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Retiree health insurance; application for a subsidy.

If, as a pensioner, you are voluntarily insured in a statutory health insurance fund or privately with an insurance company, you can apply to the German Pension Insurance Fund for a contribution subsidy.

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10709 Berlin

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10704 Berlin

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+49 30 865-0

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Pieperstraße 14-28
44789 Bochum

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44781 Bochum

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Wittelsbacherring 11
95444 Bayreuth

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95440 Bayreuth

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Procedure details

If you have voluntary statutory health insurance or private health insurance, you can apply for a subsidy on your contributions as a pensioner. You can apply for the subsidy together with your pension.

You may be entitled to a subsidy if you

  • receive a pension and are voluntarily covered by statutory health insurance, or
  • receive a pension and have private health insurance.

  • You have applied for a pension or are already drawing a pension.
  • You are a voluntary member of a statutory health insurance fund or
  • You have private health insurance with an insurance company that is subject to German supervision or the supervision of another state in which the European regulations on the coordination of social security systems apply.
    • There is a legal entitlement to a private health insurance benefit and independent insurance coverage.
  • You are not subject to compulsory health insurance in a statutory health insurance fund or a foreign compulsory health insurance fund.
  • You pay your own health insurance contributions.

  • Required Documents
    • Antrag auf Zuschuss zur Krankenversicherung in Verbindung mit einem Rentenantrag oder als separater Antrag
    • bei privater Krankenversicherung:  Bescheinigung des Krankenversicherungsunternehmens

You apply for a subsidy for your health insurance expenses at the same time as your pension application. If you are a voluntary member of a statutory health insurance fund, the pension insurance fund requires information on the address of the statutory health insurance fund. If the statutory health insurance fund confirms that you continue to be a voluntary member and pay contributions while receiving a pension, the health insurance subsidy will be approved with the pension notice.

If you have private health insurance with a health insurance company and pay contributions yourself, you will receive a form with your pension application that you send to your private health insurance company. Once you have submitted all the documents to the German pension insurance company, they will decide on your application for a health insurance subsidy. This is done with the pension notice.

If you are already receiving a pension and are a voluntary member of a statutory health insurance fund or have private health insurance and do not yet receive a subsidy for your expenses for your health insurance contributions, you can also apply for this separately.

You can submit your application online, in person or by mail.

Online application:

  • On the website of the German Pension Insurance (DRV) under "Online Services" you will find detailed information on the process.
  • If you follow the link "Submit application", you will be guided through the further steps and can select the desired application.
  • Alternatively, you can use the online services with registration. For example, you can see right away which insurance periods have already been recorded. You also save time and do not have to re-enter data you already know.
  • Complete the application in full and upload the required documents.
  • Submit your application online.
  • You will receive a confirmation of submission.
  • The responsible pension insurance institution will review your application.
  • You will receive a decision on your application.

Personal application:

  • Make an appointment with the DRV by phone.
  • During your personal meeting, your application will be recorded electronically and forwarded online to the responsible pension insurance agency.
  • The responsible pension insurance agency will review your application.
  • You will receive a decision.

Written application:

  • Go to the DRV's website.
  • Download the desired application form.
  • Fill out the application form, sign it and attach the required documents.
  • Send all documents by mail to your pension insurance institution.
  • The responsible pension insurance institution will review your application.
  • You will receive a decision.

A person you trust can also submit your application on your behalf. For this purpose, please submit a power of attorney to the pension insurance agency. As long as the power of attorney is valid, the pension insurance company will only contact the person you have authorized.

If you give your consent to electronic communication, all correspondence can be done online. Either use the electronic mailbox under online services with registration or De-Mail.

There are no costs involved.

If possible, you should submit the application together with the pension application already 3 months before the desired pension start date. In order to receive a subsidy from the pension start date, the 3-month principle applies. This means that you must submit the application no later than the end of the third calendar month in which the conditions for entitlement to a subsidy are met. If you submit the application later, the subsidy will start from the calendar month in which the application was submitted.

3 weeks to 6 months

The processing time depends on whether you submit the application individually or together with the pension application. In addition, the processing time depends on the examination or the issuance of the certificate from your health insurance fund or your private health insurance.

  • Objection. Detailed information can be found in the decision on your pension application.
  • Action before the Social Court. Detailed information can be found in the notice of appeal.

Status: 26.04.2023
Editorially responsible for prodecure description: Zentrale Redaktion BayernPortal im Bayerischen Staatsministerium für Digitales
Source: Federal Portal
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