Family members


In Germany, the marriage partner and children can also be insured (dependent coverage) over the member without any contribution being due, as long as the domicile or usual place of residence of these relatives is in Germany. They must also not be insured themselves and are not full-time freelancers. Their own monthly income may also not exceed 445 EUR (2019). Should a family member have a so-called mini-job, the income limit is 450 EUR (2019) per month. Furthermore, spouses can only claim dependent coverage, if they can prove that they are legally married to the member according to German law. The same also applies to registered same-sex partnerships. There are age limits for co-insured children.

The AOK is there for the whole family: All co-insured family members receive their own AOK health card, which must be presented in doctor's offices and hospitals. The costs can then be directly settled with the AOK.

Spouses and children, who live abroad, can also be co-insured free of charge under certain conditions. The AOK will gladly provide advice in this case.

The AOK checks that the conditions still apply once a year so that your family can benefit from the free dependent coverage without restrictions. However: To maintain the insurance coverage, please inform us immediately of any changes in your family, for example about the birth of a child.