What is covered?

For members of the same household, one contract is usually sufficient. In family insurance, all unmarried children are generally co-insured if they are still in education or military/civil service.

Co-insurance is also possible if unemployment follows education. The same protection applies to unmarried couples, often including same-sex couples.

There are special rates for singles, young people up to 25, and seniors over 60. However, no additional persons can be co-insured, as the coverage amounts are sometimes lower or include more exclusions.