Take out voluntary health insurance with the IKK
If you would like to take out voluntary health insurance with the IKK, you must meet the requirements. If so, you will be accepted by the health insurance company.
Voluntary health insurance with the IKK or another Health insurance can only be taken out if you are exempt from compulsory health insurance. This is only the case with certain professional groups.
You can only take out voluntary health insurance under certain conditions
- You can only take out voluntary insurance if you are not in a dependent employment relationship. This is the case if you earn above the income threshold (€ 3825; as of 2012) or if you are self-employed.
- In this case you have the choice between the choice of a private health insurance company or membership in a voluntary statutory health insurance company. You can complete the latter at the IKK.
The IKK accepts the hardship regulation
- As an IKK, the Association the guild health insurance fund, under which various health insurance funds have come together nationwide. If you decide to take out voluntary health insurance with a statutory health insurance company as a self-employed person or as a freelancer, a minimum amount is usually applied. This amounts to a monthly income of € 1968.75.
- If you are self-employed full-time, this will automatically be used by the health insurances for the calculation of the contribution, even if you book less profit. However, some health insurance companies accept hardship regulations, such as the IKK Berlin-Brandenburg.
- If you can prove that you have a lower income, the ceiling will be reduced to € 1,312.50 and you will pay around € 100 less per month for your health insurance.
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Pay attention to the services of the IKK and compare them with other health insurances. Only then should you make a final decision.
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