Tariffs in the employment area
This tariff is in practice mostly used by people employed in Germany and subject to social-security contributions – e.g. employees, skilled professionals or paid interns.
Statutory health insurance in Germany is regarded by the authorities as comprehensive proof of insurance. Decisive are the requirements of the respective competent authority.
Who is this for?
DAK Standard
Full statutory coverage – automatic from the moment you're employed.
- ✓Doctor, dentist, hospital, pharmacy
- ✓
- ✓Travel vaccinations
- ✓Health check-up
- ✓
- ✓Health card
Redirect to care-concept.de – the contract is concluded there.
Legal basis (SGB)+ Garantietarif 120
€120 annual refund — effectively €10/month savings.
- ✓Everything in Standard
- ✓€120 annual refund
- ✓Effective €10 savings per month
- ✓
Redirect to care-concept.de – the contract is concluded there.
Legal basis (SGB)+ 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
- ✓
Redirect to care-concept.de – the contract is concluded there.
Legal basis (SGB)How to choose: the application always goes through DAK Standard. Whether you want DAK Standard, DAK + Fit & Travel or DAK + Garantietarif 120, you state this directly in the application at the provider. The optional tariffs are add-ons to DAK membership and are not applied for separately.
Benefits compared
Neutral side-by-side view of publicly available tariff features (data source: care-concept.de). No recommendation of individual tariffs. All information without warranty.
| Benefit | DAK Standard | + Garantietarif 120 | + Fit & Travel |
|---|---|---|---|
| Doctor, dentist, hospital, pharmacy | ✅ | ✅ | ✅ |
| ✅ | ✅ | ✅ | |
| 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. With Garantietarif 120 effectively approx. €109/month.
Kundenservice
Responsible for: DAK Angestellte
These are the contact details of Care Concept AG. schengen-visa-insurance does not provide any advice.
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.