The Parental Leave Hack — How Some PKV Tariffs Eliminate Premiums During Elterngeld

A common concern for young families

Private health insurance premiums normally continue during parental leave.

However, some tariffs include temporary contribution relief during Elterngeld periods.

---

Example: contribution exemption

Certain premium tariffs provide:

Up to six months without contributions during parental leave.

Requirements typically include:

• Continuous insurance before childbirth
• Minimum pre-insurance period (e.g. 8 months)
• Receipt of Elterngeld

---

Why this is financially significant

During parental leave:

• Household income usually decreases
• Insurance contributions remain constant

Contribution exemptions therefore provide temporary financial relief during early parenthood.

---

Important limitation

Eligibility depends on:

• Tariff structure
• Contract conditions
• Insurance duration before childbirth

Not all private health insurance plans offer this benefit.

---

Strategic consideration

Families planning children often benefit from reviewing their tariff options early.

Changing tariffs after pregnancy begins may not always be possible.