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Child sickness benefit

When children are ill, they need the full care of their parents. It is often difficult to reconcile work and care. We support you during this time with child sickness benefit - so that your child's recovery can take priority.

Mädchenkind wird am Ozean gedreht
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Your advantages

  • Financial protection if you have to care for your sick child at home
  • Quick and easy application via the online office or service app
  • Support for the entire duration of the entitlement days

Requirements for child sickness benefit

  • Your child has statutory health insurance and is under 12 years old
  • You yourself are entitled to sickness benefit (e.g. as an employee)
  • No other person living in the household can provide care
  • The employer does not pay a salary (e.g. due to a collective agreement)

During vocational training, there is an entitlement to continued payment of the training allowance by the employer. In this case, no child sickness benefit is paid.

How to submit the application

Your doctor will issue a certificate for the child sickness benefit.

You will find the application form on the back of this certificate. Please complete it and send it to us and a copy to your employer.

Alternatively, you can submit the application quickly and easily via our online office or the ZF BKK Service App.

We will then contact your employer to clarify the details of the calculation.

Duration & amount of payment

Regular entitlement period

  • 10 working days per child and parent
  • Up to 25 working days per year from 3 children
  • Single parents: 20 working days per child, from 3 children up to 50 working days per year

Increased entitlement days in 2024 and 2025:

  • 15 working days per child and parent
  • Up to 35 working days per year for 3 or more children
  • Single parents: 30 working days per child, up to 70 working days per year for 3 or more children

Payment amount

  • 90 % of the lost net earnings (up to the contribution assessment ceiling)
  • 100% of net earnings if one-off payments were made in the last 12 months
  • Maximum amount 2025: € 128.63 per calendar day (depends on the contribution assessment ceiling)

Good to know

Children are also entitled to sickness benefit if they are hospitalized together with the sick child. Entitlement is subject to certain conditions. We will be happy to advise you personally on this topic.

Yes, you are generally entitled to time off work while you are receiving child sickness benefit.