Health insurance benefits during pregnancy

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Health insurance in Germany

Basic information about the German health system

Pregnancy and birth

I'm pregnant. What benefits and expenses are covered by TK?

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

05.05.2025

More information on the pregnancy benefits we offer you find here:

Pregnancy Benefits

You'll find detailed despcriptions of all maternity benefits in the article linked above. In a nutshell, the range of benefits and expenses covered include:

Antenatal classes

Postnatal exercise classes

Delivery in either a hospital, a birth centre or at home

Home care after childbirth and domestic help if necessary

Medication containing iron, magnesium, folic acid, iodide

Related questions

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 per cent of the treatment costs for artificial insemination under certain conditions. This cover also extends to any medication prescribed in connection with this treatment. The share we cover is billed directly via the eHealth card.

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