Health Insurance For Children

Private Health Insurance (PKV)

Public Health Insurance (GKV)

Advantages:
✅ Free family insurance:
If both parents are publicly insured — or the higher-earning parent is in the public system — children can be covered free of charge.
➜ If the parents are unmarried, the income of the privately insured parent does not affect the child’s eligibility for free family insurance under the public health system

❗Important:
Children are generally free to be insured under either the public (GKV) or private (PKV) system.

Disadvantages:
❌ Treatment decisions are largely determined by statutory regulations.
❌ Services are limited by the principle of cost-effectiveness (§12 SGB V).
❌ Alternative treatments and extended health checks (e.g. speech or motor skills tests outside the standard U-examination program) are usually not covered.
❌ Longer waiting times for specialist appointments.
❌ If free family insurance is not possible, the minimum contribution of approx. €260/month applies.

Premium calculation:
The premium depends on your child’s health status and the chosen plan, starting at €135 per month for a plan without deductible.

Long-term care insurance is free of charge if at least one parent has private health insurance.

Advantages:
✅ You become the direct contracting partner of the doctor, which means you can freely choose who treats your child and jointly agree on the best therapy on an equal footing.
✅ Faster access to medical appointments
✅ Flexible plan design, e.g. including alternative practitioners (Heilpraktiker treatments)

Disadvantages:
❌ A health check is required before admission — coverage is available only for healthy children.
💡 Children can be included without a health check if one parent is already privately insured (specific conditions apply).

When it comes to your child’s health, the decision should go beyond simply choosing the free family insurance option — it’s about giving your child access to the best possible medical care from day one. As parents, you have the freedom to choose what’s best: either full private health insurance (PKV) or a supplementary cost reimbursement plan (Kostenerstattungstarif) that grants your child private-patient status, faster access to specialists, and the most modern, effective treatment options available.

Because when it comes to your child’s well-being, only the best is good enough. Let’s find the perfect protection for your child — tailored to your family’s needs.

A Short Overview:

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