HomeHealth insurance in GermanyBasic information about the German health systemPregnancy and birthHow much is child sick pay?
How much is child sick pay?
We pay employees 90 per cent of their lost net income. For self-employed insurees we pay 70 per cent of their daily earned income.EmployeesYour lost (earned) income is decisive when calculating your child sick pay. We receive this information directly from your employer after payroll accounting, so you don’t have to worry about this.Did you receive any one-off payments from your employer during the last 12 months such as a holiday bonus or Christmas bonus? In that case, child sick pay is 100 per cent of your lost net income. However, the maximum amount per calender day is limited to 135,63 Euro (2026).If you are compulsorily covered by pension, unemployment and long-term care insurance, you have to pay these contributions. This means: contributions are deducted from this child sick pay (90 or 100 per cent of the lost net income).As with your income, you pay half of the contributions at the most. We pay the rest. We deduct your share of the contributions directly from the child sick pay and transfer this together with our share to the relevant insurer.You do not have to pay any contributions to health insurance.The self-employedYour earned income subject to contributions is decisive for calculating your child sick pay. The statutory maximum amount is limited to 135,63 Euro (2026) per calender day.If you are compulsorily insured in pension, unemployment and long-term care insurance, you have to pay these contributions if you receive child sick pay. The contributions are paid in part by you and in part by us. We deduct your share directly from the child sick pay and transfer this to the relevant insurer.Once we have received your application, you will receive a form from us as we require further information from you. Please complete and return the form to allow us to finalise your claim.You can reach our experts on child sick pay from Monday to Thursday between 8 a.m. and 6 p.m. and on Fridays from 8 a.m. to 4 p.m. on 040 - 46 06 61 45 10.
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