Exemption from the obligation to take out insurance in the GKV
In certain situations, privately insured persons can obtain exemption from compulsory health insurance in accordance with Section 8 of the Five Social Code (SGB V). To do this, they must submit an exemption application to a statutory health insurance company within three months of the start of compulsory insurance. The exemption cannot be revoked; it lasts as long as the circumstances that led to the compulsory insurance and exemption. If the facts change, it must be checked again whether the person concerned is exempt from or subject to insurance.
It is also important: If dependent employees have taken parental leave, care leave or family care leave – including the follow-up care phase – and take up part-time employment, their “time off” is taken into account with a five-year period. (see info box for exemption application). For example, if you have been privately insured for three years working full-time and have then taken two years of parental leave, you can be exempt from compulsory insurance when you return to work part-time. The prerequisite, however, is that they have an income above the current compulsory insurance limit if they are employed full-time.
If privately insured persons have the right to switch to statutory family insurance through a relative, this does not mean that statutory family insurance is compulsory. Rather, they are free to decide whether they should remain privately insured or take out family insurance. You are not bound by any deadlines in making your decision.
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