Statutory health insurance in Germany (GKV)

Statutory health insurance in Germany (Gesetzliche Krankenversicherung) is a type of health insurance that is compulsory for people living in the country. This insurance can also be referred to as public insurance or compulsory insurance. People living in Germany can choose either statutory health insurance or private health insurance. 

Why is statutory health insurance in Germany necessary?

Health insurance in Germany is very important as it provides financial protection in case of unexpected medical expenses and ensures that you can access necessary healthcare services without bearing the full financial burden. In addition, having health insurance supports general health and early disease detection by encouraging regular health check-ups and preventive measures.

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Insurance coverage example

• Sickness benefit: James is currently unable to work due to illness. His employer will continue to pay his salary for the initial six weeks. Following that period, James is eligible for sickness benefits for a duration of up to 78 weeks, as he is covered by his general health insurance.

• Treatment outside of Germany: John, a resident of Germany, became ill while vacationing in the USA. His German general health insurance can provide coverage for his medical requirements in the US, but solely in cases of emergencies.

• Child sickness benefit: Both Melissa and her child are covered by a statutory health insurance scheme in Germany. Her child falls ill and Melissa has to take time off work to look after him or her. In this case, Melissa can claim child sickness benefit (Kinderkrankengeld).

Sample coverages above represent statutory health insurance for expats in Germany (Gesetzliche Krankenversicherung) and varies depending on the insurance company and tariff type. The applicable coverage is specified in your insurance tariff.