Safeguarding your health insurance for the future with “Anwartschaft” [prospective entitlement]

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Safeguarding your health insurance for the future with “Anwartschaft” [prospective entitlement]

With prospective entitlement you secure your continued health insurance cover with TK upon your return to Germany after an extended period abroad. To apply, please fill in our PDF, print and sign it and send it to TK.

13.03.2025

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Application for prospective entitlement when staying abroad for a longer period of time

Prospective entitlement can be taken out

by employees of international organisations

by Heilfürsorge-Berechtigte [persons entitled to free medical welfare]

by development aid volunteers

by voluntary insurees

by family members under certain conditions

during prolonged stays abroad under certain conditions

during postings

Prospective entitlement starts on the day following your departure and ends on the day prior to your return to Germany.

Related questions

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

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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.

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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).

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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.

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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.

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

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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.

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

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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.

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

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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.

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