Doorstep

First weeks in Germany

Public health insurance (GKV)

Mandatory for most students and employees.

Health insurance is mandatory in Germany. Most students under 30 and most employees are insured with a public health insurance fund (gesetzliche Krankenversicherung, GKV).

Students

• Special student rate. Example 2026 (TK): €141.16 per month up to age 23, €146.29 from age 23 without children (health and long-term care).
• You need proof of insurance to enrol at university.

Employees

• Contributions are a percentage of your salary, shared between you and your employer.
• Your employer registers you, but you choose the fund.

Funds differ in extra benefits and the additional contribution. Our advisors help you choose.

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Doorstep is a free app for Indians moving to and living in Germany, by Arenja & Raj Finanz GmbH. Imprint · Privacy