Pharmacies, prescriptions and co-payments
How German pharmacies work, which medicines need a prescription, how to redeem an e-prescription, what you pay in 2026 with statutory insurance, the annual co-payment cap, and how to find a pharmacy open at night or on Sunday.
- Applies to
- Everyone in Germany. Co-payment rules and the e-prescription process described here apply mainly to people with statutory health insurance; privately insured people usually pay the full price and claim it back.
- Effort
- Low effort
- Time needed
- A few minutes at the pharmacy, longer if a medicine has to be ordered
- Cost
- With statutory insurance in 2026, 10 % of the price per prescribed item, at least 5 and at most 10 euros, never more than the price itself. Children under 18 pay no co-payment. Non-prescription medicines are generally paid in full by adults. A 2.50 euro emergency service fee can apply at night, on Sundays and on public holidays.
- When
- Redeem a statutory e-prescription within 28 days for it to be paid by your insurer; after that it can be redeemed at your own cost until three months after issue.
On this page
- Overview
- Documents you need
- Three kinds of medicine
- How the e-prescription (E-Rezept) works
- What you pay with statutory insurance (2026)
- Pharmacies on emergency duty (Notdienst)
- Online pharmacies
- Other pharmacy services
- Watch out
- Common mistakes
- Tips
- Frequently asked questions
- Official links
- In your plan
- Sources
- Related guides
In Germany, medicines are sold mainly in pharmacies (Apotheken). Most medicines, including most remedies for colds and headaches, are available only in pharmacies, not in supermarkets or drugstores (Drogerien). Pharmacies are obliged to advise you on how to take a medicine, its side effects, interactions and storage.
Prescriptions from doctors are now electronic (E-Rezept) for people with statutory insurance. This guide explains how to redeem them, what they cost and where to go outside opening hours.
Documents you need
- optional
Electronic health insurance card (eGK)
Inserting the card at the pharmacy is one way to redeem e-prescriptions.
Three kinds of medicine
- Prescription-only (verschreibungspflichtig): for example antibiotics or medicines for diabetes. You need a doctor's prescription, and they are sold only in pharmacies.
- Pharmacy-only (apothekenpflichtig): available without prescription, but only in a pharmacy, for example most remedies for colds and headaches. Ask the pharmacist for advice.
- Freely available (freiverkäuflich): products such as certain herbal juices or disinfectants, also sold in drugstores and supermarkets.
Statutory insurance generally does not pay for non-prescription medicines for adults, even if a doctor recommends them. Exceptions include children under 12, young people with developmental disorders up to 18, and certain medicines that are standard therapy for serious illnesses.
How the e-prescription (E-Rezept) works
Since 1 January 2024, prescriptions for prescription-only medicines for people with statutory insurance are issued electronically. You can redeem them in three ways:
- With your health insurance card: insert your eGK at the pharmacy; the pharmacy sees your open prescriptions.
- With the official E-Rezept app of gematik, which shows your prescriptions and lets you send them to a pharmacy, for example to reserve a medicine.
- With a printout: the practice can give you a paper printout with a code that the pharmacy scans.
You can redeem e-prescriptions at a local pharmacy or an online pharmacy of your choice. Some pharmacy apps also accept them via the CardLink procedure, using your health insurance card and smartphone.
Validity: an e-prescription can be redeemed for 28 days at your insurer's expense. After that it can be redeemed as a self-pay prescription until three months after it was issued. Each e-prescription can only be redeemed once.
Private insurance: privately insured people can receive e-prescriptions if their insurer already offers a digital identity (GesundheitsID); otherwise they receive a paper private prescription (Privatrezept). Privately insured people usually pay at the pharmacy and claim the cost from their insurer.
What you pay with statutory insurance (2026)
- Co-payment (Zuzahlung): 10 % of the price of each prescribed pack, at least 5 euros and at most 10 euros, but never more than the price of the medicine.
- No co-payment for children and young people under 18, and for some low-cost medicines that are priced at least 20 % below the official reference price; your pharmacy knows which ones.
- Annual cap (Belastungsgrenze): your total co-payments in a calendar year (for medicines, hospital stays, therapies and similar) are limited to 2 % of your gross annual household income, or 1 % if you are chronically ill. Keep your receipts and apply to your insurer for an exemption (Befreiung) once you reach the limit; ask your insurer how it wants the payments documented.
- Hospital stays have a separate co-payment of 10 euros per calendar day, which also counts towards the cap.
Ask the pharmacy for a receipt for the co-payment; you need it to prove that you have reached the annual cap.
Pharmacies on emergency duty (Notdienst)
Pharmacies take turns to stay open at night, on Sundays and on public holidays. To find the nearest one on duty:
- use the emergency pharmacy search of aponet.de, based on data from the Federal Chamber of Pharmacists, which lets you search by postcode and up to two weeks ahead,
- in Berlin, use the Notdienstfinder of the Apothekerkammer Berlin,
- or look at the notice in the window of any pharmacy, which lists the nearest pharmacies on duty.
