Private health insurance premiums are based on the plan you choose, your age when you sign up, and your health at the time of application. Employers in Germany usually cover up to 50% of your monthly premium, including required nursing care insurance and sick pay add-ons. You can see your exact costs and employer contribution with a personalised online offer.
How are private health insurance premiums calculated?
Private health insurance premiums are based on three main factors: the specific insurance plan chosen, the applicant's age at the time of enrollment, and the applicant's health condition during application. Premiums are generally lower for younger and healthier individuals. Once insurance coverage begins, premium rates do not increase due to aging or changes in health.
What contributions does a German employer make towards private health insurance premiums?
German employers contribute up to 50% of the monthly private health insurance premium for employees. This contribution covers the employee as well as any non-working spouse and children included under the private insurance policy. Note that the employer's monthly contribution is capped at a certain amount.
Which insurance components qualify for employer contributions?
Employer contributions include payments for both nursing care insurance (Pflegepflichtversicherung) and sick pay coverage add-ons. However, travel insurance add-ons do not qualify for employer contributions.
How can I find out the estimated costs and employer contributions?
Get a personalised offer on our website. You'll get a full breakdown of the cost per person and the employer contributions. No calls or consultations required.