Can family members be included in student insurance?

No, student insurance is for one person only — spouse and children must be insured separately. However, with Familienversicherung (family insurance), registration is possible free of charge under certain conditions.

#Conditions for Familienversicherung

#For Spouse

• Resides in Germany
• Monthly personal income below 535 € (2026 limit)
• Not legally insured in Germany (yet)
• No age limit for spouse

#For Child

Resides in Germany Age limit:

• Under 25 + student → free
• Under 23 + not working → free
• Under 18 → free (in all cases) Monthly personal income below 535 €

#How to Open Free Family Insurance?

#Registration with your GKV

• Your spouse / child is added to your insurance (familienversichert)
• You do not need to pay additional premiums — family insurance is completely free
• Spouse or child receives the same card number (Insurance card is personal)

#Application Process

1. Call GKV (TK, AOK, Barmer) customer service
2. Request the Familienversicherung application form
3. Submit the following documents:
   • Marriage certificate (sworn translation + Apostille)
   • Spouse/child passport + visa/residence permit
   • Anmeldung of spouse/child (registered in Germany)
   • Income statement (if spouse has no salary, "0 € statement")

If spouse is working (Werkstudent + income above 535 €) → Family insurance is cancelled, spouse must switch to their own insurance.

#Paid Alternatives

#Spouse's own GKV

• Spouse works + earns above 535 € → pays their own GKV fee
• Monthly premium: 131-180 € (if student tariff) or employee tariff (based on salary)

#PKV for Spouse

• Over 30 + not working in Germany → PKV possible but expensive (200-300 €/month)
• PKV is sometimes required for family reunification visa

#Private Insurance for Child

• Child insurance under PKV 50-150 €/month (depending on tariff)

#Family Reunification Insurance Strategy

#You live in Germany → You are in GKV

1. Invite spouse/child (Familienzusammenführung visa)
2. They come to Germany after the visa is obtained
3. After Anmeldung → Apply for family insurance with your GKV
4. Familienversicherung is opened within 1-2 weeks → free

#If Spouse will work as a Werkstudent

• Below 535 € (Mini-Job) → family insurance remains, free
• Above 535 € → family insurance is cancelled, spouse gets their own insurance

#Important Notes

• If spouse is working (Vollzeit, not Mini-Job): Spouse is automatically included in their own insurance
• Child is a Universität student (in Germany): Opens their own insurance (131 €/month)
• Divorce: Familienversicherung is cancelled, spouse switches to their own insurance

#Family Member Without GKV in the Past

If spouse is coming from Turkey, visa insurance must be obtained first:

1. Hanse Merkur Visa Protect (separate policy for spouse) → for visa
2. After arriving in Germany, switch to family insurance (under your GKV)
3. Cancel visa insurance (refund for unused months)

#Living in a Family Dorm

Family insurance does not require sharing the same address but an economic connection is sought. If spouse lives in another city (e.g., you are a student in München, spouse works in Berlin) — family insurance is cancelled.

Related: Monthly insurance fee | Over 30 years old.