Welcome to Germany
Welcome to Germany
In Germany, you have to choose a health insurance. Merck BKK is a statutory health insurance for employees of Merck. We will advise you in all matters of the German health insurance system.
Topic video
Health Insurance in Germany
Fact Sheet
- Statutory health insurance: everybody pays the same percentage of his income as a premium.
- Premium at Merck BKK: 17 % are paid by insured person (8.5 %) and employer (8.5 %).
- Family insurance: family members without an own income are covered free of charge with access to all benefits.
Membership and Family Insurance
Membership
In Germany you are obliged to have a health insurance. The contributions are subsidized by your employer.
Family Insurance
Spouses and/or children are insured free of charge if they do not earn an income on their own.
Fact Sheet
- Merck BKK – is it a private health insurance?
- Is my family automatically insured?
Electronic Health Insurance Card
Electronic Health Insurance Card
Your eGK
Whenever you go to the doctor, dentist or need hospital treatment, you must present your electronic health insurance card (eGK).
Electronic Health Insurance Card
Fact Sheet
- For what can I use the health insurance card?
- Which data are stored on the card?
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Supplementary Insurance
AXA
Merck BKK offers you the MED tariff as a supplementary insurance via AXA Supplementary Insurance.
Fact Sheet
- When an additional insurance is required?
- What are the different supplementary insurances available?
DENT Dental Plan
With the private supplementary insurance from AXA you secure double the subsidy towards dental prostheses.
Doctors and Hospitals
Doctors and Hospitals
Treatment
You are looking for a doctor or a hospital in Germany? Get more information in our fact sheets.
Insurance coverage abroad
- In which countries is insurance cover available?
- What can I do if I Have received a private bill?
- Application for reimbursement for treatment abroad
Doctors
Fact Sheet
- How can I find a doctor?
- Do I have to pay the costs myself (in advance)?
Hospitals
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Pregnancy and Maternity
Pregnancy and Maternity
Our Services
- Medical care and midwife assistance
- Maternity pay
- Especially for members: “Klapperstorch (Stork) program”
- How to get started?
- Which costs are covered by your Merck BKK?
Medical Care and Midwife Assistance
Fact Sheet
- Who takes care of me during and after my pregnancy?
- What kind of treatments are covered by the Merck BKK?
Maternity Allowance
Fact Sheet
- Who receives maternity allowance?
- What is the amount of maternity allowance?
“Klapperstorch (Stork) program”
Fact Sheet
- What kind of allowances are available during the pregnancy?
- What benefits are reimbursed during pregnancy?
Individual Health Services
IGeL
More and more doctors offer additional services (“IGeL”). IGeL are methods of diagnosis, prevention and treatments that are not covered by the statutory health insurance.
Fact Sheet
- Which kind of individual health services exist?
- Does the Merck BKK cover costs of IGeL?
Co-Payments
Additional Payment
Co-payments are the amount of the costs that the insured person has to pay for medical services.
Fact Sheet
- Which services are subject to co-payment?
- Can I get the co-payment back from the Merck BKK?
Prevention Courses
Prevention Courses
