What are the health insurance contributions for family members?

Home

Become a member

If you are insured with TK, for instance as an employee, self-employed individual or retiree, you can take out insurance free of charge for your family members. To cover your family members for free, please use the form below and return it to us. Details of the exemptions to free cover for family members are also given below.

16.01.2026

Quick access

Non-contributory Dependants Insurance

Contact

Free health care for family members

The following family members can be included free of charge in your insurance cover:

your married partner or civil partner in accordance with the Lebenspartnerschaftsgesetz (LpartG) [German Civil Partnership Act]

biological and adopted children up to a certain age

children of children covered by dependants’ insurance

stepchildren and grandchildren who live with you in one household

stepchildren and grandchildren who live on their own and who depend primarily on you for their livelihood

foster children, unless you are caring for them in a professional capacity.

Exceptions from free family insurance

The following list describes cases in which family members cannot be covered for free:

family members who are primarily self-employed

those who have either been exempted from or who are not subject to compulsory insurance (e.g. mini-jobbers)

those with compulsory insurance cover, e.g. employees