What type of health insurance is right for me?
If you are self-employed, you have to take care of your health insurance yourself.
Self-employed people usually have the choice of whether to take out statutory or private insurance. Many self-employed people opt for private health insurance (PKV).
Self-employed people can always take out private insurance, regardless of how much they earn. While the contributions are low in younger years, they often become very high in old age.
Private health insurance providers are not allowed to refuse you. They must insure you at least at a basic rate.
If you are self-employed, it might make sense to opt for statutory health insurance on a voluntary basis. For example, if you have family: In the statutory health insurance system, your family members will be insured free of charge.
You should carefully consider which of the two systems to choose. It is often difficult to switch to the other system later.
If you are an employee, you are eligible for statutory health insurance (GKV). Your employer will then register you with a health insurance provider of your choice. He or she will pay half of your monthly contribution. The remainder will be deducted directly from your salary and transferred to the health insurance provider.