Public health insurance calculation example
Calculation example: Employee 30 years old, income 74,000 € per year before taxes, no children
Base cost 805 €
per month
The base cost is the same with every public health insurer. You make more than 5,512.50 € per month, so you pay the maximum price. It's 14.6% of 5,512.50 €.
Insurer surcharge 121 to 193 € per month
Health insurers can charge a little more than the base cost. The surcharge (Zusatzbeitrag) is around 2.5% of your income.
Nursing care 232 € per month
Nursing care insurance (Pflegeversicherung) costs the same with every public health insurer. You make over 5,512.50 € per month, so you pay the maximum price.
Your employer pays 562 to 631 € per month
When you are an employee, your employer pays half of your health insurance.
You pay the maximum price 595 to 631 €
per month
This is how much you pay every month for public health insurance. You make more than 5,512.50 € per month, so you pay the maximum price.
Private health insurance calculation example
Calculation example: Employee 30 years old, income 74,000 € per year before taxes, no children
Base cost 255 €
per month
Nursing care 59 € per month
Your employer pays 157 € per month
When you are an employee, your employer pays half of your health insurance.
You pay 157 € per month
The basic costs include outpatient, inpatient and dental services, as well as some alternative practitioner services and other benefits. In this example, a deductible of €1,000 per year is included.
In addition to these services, you can also make the insurance cover even more extensive, such as single/double rooms and chief physician tariffs. It is also possible to choose tariffs that do not have a deductible, which are then somewhat more expensive.
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