The cost of public insurance is based on your (pre-tax) income—and your employer pays for half. The general contribution amount that you would pay is 7.3% of pre-tax salary. After that, you may need to pay an additional contribution as determined by the public insurer. (For TK this is 0.6%, while others may be lower or higher.) In nearly all cases, you will also need to pay long-term care insurance (Pflegeversicherung) of around 1.5%. This means that for most insurers, you will end up paying around 9-10% of your pre-tax salary toward insurance.

Total cost*

What you pay*

General contribution



Additional contribution (determined by provider)

around 1.2%

around 0.6%

Long-term care insurance contribution




around 19%

around 9.5%

* % are based on your pre-tax salary

To figure out your monthly contribution to TK, you can enter your pre-tax income in our calculator.

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