Category: Health Insurance
Choose the procedure you need
All procedures (6)
- Changing your Krankenkasse in Germany: the twelve-month rule and who cancels the old one
- Free family cover in Germany: who is included and when it lapses
- Germany’s five care grades: the points behind them and the six modules
- Healthcare for asylum seekers in Germany: what the law covers
- Sickness benefit in Germany: when it starts, stops and runs out
- Statutory or private? Who actually gets to choose in Germany
About this section
Health insurance in Germany is an obligation, not a choice, and Book V of the Social Code (SGB V) decides which one applies to you. Here: who falls under statutory cover and who may take private, the §5(11) rule that keeps non-EU students outside the fallback obligation, free family cover with its three cumulative conditions and the income ceiling tied to the reference value, switching Krankenkasse with the twelve-month binding period and the extraordinary right to leave when the supplementary rate rises, sick pay and the 78-week limit with the one-day gap that ends it, and the five care levels with the points that decide them.
-
Germany’s five care grades: the points behind them and the six modules
The assessment is arithmetic, not opinion — and one rule inside it changes the whole result.
-
Sickness benefit in Germany: when it starts, stops and runs out
What ends most sickness-benefit claims is not the time limit but a one-day gap.
-
Healthcare for asylum seekers in Germany: what the law covers
The gap between the two phases decides everything — including who gets a health card and who does not.
-
Changing your Krankenkasse in Germany: the twelve-month rule and who cancels the old one
The fund cannot refuse you, the binding period is twelve months, and the new fund cancels the old one for you. Plus the supplementary-contribution window that overrides the twelve months.
-
Free family cover in Germany: who is included and when it lapses
Full health cover at no extra contribution — and precise conditions that end it without anyone telling you.
-
Statutory or private? Who actually gets to choose in Germany
Most residents never had a choice. The real rule sits in §§ 5 and 6 SGB V.