Health Insurance for Freelancers/Self-Employed people in Germany

Medical health insurance for people and Germany go hand in hand! What this implies is that this nation highly values its residents being insured within the healthcare system.

Moreover, the fact that it has the most effective healthcare systems in the world makes it fairly handy to take up any health insurance plan in Germany.

International foreign staff have found Germany to be a super work destination.

Subsequently, Germany welcomes them with arms wide open, for so long as they fulfill the necessities, with one of them being taking up health insurance for foreign workers.

Freelancers also belong in the class of workers required to have health insurance. So, let’s undergo all the things you need to learn about health insurance for freelancers in Germany.


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Do I Need Health Insurance coverage as a Freelancer in Germany?

Sure, you do want medical insurance as a freelancer in Germany. Moreover, in the case of freelancers or those that are self-employed, the question of health insurance turns into just a bit trickier.

While those that aren’t self-employed normally pay only half of their insurance contributions, freelancers should pay all their health insurance contributions on their very own.

On the upside, freelancers have the chance to choose whether they wish to register with a public or non-public health insurance provider, not like workers with a normal job.

Artists, however, are exempt from this rule, since half of their contributions are paid by the Artists’ Social Security Fund (Künstlersozialkasse).

What Does Health Insurance for Freelancers Cover?

The health insurance coverage for freelancers in Germany is set by the health insurance plans they select to buy.

Initially, statutory health insurance suppliers will cover the following medical remedies:

  • In-Patient Hospital Care
  • Out-Patient Hospital Care
  • Prescription Drugs Costs
  • Medical Check-Ups
  • Mental Health Care Rehabilitation
  • Primary Dental Care
  • Pregnancy
  • Ambulatory Aid

Moreover, being registered with a private medical insurance provider means additionally, you will get services like dental check-ups as well as prolonged hospital services.

Nevertheless, you’re only entitled to dental check-ups and prolonged hospital services in case you buy private full insurance schemes.

Pregnancy services, however, usually are not always coated by private health insurance providers.

Due to this fact, before taking up and registering with any health insurance supplier, be sure you check whether you’ll be supplied with the necessary services for you.

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Health Insurance Cost for Self-Employed Individuals and Freelancers in Germany

The price of health insurance for self-employed people and freelancers largely relies on their revenue.

In addition, it also relies on whether they select to register with public or private health insurance suppliers.

Since freelancers wouldn’t have the benefit of paying joint employer-employee contributions (50/50), they need to be careful when it comes to deciding on a type of health insurance.

Public Health Insurance Cost for Freelancers

Concerning public health insurance cost, a minimal required revenue of €1038.33 monthly is utilized when calculating the contribution of those that are self-employed and with public medical insurance.

Even when your revenue is lower than this quantity, you’ll still pay as if you’re earning €1038.33.

Because of this self-employed people and freelancers pay a minimal of 160€ to 190€ monthly.

The great thing is that before 2019, the contribution minimal was a lot higher, however it was reduced by half, from €2,284 to €1,038 in the beginning of 2019.

Private Health Insurance Value for Freelancers

Private health insurance plans, not like statutory suppliers, might be more affordable choices for freelancers who’ve simply started on their careers and don’t earn as much.

Nevertheless, as a freelancer choosing a private health insurance provider, there are some things it’s best to bear in mind before you register.

Initially, if you have kids or a non-working partner, freelancers must also pay for every person they wish to insure under private healthcare plans.

Nevertheless, a bonus is that you may tailor the services and prices relying on your circumstances and desires, one thing that’s not available with public health insurance suppliers.

In addition, there isn’t any particular cost set in the case of private providers since totally different companies offer totally different prices and services.

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Should I take public or private health insurance?

As a freelancer in Germany, you’ve the possibility to choose between the two, public and private health insurance. Nevertheless, in terms of which one you should buy, the choice is fully up to you.

As well as, it’s best to keep in mind a number of things before making your alternative. In the event you plan on moving to Germany completely, it will probably be best for you if you’ve joined the public healthcare system.

As you become older, the monthly premiums are more likely to change within the private healthcare sector. Furthermore, including additional cover would even have its own challenges because the risk status increases with age.

Freelancers registered with private health insurance suppliers, however, have a number of extra advantages.

This implies, in case your income is relatively low, it’s possible you’ll choose to start with a basic private medical insurance tariff and later on change to a extra comprehensive one.

You could combine the tariffs of various services based on your needs and create a health insurance package that’s good for you.

It’s not simple to recommend a health insurance plan that matches perfectly to everyone.

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