Between 20:00 and 6:00, on Sundays and public holidays (and on 24 December from 14:00 if it falls on a weekday), the pharmacy may charge an emergency service fee of 2.50 euros.
If you need a doctor first, call 116117 or go to an on-call practice; see the guide on finding a doctor in Berlin.
Online pharmacies
Mail-order pharmacies in Germany need a licence and must be run from a physical pharmacy. Legitimate online pharmacies in the EU show a common EU logo that links to the national register kept in Germany by the Federal Institute for Drugs and Medical Devices (BfArM). Check the logo before ordering: counterfeit medicines can be ineffective, harmful or even life-threatening.
Other pharmacy services
Pharmacies also offer extended medication reviews for people who take several medicines and help with using inhalers, and pharmacies may vaccinate adults with certain non-live vaccines. Ask your local pharmacy which services it provides.
Watch out
Do not buy prescription-only medicines from websites that do not ask for a prescription; they may be counterfeit.
Redeem statutory e-prescriptions within 28 days, or you may have to pay the full price yourself.
Common mistakes
Looking for painkillers or cold medicine in a supermarket; most are only sold in pharmacies. Throwing away co-payment receipts and missing the exemption after reaching the annual cap. Assuming your insurer pays for non-prescription medicines recommended by your doctor.
Tips
If a medicine is not in stock, ask the pharmacy to order it; it can often be collected later the same day or the next day. Ask the pharmacist whether a cheaper medicine with the same active ingredient is available or exempt from co-payment. Keep a list of your regular medicines with their active ingredients (*Wirkstoff*), not only brand names, which may differ between countries. Install the gematik E-Rezept app or your insurer's app to see your prescriptions and send them ahead to a pharmacy.
Frequently asked questions
Editorial answers written by our team, based on the sources below.
Can I buy ibuprofen or paracetamol in a supermarket?
Generally not. Most painkillers are pharmacy-only medicines in Germany, available without prescription but only in pharmacies.
My doctor gave me nothing on paper. How do I get my medicine?
Your prescription is electronic. Insert your health insurance card at any pharmacy, use the E-Rezept app, or ask the practice for a printout with the code.
What is the most I pay per prescription item?
With statutory insurance in 2026, at most 10 euros per pack (at least 5 euros), never more than the price. Children under 18 pay nothing.
Do I pay extra at a night pharmacy?
Pharmacies may charge an emergency service fee of 2.50 euros at night, on Sundays and public holidays.
Official links
Federal Ministry of Health - e-prescriptionOfficial source bundesgesundheitsministerium.de (Opens {{site}} in a new tab) Federal Ministry of Health - co-payments for medicinesOfficial source bundesgesundheitsministerium.de (Opens {{site}} in a new tab) gematik - e-prescription FAQ gematik.de (Opens {{site}} in a new tab) aponet.de - emergency pharmacy search aponet.de (Opens {{site}} in a new tab) Apothekerkammer Berlin - Notdienstfinder akberlin.de (Opens {{site}} in a new tab)
In your plan
Save the emergency and on-call numbers Find a family doctor before you need one
Sources
Written and checked by HomiStart editorial against the official sources below. Next scheduled check: 3 Apr 2027.
- Bundesministerium für GesundheitOfficial sourceZuzahlung und Erstattung bei Arzneimitteln
(Opens {{site}} in a new tab) Accessed 5 Oct 202610 %, min 5, max 10 euros; under 18 exempt; Belastungsgrenze 2 % / 1 %; exempt medicines 20 % below Festbetrag; OTC exceptions.
- Bundesministerium für GesundheitOfficial sourceDas E-Rezept
(Opens {{site}} in a new tab) Accessed 5 Oct 2026 - gematik GmbHOfficial sourceE-Rezept (FAQ)
(Opens {{site}} in a new tab) Accessed 5 Oct 202628 days at insurer's expense, then self-pay until three months after issue; private insured need GesundheitsID.
- Bundesministerium für GesundheitOfficial sourceZugang zu Arzneimitteln
(Opens {{site}} in a new tab) Accessed 5 Oct 2026 - Bundesministerium für GesundheitOfficial sourceApotheken
(Opens {{site}} in a new tab) Accessed 5 Oct 2026Mail-order licensing, EU logo and BfArM register, counterfeit warning, pharmaceutical services and vaccinations.
- Bundesministerium der Justiz / Bundesamt für Justiz (gesetze-im-internet.de)Official sourceArzneimittelpreisverordnung § 6 Notdienstgebühr
(Opens {{site}} in a new tab) Accessed 5 Oct 2026 - Bundesministerium der Justiz / Bundesamt für Justiz (gesetze-im-internet.de)Official sourceSozialgesetzbuch V § 61 Zuzahlungen
(Opens {{site}} in a new tab) Accessed 5 Oct 2026 - aponet.de (Bundesvereinigung Deutscher Apothekerverbände)Notdienstsuche
(Opens {{site}} in a new tab) Accessed 5 Oct 2026 - Apothekerkammer BerlinOfficial sourceNotdienstfinder
(Opens {{site}} in a new tab) Accessed 5 Oct 2026