Did your Krankenkasse reject a treatment or claim? Here’s what the letter means – and a free appeal letter template you can send. Jump to the template ↓
A Krankenkasse is a German health insurance provider — either public (gesetzlich) like TK, AOK, or Barmer, or private (privat). They send letters about contribution changes, coverage confirmations, reimbursement decisions, and more. All in German. All important.
Your monthly premium is changing. Check the new amount and the date it takes effect. You may have a special right to switch providers.
Proof of membership. Your employer or the Finanzamt may need this. No action required — just file it.
Decision on whether they'll cover a specific treatment or procedure. Check if it's approved or denied.
Payment reminder for unpaid premiums. Take this seriously — unpaid health insurance can restrict your coverage.
Health insurance is mandatory in Germany. If you don't understand a letter about your coverage, you might miss a premium increase, lose coverage for a procedure, or accumulate debt without knowing it. These are not letters you can ignore.
Treatment, therapy or equipment rejected? A rejection is a formal decision (Bescheid) — and you can object. A short written Widerspruch is enough to start.
What to fill in:
A sample, not legal advice. For large amounts or court deadlines, talk to a tax advisor, lawyer or advice centre.
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