Tariffs in the employment area
This page describes the DAK offers shown for the employment area. Insurance obligations depend on the statutory requirements.
Requirements for proof of insurance depend on the statutory conditions and the requirements of the competent authority in each case.
Scope of application
DAK Standard
for employees; compulsory insurance depends on the statutory requirements.
- ✓Doctor, dentist, hospital, pharmacy
- ✓ (subsidy up to €60/year)
- ✓Travel vaccinations
- ✓Health check-up: once between ages 18 and 34, from age 35 every 3 calendar years; Check-up 17 (ages 17–34): if at least one risk factor is present, up to €40 every 2 calendar years
- ✓
- ✓Health card
+ Garantietarif 120
€120 annual payment if the tariff conditions are met; details from the provider.
- ✓Everything in Standard
- ✓€120 annual refund
- ✓
+ Fit & Travel
Worldwide travel coverage + fitness subsidy.
- ✓Everything in Standard
- ✓Worldwide travel insurance (up to 3 months)
- ✓Head physician treatment and single or double room (in case of accident)
- ✓€60 subsidy for fitness or a smartwatch
- ✓
Technical process with the provider: the optional tariffs shown are supplementary offers linked to DAK membership. Selection and further details are handled exclusively in the provider's process.
Benefits compared
Neutral side-by-side presentation of published tariff features. No ranking or product recommendation.
| Benefit | DAK Standard | + Garantietarif 120 | + Fit & Travel |
|---|---|---|---|
| Doctor, dentist, hospital, pharmacy | ✅ | ✅ | ✅ |
| (subsidy up to €60/year) | ✅ | ✅ | ✅ |
| Travel vaccinations | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | |
| Health card | ✅ | ✅ | ✅ |
| €120 annual refund | ❌ | ✅ | ❌ |
| Worldwide travel insurance (up to 3 months) | ❌ | ❌ | ✅ |
| Head physician treatment and single or double room (in case of accident) | ❌ | ❌ | ✅ |
| €60 subsidy for fitness or a smartwatch | ❌ | ❌ | ✅ |
| ❌ | ✅ | ✅ |
DAK contribution rate (as of 2026)
- • Health insurance: 17.8 % of gross salary (50 % employee / 50 % employer)
- • Long-term care insurance: 3.6 % additionally
- Example: €16,000/year gross → approx. €119/month health contribution.
Kundenservice
Responsible for: DAK Angestellte
These are the contact details of Care Concept AG. schengen-visa-insurance does not provide any advice.
Sources / status of information
Neutral summary of publicly available product information. Only the insurance terms (AVB) of the selected tariff are binding.
All prices, tariffs and contributions shown on this page are non-binding reference values in Euro (€) and refer to the conditions published by Care Concept AG and DAK-Gesundheit. Changes, adjustments and deviations are possible at any time. Only the current prices, tariffs and terms of the respective insurer at the time the contract is concluded apply.
Further information
- Schengen visa and national visa comparedThe Schengen visa concerns short stays, the national visa longer stays with a specific purpose. Which category applies to an application is decided by the competent mission.
- Visiting family and relativesA short visit and a longer stay for family reunification follow different procedures. This page describes the difference without assigning your case to a category.
- Information CenterThis page organises the information pages of this website by topic. It contains no recommendation and no rating of individual plans. Visas are decided by the competent authorities, contracts by the respective insurer.