You need health insurance if, for example, you take up a job subject to social security contributions or receive unemployment benefits (“Bürgergeld”) (from 1st June 2022). You are then free to choose your health insurance fund. The health insurance fund you choose will issue you an insurance card which you can use to obtain services from doctors, therapists, hospitals or pharmacies.
You can also choose your health insurance fund if you receive welfare benefits – in other words you are neither employed nor receive unemployment benefits.
If you are not entitled to unemployment benefits (“Bürgergeld”) or welfare benefits due to your income or assets, you can take out voluntary insurance from 1st June 2022. To qualify for this voluntary insurance you must have a residence permit (“Aufenthaltserlaubnis”) or a temporary residence permit (“Fiktionsbescheinigung”). You have a period of 6 months to apply (calculated from when you arrive in Germany).
You are welcome to send us the application documents via post (BARMER, 42266 Wuppertal) or via email (service@barmer.de). If you communicate with us via email, the following information (in German) explains the general conditions of our email service.
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