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.

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Health Insurance in Germany

Fact Sheet

  • Statutory health insurance: everybody pays the same percentage of his income as a premium.
  • Premium at Merck BKK: 15.7 % are paid by insured person (8.0 %) and employer (8.0 %).
  • Family insurance: family members without an own income are covered free of charge with access to all benefits.

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Membership and Family Insurance

Membership

In Germany you are obliged to have a health insurance. The contributions are subsidized by your employer.

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Family Insurance

Spouses and/or children are insured free of charge if they do not earn an income on their own.

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Fact Sheet

  • Merck BKK – is it a private health insurance?
  • Is my family automatically insured?

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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).

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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.

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Fact Sheet

  • When an additional insurance is required?
  • What are the different supplementary insurances available?

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DENT Dental Plan

With the private supplementary insurance from AXA you secure double the subsidy towards dental prostheses.

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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.

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Insurance coverage abroad

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  • 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)?

Download Fact Sheet "Doctors"

Download Fact Sheet "E-Prescription"

Hospitals

Fact Sheet

  • Which hospital can I go to?
  • What do I need for hospital treatment?

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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”

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Fact Sheet

  • 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?

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Maternity Allowance

Fact Sheet

  • Who receives maternity allowance?
  • What is the amount of maternity allowance?

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“Klapperstorch (Stork) program”

Fact Sheet

  • What kind of allowances are available during the pregnancy?
  • What benefits are reimbursed during pregnancy?

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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.

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Fact Sheet

  • Which kind of individual health services exist?
  • Does the Merck BKK cover costs of IGeL?

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Contact

We will be pleased to answer your questions about individual health services.

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Co-Payments

Additional Payment

Co-payments are the amount of the costs that the insured person has to pay for medical services.

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Fact Sheet

  • Which services are subject to co-payment?
  • Can I get the co-payment back from the Merck BKK?

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Contact

We will be pleased to answer your questions about co-payments.

Contact us

Fit@Merck and Prevention Courses

Fit@Merck and Prevention Courses

Your Benefits

With Fit@Merck you can receive a subsidy of 195 € for your membership in a fitness studio. You can also attend a prevention course or profit from discount promotions with gyms in the area.

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Fit@Merck and Prevention Courses

Fact Sheet

  • How can I participate in Fit@Merck?
  • What costs will I have to pay?

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