Self-employed
Whether newly founded or established for years: self-employed people need a health insurance company that thinks along with them. ZF BKK offers you clear benefits, predictable contributions and digital channels that make everyday life easier - from application to reimbursement.
Your benefits with ZF BKK
- Health courses/trips: We will cover 100% of the costs up to €200 per year for two health courses or one certified health trip.
- Travel vaccinations: We contribute up to €250 per year towards recommended vaccinations for abroad.
- Homeopathy: 100% cost coverage for treatment by qualified statutory health insurance physicians and for advice from pharmacies
- Osteopathy: We cover 100% of the costs up to €240 per year.
- Optional tariff premium payment: Get up to €350 a year back if you do not make use of any other services apart from preventive check-ups.
- Health bonus: For every preventive measure or healthy activity, there is a €10 bonus -without limit.
Contribution rate - what you should know
If you are self-employed or self-employed, you are in the right place with us - regardless of whether you are just starting up or are already experienced in business. The contribution to health and long-term care insurance is based on your income subject to contributions. Statutory minimum and maximum limits apply to the calculation.
We have put together a clear overview of what you should bear in mind as a self-employed person or freelancer and which figures currently apply:
Good to know
Your entire income is taken into account when calculating contributions - i.e. all income that you use to cover your living expenses. In addition to earned income from self-employment, this also includes income from renting, investment income or other sources. The basis for the calculation is your current income tax assessment.
Your health insurance contribution is then based on your total income. You can choose between two contribution rates:
- 14.00% (reduced) - without entitlement to sickness benefit
- 14.60 % (general) - with entitlement to sickness benefit from the 43rd calendar day of incapacity for work
It is possible to change your choice of tariff at any time and applies from the month following the month of application. Please note: The entitlement to sickness benefit only applies to new cases of incapacity for work, not to existing cases.
In addition to the selected contribution rate, the individual supplementary contribution of3.40% is added. The contribution to long-term care insurance is currently 3.60%. A statutory surcharge of 0.60% applies to childless persons aged 23 and over.
Contributions are calculated on a minimum monthly income of €1,248.33 and a maximum of the contribution assessment ceiling of €5,512.50. If no proof of income is available, the maximum amount is used as a basis.
The calculation is always based on the most recent income tax assessment notice. Since 01.01.2018, contributions are initially calculated on a provisional basis. As soon as the income tax assessment notice for the year in question is available, the calculation is based on the actual income. This can lead to an additional payment or refund - similar to a utility bill.
Important note in the event of a drop in profits:
If your profit falls by more than 25 %, your contribution can be provisionally reduced. For this we need
- an informal written application and
- a current advance payment notice for income tax showing the drop in profit.
The reduced contribution applies from the following month - subject to reservation - and is finally determined with the tax assessment notice for the year in question.
When you start full-time self-employment, your compulsory insurance ends. If you wish to continue to be insured with us, voluntary membership is possible.
For this we need
- an application for voluntary insurance
- proof of your self-employment, e.g. your business registration
The amount of the contribution is initially based on your expected total income. We require suitable evidence for the calculation - such as a business analysis (BWA). You will then receive a provisional contribution assessment.
As soon as your income tax assessment for the year in which you start your business is available, a final calculation will be made on the basis of your actual income.
If you take up part-time self-employment, we will check individually whether you are still subject to compulsory insurance. Please contact us at an early stage so that we can clarify your situation together.
Important: Irrespective of tax law, your activity is considered full-time self-employment as soon as you employ a permanent employee. A single mini-jobber does not count.
Current contributions are due on the 15th of the following month - for example, the contribution for January is due on February 15. Please take this into account when making transfers and standing orders.
It's easier with the SEPA direct debit mandate: we then debit your contributions punctually and reliably directly from your account.
