As an employee, you are voluntarily insured if your regular income in 2022 exceeds the social security threshold of 64.350 EUR. You are generally required to pay the contributions to health and long-term care insurance yourself. Your employer pays their monthly share to health and long-term care insurance together with your salary.

More details

As a rule, your employer makes the payment and deducts your share of contributions to health and long-term care insurance from your salary. This is then paid directly to us together with the contributions to pension and unemployment insurance.

Share of contributions to health and long-term care insurance paid by your employer

Your employer pays half of the general contribution rate of 7.3 per cent. They also pay half of the additional contribution rate which is 0.6 per cent of a total of 1.2 per cent. You and your employer pay 7.9 per cent each in 2022.

Here you can calculate your personal contribution rate ("Beitragsrechner" only available in German language):

Calculate your contribution rate