Pregnancy and birth

Home

Health insurance in Germany

Basic information about the German health system

Pregnancy and birth

Pregnancy and a new baby mark an exciting new chapter in your life. We offer a wide range of benefits and online services focusing on pregnancy, birth and family life. Let us take care of your insurance arrangements so you can focus on taking care of your new arrival.

Pregnancy benefits

You are entitled to medical care by doctors and midwives during pregnancy, childbirth, and in the days afterwards.

Our cover and services for families

We cover the costs of comprehensive health care for pregnant insurees by statutory health insurance doctors and midwives.

Full answer

You have several options: you can choose to deliver your baby in a hospital, a birth centre or at home. A midwife is always your primary contact person.

Full answer

One option to find a midwife is to consult your gynaecologist. Midwifery units, birth centres and hospitals can also provide referrals and contact information. Or you can use the Hebammensuche [midwife search service] offered by the Spitzenverband der Krankenkassen [German National Association of Statutory Health Insurance Funds] (only available in German).

Full answer

During the period of maternity protection employees receive maternity pay of up to 13 EUR per calendar day. The difference up to your net salary will be covered by your employer. This provides you with adequate financial security.

Full answer

Mothers and fathers are entitled to claim parental benefits as soon as their child is born. Your local Elterngeldstelle [Parental benefits office] will assist you. We will automatically send you all the necessary certificates.

Full answer

Family cover for children is on a non-contributory basis. Children who are covered enjoy the same range of TK benefits as members.

Full answer

You can create this certificate easily and securely in "Meine TK" using the German-language online service "Allgemeine Versicherungsbescheinigung" [general insurance certificate]. Select the family member covered by your insurance and download the certificate of insurance. Alternatively, you can call us on

+49 40 - 46 06 62 53 00

and request the certificate by phone.

Full answer

You receive child sick pay if certain requirements are met. Find out the details here before applying.

Full answer

We pay employees 90 per cent of their lost net income. For self-employed insurees we pay 70 per cent of their daily earned income.

Full answer

New legislation that applied for 2024 and 2025 will continue in 2026.

Full answer

We cover 50 percent of the treatment costs for the married partner insured with TK. This also applies to the medications prescribed in connection with the treatment. Our share is billed directly via the eHealth card. We also offer a further range of additional benefits.

Full answer