Private health insurance for children
Private children have to pay their own monthly contributions for each child. There is no non-contributory family insurance as with statutory health insurance. Thanks to special tariffs for families, the premiums for children are significantly cheaper than for adults.
Whether a child is privately or legally insured depends on health insurance and the income of the parents. If both partners are privately insured in a married couple, the child is also privately insured. If both are legally insured, the child receives non-contributory family insurance in the statutory health insurance.
If one partner is privately insured and the other is legally insured, the income decides: if the privately insured person earns more than the partner and his income is above the annual salary limit of 62,550 euros (status: 2020), the child is also insured privately. If the parents are not married, they can freely choose which parent the child should be insured with.
When a child is privately or legally insured
| Married couple health insurance | Child’s health insurance |
|---|---|
| both legal | legally |
| both private | Private |
| one privately, one legally: privately insured persons earn more and have income > € 62,550 (as of 2020) | Private |
Private health insurance is always possible
Basically, private health insurance for a child is always possible if you want higher-quality health protection and would like to forego non-contributory statutory family insurance.
Simplified admission for newborns
If a newborn child is insured through the private health insurance of a parent, it is admitted under simplified conditions. The insurance must take in the child without a health check and must not set any risk surcharges or exclusions, even if you have a disability or illness. The usual waiting period during which no benefits can be claimed is also eliminated.
Prerequisite for this: The parent has been insured with the company for at least three months and applies for membership within two months of the birth.
The child then receives the same insurance cover as the insured parent. However, if the child needs better protection, a health check is required.
Comprehensive health protection for your children
With private health insurance, your children receive comprehensive health protection that goes far beyond the benefits of the statutory health insurers. Most tariffs guarantee you free choice of hospital and doctor, so that your child can be treated by specialists in the event of illness. If your child needs orthodontic treatment, private insurance often also pays if only minor tooth misalignments need to be corrected – the statutory health insurers do not pay anything in such cases.
Find the right health protection for you and your children by comparing CHECK24’s private health insurance. Compare numerous top providers for free and secure a contribution saving of up to 70 percent!
Private health insurance for children
- Compare now for free and without obligation
- Your data is secure, no data transfer
Private health insurance comparison
Cheapest tariff
€ 2,643.00 annually The most expensive tariff
€ 8,856.72 annually € 6,213.72 total savings per year
- Policyholder: Freelancer, 23 years, max. € 1,000 deductible, superior dental services (at least 80% reimbursement for dental treatment and 60% for dentures), hospitalization: multi-bed room or better
- Cheapest tariff: HanseMerkur, KVS3, 220.25 € per month
- Most expensive tariff: Deutscher Ring, Prime, PIT, € 738.06 per month
Total savings: 70%
Source: CHECK24 comparison calculator for private health insurance, 06/2019
Related Posts
-
Private health insurance children 2020, experiences – tariffs
Private health insurance children 2020 If one Private health insurance for children depends on various factors. As a rule, the family situation is…
-
Family insurance 2020: gkv or pkv for children?
Family insurance or private child health insurance? Children are covered by the free family co-insurance in a parent’s statutory health insurance. It…
-
Private health insurance comparison 2020 • the best private health insurance in the test
Private health insurance comparison 2020 The best private health insurance in the test. If you want to get private insurance, you should at best not be…
-
Who can take out private insurance and when explanation Compulsory insurance limit The Compulsory insurance limit or Annual income limit represents the…