Private Health Insurance for Family Reunification
Bring your spouse and children to Germany with health coverage that satisfies visa requirements — independently selected and English-speaking end-to-end.
Independent advice
No ties to any insurer.
Personal contact
One advisor – start to finish.
Digital worldwide
Video or phone consultation.
Switch or new policy
We guide you the entire way.
Not sure if PHI fits your situation?
Take the free 2-minute PHI Check — independent, non-binding and in English.
What family reunification visas require
When a spouse or children join you in Germany under a family reunification visa (Familiennachzug), the German consulate requires proof of adequate health insurance for every joining family member. Private health insurance is accepted if the tariff is unlimited and covers inpatient, outpatient, dental and maternity care.
How family PHI is structured in Germany
Unlike statutory health insurance, German private health insurance does not offer free family co-insurance. Each family member gets their own policy — usually with individual risk-based premiums. In practice, child tariffs are affordable and can be tailored to match the parent's cover.
- Individual policies for spouse and each child.
- Child tariffs typically €120–€200 / month.
- Comprehensive dental and orthodontic cover for children.
- Maternity and midwife care covered.
- Worldwide travel cover included in most tariffs.
Once your family lives in Germany, the next question is usually whether the children can be covered free of charge through the statutory system. We explain the rules in our guide to health insurance for children in Germany.
What we do for you
- Free English-speaking family consultation.
- Independent comparison of 40+ German PHI insurers.
- Selection of visa-compatible tariffs for spouse and children.
- Coordination of start dates with visa approval and arrival.
- Handling of German paperwork and Ausländerbehörde requests.
Related pages
- PHI for expats in Germany
- Health insurance for German visas
- Start the free 2-minute PHI Check
- Book a free consultation
Family reunification — FAQ
Does my spouse need their own private health insurance in Germany?
Yes. Unlike statutory insurance, private health insurance does not offer free family co-insurance. Each spouse and each child needs their own PHI policy — but individually tailored premiums often make total costs competitive.
Can children be insured privately in Germany?
Yes. Child tariffs in German PHI are typically affordable and include comprehensive outpatient, inpatient and dental cover. We help you choose a child tariff that matches the parent's policy.
Is private health insurance accepted for a family reunification visa?
Yes, provided the tariff is unlimited in duration and meets German consular requirements for inpatient and outpatient care. We select policies that are known to be accepted by the Ausländerbehörde.
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