Poll: How high are your monthly health insurance costs (private or statutory)

Wendy Streitparth wrote:

I have to say that I was shocked by what Michael is paying, until I realised that I have 70% free coverage as my husband was a civil servant. The remaining 30% costs me € 230,00 (or thereabouts!) but I am sure there are cheaper options, depending on what risks one is prepared to take (i.e. considering one's state of health).

Gudrun Maydorn wrote:

Here is a somewhat simplified explanation of the compulsory German health insurance system. (There are a number of statutory health insurance companies and their fees may vary slightly. I cannot comment on private health insurance, because I have no first-hand knowledge of it.)

According to statistics, people in fulltime employment in Germany currently earn an average 3045 € per month. Compulsory health insurance contributions are approximately 15.5 % of the monthly income, i.e. approx 472 €. The fees are independent of family status or the number of children.

If you are an employee, you and your employer share that cost (i.e. approx 236 € each), but if you are self-employed you have to pay the full amount. And if you earn more, you pay more.

A self-employed translator with German health insurance fees of just 260 € would be earning only a fraction of the national average income.



[Bearbeitet am 2018-11-16 09:07 GMT]

[Bearbeitet am 2018-11-16 09:10 GMT]

High health insurance and pension insurance fees as well as a fairly high cost of living are some of the reasons why translators living and working in Germany have to charge much higher rates than those living in less expensive countries.

[Bearbeitet am 2018-11-16 09:12 GMT]