German family health cover — income and age limits
A family member stays covered while their regular total income does not exceed one seventh of the monthly reference amount; for a minijob the marginal-employment limit applies instead. Children are also covered only up to 18, up to 23 if not working, and up to 25 while in education or training.
2026 rules — verified on September 23, 2026Free, no account
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Sources and assumptions
- gesetze-im-internet.de — Sozialversicherungs-Rechengrößenverordnung 2026 § 1 — tax year 2026, verified on September 23, 2026
Excerpt from the source : « Die Bezugsgröße nach § 18 des Vierten Buches Sozialgesetzbuch für das Jahr 2026 beträgt 47 460 Euro. Umgerechnet auf den Monat ergeben sich 3 955 Euro. »
- gesetze-im-internet.de — SGB V § 10 Abs. 1 Satz 1 Nr. 5 — tax year 2026, verified on September 23, 2026
Excerpt from the source : « kein Gesamteinkommen haben, das regelmäßig im Monat ein Siebtel der monatlichen Bezugsgröße nach § 18 des Vierten Buches überschreitet. »
- gesetze-im-internet.de — SGB V § 10 Abs. 2 Nr. 1 — tax year 2026, verified on September 23, 2026
Excerpt from the source : « Kinder sind versichert 1. bis zur Vollendung des achtzehnten Lebensjahres »
- gesetze-im-internet.de — SGB V § 10 Abs. 2 Nr. 2 — tax year 2026, verified on September 23, 2026
Excerpt from the source : « bis zur Vollendung des dreiundzwanzigsten Lebensjahres, wenn sie nicht erwerbstätig sind »
- gesetze-im-internet.de — SGB V § 10 Abs. 2 Nr. 3 — tax year 2026, verified on September 23, 2026
Excerpt from the source : « bis zur Vollendung des fünfundzwanzigsten Lebensjahres, wenn sie sich in Schul- oder Berufsausbildung befinden »
Calculation assumptions
- Only income and age are tested. Residence in Germany, no insurance of one's own and no self-employment as the main occupation are assumed. Not tested for spouses and civil partners: exclusion during maternity protection and parental leave, and when drawing a partial old-age pension, if they were not in statutory health insurance beforehand (SGB V s. 10(1)).
- The marginal-employment limit is an input: it follows the minimum wage and is not held here as a constant.
- Not covered: children with disabilities, who have no age limit, and extensions for periods of service (SGB V s. 10(2) nos. 3 and 4).
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This result is provided for information purposes only and does not constitute personalised tax advice. Check your situation with the tax authorities or a professional.