whose total income does not exceed euros (2025) per month. Exception: in the case of income from a mini-job, the limit is euros (2025) per month.

Für Ihre Kinder besteht die kostenfreie Familienversicherung

• 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.

Zum Gesamteinkommen zählen unter anderem folgende Einnahmen:

• 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.

Werbungskosten, Abschreibungen, Sparerfreibeträge und Beträge für Kindererziehungszeiten bei Renten zählen dagegen nicht dazu.

Also, co-insured family members then receive all medical benefits from BKK W&F. We issue our own health cards for this purpose, which family members can use to see 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.

Conversely, any insurance period for which no questionnaire has been returned will be canceled by the supervisory authority. This means that valuable premium money is lost.

We are therefore also dependent on your support: If you receive a questionnaire, please fill it out and send it back to us.

You can download the application for family insurance below under Downloads, fill it out and send it to us.

Applying via our online branch “Meine BKK W&F OGS” is faster, easier and more sustainable; you can submit the application directly in the app here.