GKV (Gesetzliche Krankenversicherung)

GKV (Gesetzliche Krankenversicherung) is Germany's public health insurance system. About 90% of the German population is covered by GKV.

How it works:

• Contributions are income-based (~14.6% of gross salary + supplementary premium, split 50/50 with employer)
• Your share: roughly 8% of gross salary
• Contributions are capped at ~€62,100/year gross
• Non-working spouse and children are covered for free (Familienversicherung)

Coverage includes: Doctor visits, hospital stays, prescriptions, mental health, dental (basic), maternity care, rehabilitation, preventive care, and Krankengeld after 6 weeks of sick leave.

Popular providers: TK (best English support), AOK, Barmer, DAK.