What is statutory (public) health insurance?

Statutory insurance is Germany’s public health insurance system, run by public funds known as Krankenkassen. Many residents are covered through it once they are eligible, and it is a core part of living and working in Germany.

Am I eligible for statutory insurance?

Eligibility depends on factors such as your status, employment and age, and often applies once you have arrived and your situation is settled. LeilFinanz helps you check whether it applies to you before you try to enrol.

Can I enrol before I arrive in Germany?

Generally no — statutory enrolment typically happens after arrival, once you are registered and eligible. Before then, many new arrivals rely on travel or private cover to meet visa requirements.

Does LeilFinanz provide the insurance itself?

No. Statutory cover is provided by public health funds (Krankenkassen). LeilFinanz is a technology platform that helps you check eligibility, choose a fund and complete the enrolment process.

What if I am not yet eligible for statutory insurance?

If statutory insurance does not yet apply to you, private or expat health cover is usually the route to meet your visa and registration requirements. See our health insurance page to compare options.

Insurance

Enrol in German statutory health insurance

Get guided help joining a public health fund (Krankenkasse) once you are eligible after arrival — from checking eligibility to confirming your membership, subject to the fund’s rules.

Get started See enrolment support

Public Krankenkasse
Guided enrolment
After arrival, once eligible

Statutory membership

Public health fund

Krankenkasse (public)

Enrolled · after arrival

Cover is provided by the public fund; LeilFinanz guides eligibility, choosing a fund and enrolment.

Krankenkasse

Public health fund

After arrival

When you enrol

Guided

Every step of enrolment

Eligibility-led

We check if it applies

Why it matters

The public system, without the confusion

Statutory enrolment is a milestone for many new residents, but the funds, forms and offices can be daunting. LeilFinanz walks you through it so your membership is set up correctly.

Happens after arrival — Enrolment follows registration and settling in — not the visa stage.
The fund provides the cover — LeilFinanz guides the process; your Krankenkasse holds the membership.
Right first time — Correct forms and documents avoid rejected applications and repeat trips.

Your enrolment path

Arrive in Germany
Statutory enrolment happens after you arrive — not before.
Register your residence
Complete your Anmeldung so your details are on record locally.
Confirm eligibility
We help you check whether the public system applies to your status.
Enrol with a fund
Where LeilFinanz helps
Choose a Krankenkasse, submit your enrolment and confirm membership.

What's included

Support across the whole enrolment

From working out if you qualify to confirming your membership — the fund provides the cover, LeilFinanz guides the steps.

Eligibility check

Understand whether statutory (public) insurance applies to your situation after arrival, based on your status and circumstances.

Choosing a public fund

Compare the public health funds (Krankenkassen) that accept enrolments and understand how to pick one that suits you.

Enrolment paperwork

Guidance on the forms and documents your chosen fund needs, prepared correctly the first time.

Registration support

Step-by-step help submitting your enrolment and confirming your membership so you are properly covered.

Understanding your cover

Learn what the statutory system generally provides and how to use it once your membership is confirmed.

Family & dependants

Understand how dependants may be covered under statutory insurance, where the rules allow.

How it works

From eligibility to confirmed membership

A clear four-step route through the public enrolment process once you have arrived.

1
Confirm eligibility
After you arrive, we help you check whether you qualify for statutory (public) health insurance based on your status.
2
Choose a public fund
Compare accepting Krankenkassen and select the public fund you want to enrol with.
3
Prepare your enrolment
Get your registration forms and supporting documents ready, with guidance at each field.
4
Enrol & confirm
Submit your enrolment to the fund and receive confirmation of your statutory membership.

Available support

Statutory enrolment support

Guided help joining a public health fund once you are eligible. The public scheme provides your cover; LeilFinanz guides the enrolment.

Statutory scheme (configurable)

Statutory Enrolment Support

Guided enrolment in German statutory (public) health insurance once you are eligible after arrival.

Public scheme
guided enrolment

Contact for pricing

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Why LeilFinanz

Enrol right the first time

LeilFinanz turns an unfamiliar public process into a series of clear, doable steps.

A confusing step, made clear

Public enrolment involves unfamiliar terms and offices. LeilFinanz guides you through it in plain language.

Independent guidance

Support is designed to help you enrol correctly with a public fund — the fund provides your cover, LeilFinanz guides the process.

Right documents, first time

Knowing what each fund needs up front avoids rejected applications and repeated trips.

FAQ

Statutory insurance questions, answered

Ready to enrol in statutory insurance?

Check your eligibility and get guided support joining a public health fund once you arrive in Germany.

Get started Compare private cover

Enrol in statutory insurance

Guided help once you’re eligible after arrival

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