You can apply for family health insurance if 

• you have statutory health insurance
• your family members live in Germany 

Your spouse or partner:

• is not primarily self-employed or covered by statutory health insurance, for example as an employee or retiree;
• is not privately insured, for example as an employee, a civil servant, or a retired civil servant; 
• is not exempt from the obligation to have health insurance and
• has no income or only a small amount of income. The exact income limit is set by the legislature each year.

Your children are

• under 18 years of age or
• under 23 years of age and not yet employed, or
• under 25 years of age and are still attending school, studying, or completing an unpaid vocational training program 

Children with a disability can remain permanently covered under family insurance if they are unable to support themselves even as adults.

You can include your grandchildren and stepchildren under family insurance within the specified age limits, provided they

• live in your household or
• you are primarily responsible for their support.
• Foster children living permanently in your household are also included in the group of children who can be covered under family insurance.

If your spouse or partner is not covered by statutory health insurance but is, for example, privately insured, you may only include your children in your coverage at no cost if

• your partner’s salary is below the statutory annual income limit or
• your partner earns less than you do.