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How to register for mandatory health insurance in Munich (2026)

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Cost

Free

Approx. 14.6% of gross salary (GKV). Minimum for freelancers: ~220€/month. Students: ~120€/month.

Time at office

30-60 minutes for the application

Estimated time

Active registration in 1-3 days. Health card in 1-2 weeks by mail.

Quick summary

English guide to registering for Krankenversicherung in Munich. In Germany, health insurance is mandatory for everyone. Public insurance (GKV), costs, and how to sign up.

Required documents

  • Anmeldebestätigung

    Confirmation of residence registration.

  • Pasaporte o DNI

    Valid identification document.

0 €
Approx. 14.6% of gross salary (GKV). Minimum for freelancers: ~220€/month. Students: ~120€/month. €0.00
€0.00
€0.00

: 2026

Step by step

  • 1

    Choose between public (GKV) or private (PKV) insurance

    Most employees opt for GKV. For incomes above 69,300€/year, you can choose PKV. For newcomers, GKV is always the safest option.

    !

    Expert tip

    "If you come from Spain with an EHIC card, it covers you for 3 months. But once you start working in Germany, you must register for German insurance."

  • 2

    Choose a Krankenkasse and apply for registration

    Go to official site

    The main ones are TK, AOK, DAK, and Barmer. They all cover the basics; the difference is in extra services and digital apps.

    !

    Expert tip

    "TK (Techniker Krankenkasse) is very popular among expats due to its digital app and English services."

  • 3

    Receive the health card

    In 1-2 weeks, you will receive the green health card (Gesundheitskarte). With it, you can visit the doctor anywhere in Germany.

    !

    Expert tip

    "Always carry the health card. You need it every time you visit the doctor."

Offices and service points - Munich

Frequently asked questions

Is health insurance mandatory in Germany?
Yes. It is mandatory for absolutely everyone residing in Germany, regardless of nationality.
How much does health insurance cost in Germany?
For employees, approx. 14.6% of gross salary, paid half by the employer. For freelancers, the minimum is around 220€/month. Students have a reduced rate of approx. 120€/month.

Trámites relacionados

This procedure in other cities

Official sources and useful links

This guide is for informational purposes only. Always check the official source for current information.