Our contribution rates and assessment limits
As a health insurance company, it is our aim to offer you not only high-quality TOP services, but also clear information on all questions relating to contributions and insurance. Here you will find all contribution rates and limits in social insurance - clearly explained and presented.
Contribution rates for health insurance 2025
In 2025, our contribution rate for health insurance will be 18.00%. This is made up of the general contribution rate of 14.60 % and the individual contribution rate of 3.40 %. For employees, the employer pays half of the contributions.
| Percentage rate | |
|---|---|
| General contribution rate | 14,60 % |
| Reduced contribution rate (without entitlement to sickness benefit) | 14,00 % |
| Individual supplementary contribution | 3,40 % |
| General long-term care insurance | 3,60 % |
| Long-term care insurance increased | 4,20 % |
| Pension insurance | 18,60 % |
| Unemployment insurance | 2,60 % |
Contributions for employees
In 2025, our health insurance contribution rate will be 18.00% - consisting of the general rate of 14.60% and the supplementary contribution of 3.40%. Employers and employees each pay half.
Your contribution is based on your gross salary. A maximum of € 5,512.50 per month is used for the calculation - even if your income is higher.
The following applies to all social insurance schemes: contributions are only due up to the income threshold. If you earn more, the contribution remains the same - the share is then calculated from the fixed limit.
Contributions for students
If you have family insurance through your parents or partner, you do not pay any contributions.
If this is not possible, compulsory insurance for students usually applies - with the favorable KVdS rate, which is based on the BAföG requirement (2025: € 855.00 per month as the basis for calculation).
Contributions for the self-employed
Your contribution is calculated on the basis of your total monthly income and the current contribution rates. The following applies: In 2025, the income threshold is €5,512.50 per month - income above this amount is exempt from contributions. At the same time, a minimum assessment basis of € 1,248.33 per month applies. If your income is below this amount, this minimum value will still be used for the calculation.
Contributions for other groups of people
Are you not covered by family insurance, no longer studying and do not belong to a compulsory insurance group? Then you can take out voluntary insurance with us - for example, after the end of family insurance or as a housewife or househusband without your own entitlement.
Your entire income that you use or could use to support yourself - including rental income, investment income or maintenance payments - is taken into account when calculating contributions. The income of a non-statutory insured spouse is also taken into account.
In 2025, the minimum assessment basis is €1,248.33 and the contribution assessment limit is €5,512.50 per month.
Insurance & premiums for expectancy insurance
If you spend more than three months abroad for work-related reasons, voluntarily insured members can switch their health insurance to a qualifying period - with reduced contributions. There is no entitlement to benefits during the qualifying period, but it ensures that you can easily re-enter the statutory health insurance scheme after your return.
However, a qualifying period is not possible if you are compulsorily insured or if family members with family insurance remain in Germany during your stay abroad.
Information on the contributions
*Contribution surcharge for childless members 0.60% from the age of 23. This is to be borne by the member alone. From the second to the fifth child who is not yet 25 years old, a deduction of 0.25% per child is calculated for long-term care insurance.
Half of the contribution to long-term care insurance is paid by the employer (1.800%), except in the federal state of Saxony. Here there is a special regulation that the employer only has to pay 1.300%.
The general contribution rate of 18.00% (including the individual contribution rate of 3.40%) applies to contributions from pensions, retirement benefits and part-time employment income.
Members entitled to benefits pay half the contribution rate (1.800%) for long-term care insurance and, if applicable, the additional contribution surcharge for childless members (0.60%).
Special groups of people, the self-employed and artists and publicists can opt for the optional sickness benefit tariff. We will be happy to send you information about the assessment basis and the minimum commitment period.
