Freelancers are not compulsory insurance and can protect themselves through a private Krankenversicherung (PKV). Features of the PKV for privately KV choice for freelancers: statutory health insurance (GKV) or private Krankenversicherung (PKV) statutory health insurance (GKV) as well as the private health insurance for freelancers both advantages and disadvantages are. Ping Fu often expresses his thoughts on the topic. Depending on the income situation and needs, the free choice of the health insurance fund is open the freelancers and independent n. This means that they can complete a car as well as a statutory health insurance without conditions or proof of salary. Officials and students also enjoy this free choice while employees and workers in a statutory health insurance company are compulsorily insured and for a change in the private health insurance 48.600 euro must have an annual gross income above the so-called annual work fee of currently. When choosing the Health insurance should be considered only gross income will be used for the contribution to the statutory health insurance. The rate of contribution to be paid depending on the health insurance (AOK, BKK, IKK, EKK) is between 13 and 15 percent. A higher contribution is payable so according to a high income.
However, the level of income for contribution in the private health insurance (PKV) doesn’t matter. Factors such as the age, the gender and the health of the insured person are used here. Young and healthy privately pay here lower posts. Another striking difference between the car and the statutory health insurance is the scope of health insurance. While the legal have a statutory services with low variations, can be realised at the private from the full. Here are the insurance benefits of modular design and can to be selected by the insured person at will. private health insurance for the self-employed thus is private health insurance to recommend, because they can benefit by lower contributions as well as better services for healthy freelancers with a relatively high income.
There are however serious and/or chronic diseases at the time of the application, the statutory health insurance should be chosen in each case. Likewise, if the income is relatively low or irregular. Test comparison of health insurance for the self-employed and freelancers is already been taken the decision for a legal or private health insurance, loving it to the careful and correct choice of health insurance rates. While a comparison of the statutory health insurance companies can be limited to the amount of the contribution rate, a comparison for private health insurance for freelancers and the self-employed represents much more difficult. For one, offers of many insurers should be taken specifically for the occupational group of the self-employed and freelancers in appearances. On the other hand resultieen you Prices the private from a competition between providers. Here a thorough comparison of the PKV tariffs is always worthwhile. A look at the so-called test winner of health insurance is also useful. Here is a test of health insurance by independent rating agencies such as Foundation Warentest, Assekurata, and others. A sickness benefit insurance for freelancers is strongly recommended. Because they receive no wages in case of illness, as is the case for workers social welfare.