Insure yourself with Central Krankenversicherung AG or do you prefer statutory insurance?

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As a freelancer, in some cases you have the choice of whether you prefer to continue to take out statutory insurance or in a private health insurance such as Central Krankenversicherung AG switch. The decision will depend on your personal circumstances and your life planning.

Not every freelancer or self-employed person has the freedom to choose between statutory or private Health insurance, because the insurance option in a statutory health insurance fund usually requires certain ones Pre-insurance periods ahead. However, if you have a choice, don't just compare the cost of health insurance at your current age.

Use the Central Krankenversicherung AG tariff calculator

  • On its website, Central Krankenversicherung AG offers you the option of subscribing to the tariff for full health insurance by Tariff calculator to estimate approximately.
  • However, you should take into account that the result can only consist of an approximate value, since certain individual factors such as a risk surcharge due to certain previous illnesses are not here are recorded.
  • The tariffs of the private Central Krankenversicherung AG will u. a. depend on how old you are.
  • This is a criterion that - like the individual health situation - does not play a role for the statutory health insurance companies. As a voluntary member, you pay a uniform contribution rate of currently 15.5% Sick pay respectively. 14.9% without sickness benefit (as of 2012).
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Take individual life planning into account

  • Your own life planning can also be used to decide between legal and private Health insurance play a major role.
  • Because the private health insurances do not offer you the possibility of a non-contributory family insurance.
  • You should also keep in mind that the contributions to private health insurance despite the old age provisions can often be much higher than the health insurance contributions of the pensioners with the statutory ones Health insurances.
  • The later you switch to private health insurance, the higher the contributions are usually there.

For young and healthy freelancers, the contributions to private health insurance are often attractive. If you intend to work independently for a lifetime, however, you should also take into account that you will have to continue paying the contributions in full even if the order situation is poor.

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