Family insurance
As an insured person of ZF BKK, you can generally insure your family members free of charge. This means: one contribution, many benefits - for you and your loved ones, as long as you do not have your own primary insurance.
Who is also insured?
Family insurance includes
- Spouses and civil partners (in accordance with the Civil Partnership Act)
- Your own and adopted children
- Stepchildren and grandchildren if you are mainly responsible for their upkeep or they live with you in the same household
- Foster children (provided they are not being cared for professionally)
For children
Children are insured free of charge:
- up to the age of 23 if they are not gainfully employed
- up to the age of 25 if they are in school, vocational training or university education
Periods of voluntary service, military or civilian service can extend the co-insurance.
Children with disabilities are covered by family insurance for an unlimited period of time - provided the disability existed when they were still entitled to family insurance.
Application for family insurance
- Simply online at your online branch
- Or by traditional paper application
Observe income limits
The following applies to co-insured relatives:
- For income from capital or self-employment:
Maximum € 535.00 per month (2025) - For mini-jobs:
up to € 556.00 per month
If this limit is exceeded, the non-contributory family insurance ends. Please inform us promptly of any change in income - this helps to avoid interruptions.
Special regulations
If one parent is privately insured or the child is a stepchild or grandchild, we will check the eligibility requirements individually. For example, children can only be co-insured free of charge if
- the income of the privately insured partner does not exceed €6,150.00 per month in 2025 or
- your own income is higher than that of the privately insured parent
Annual audit - please help
As a statutory health insurance company, we are obliged to check your family insurance once a year. When the time comes, you will receive a letter from us with a personal access code.
Please complete the online questionnaire within 10 days - even if nothing has changed. This will keep your data up to date - and ensure that your family is fully protected.
