In Germany, the statutory health insurance is the most important coverage in case of illness for many people. But what are the insurance options for soldiers in the armed forces?
Soldiers in the German Armed Forces are usually insured by the statutory health insurance of the German Armed Forces due to their activity. But what if the spouse has family insurance coverage? Can the soldier be insured in this insurance as well?
This article deals with the requirements that must be met for soldiers to be insured under their spouse’s family insurance plan and the special features that must be taken into account in this context.
If you are a soldier, you have many questions regarding your insurance matters. One of these questions is: “Can I insure myself as a soldier in the family insurance of my spouse??” This is an important question because it can have an impact on your family and health insurance coverage. In this article, we will address this question and highlight some important facts.
It is important to note that soldiers usually have their own medical insurance. This is true even if they are married and their spouses have family coverage. However, it is possible for soldiers to be covered by their spouse’s family insurance in certain situations.
One of the requirements is that the soldier is no more than marginally employed and has no income of their own. In this case, the soldier can enroll in the family insurance of his spouse. However, it is important to note that this rule only applies to health insurance. Other insurances like liability insurance or accident insurance have to be arranged separately.
To summarize, soldiers generally have their own health insurance. In certain cases, however, it is possible for soldiers to be insured in the family insurance of their spouse. It is important to note the requirements for this and, if necessary, to obtain information from the health insurance company.
Who can be included in the family insurance?
Family insurance is a possibility for family members of persons with statutory health insurance to be insured free of charge. This option applies to spouses, children and some other relatives who meet certain conditions.
However, as a soldier, you have special rules. If you are serving as a temporary soldier, you are eligible for your own health insurance coverage. You cannot enroll your spouse in family coverage, even though this is usually an option for non-military members.
However, if you are a professional soldier, you have the option of being included in your spouse’s family insurance if you do not exceed certain income limits. This could be a viable and cost-saving option if you have a family and want to reduce insurance costs.
It is important to note that the regulations for soldiers in the family insurance can be different. Therefore, you should always obtain information from your insurer or military authority to understand your options and rights.
What requirements must be met by the co-insured spouse?
As a soldier, you generally have the option of being included in the family insurance of your spouse. However, certain conditions must be met.
First of all, the spouse should have his or her own health insurance that provides at least the same scope of benefits as statutory health insurance. In addition, the spouse’s income must not exceed a certain limit in order to be considered co-insured.
It is also important to note that the co-insured spouse may not have a full-time job that earns more than 450 euros per month. If this is the case, he or she must take out a separate health insurance policy.
- Spouse must have own health insurance.
- The income of the spouse must not exceed a certain limit.
- Do not have a full-time job earning more than 450 euros per month.
If the above conditions are met, it is usually not a problem to include your spouse in the family insurance plan. However, it is advisable to contact the relevant health insurance fund at an early stage and take the necessary steps.
What effect does a soldier’s length of service have on family insurance coverage?
As a soldier in the German Armed Forces you have a special health insurance that differs from the statutory health insurance. However, if you are married, you can opt for family coverage to include your spouse and children, if applicable. There are different rules here, depending on how long you have been serving in the Bundeswehr.
If you are a soldier still on probation or have been in the Armed Forces for less than one month, you cannot be covered under your spouse’s family insurance policy. This is only possible after the end of the probationary period.
However, if you have been in the Armed Forces for more than one month, you can be covered under your spouse’s family insurance plan. However, it should be noted that you will have to pay contributions to the special Armed Forces health insurance scheme for the period of service with the Armed Forces. These contributions are usually higher than the contributions for statutory health insurance.
It is important to inform yourself carefully in advance and to weigh up whether family insurance makes sense in your individual case. You can also seek the advice of an experienced insurance advisor here.
After thorough research and consideration of the legal requirements, it is clear that soldiers can choose to be covered under their spouse’s family insurance plan. However, some regulations must be observed in order to ensure a lawful claiming of the insurance benefit.
Above all, it is important that the spouse agrees to the inclusion of the soldier in the family insurance. Furthermore, the soldier must immediately inform his employer or service provider of a change in health insurance coverage.
In addition, it is advisable to inform yourself in advance about the possibilities and requirements of family insurance as well as the obligations of the insured in order to avoid misunderstandings and problems.
- Family insurance offers soldiers a cost-effective alternative to private health insurance and can provide reliable coverage, especially in financially challenging phases of life.
- However, each soldier should individually consider which insurance option best fits his or her needs and conditions. A consultation with a specialized expert can be a helpful support here.