Marriage-like community and health insurance
Visits to the doctor, medication, hospital stays - statutory health insurance covers the entire spectrum of medical care. If you are married and do not have your own income, family insurance can be considered. In this you are insured free of charge - however, you do not have this option if you live as a couple in a marriage-like community.
If you live in a marriage-like community, the benefits of the non-contributory family insurance do not apply to you. On the other hand, however, it can be the case that the income of your partner or Your partner is taken into account - even if they are not married.
No family insurance for cohabiting communities
- In the statutory health insurance there is the possibility of family insurance. Under certain circumstances, the spouse and children of a member of the insurance. The civil partner is also insured free of charge if a civil partnership was established in accordance with the Civil Partnership Act.
- The corresponding legal regulation can be found in § 10 SGB V. With family insurance, the partner's income must not exceed a certain limit. If you are gainfully employed, the limit of 450 euros per month applies.
For health insurance as a community of needs apply
- If you are self-employed full-time, you can take out voluntary insurance with statutory health insurance, provided you have the appropriate prior insurance. However, the monthly contributions are based on fictitious gross income, which many self-employed people can only dream of.
- There is therefore the option of reducing the premium, assuming fictitious income of just under 1,400 euros instead of over 2,000 euros (as of June 2014). This regulation results from § 240 Abs. IV SGB V.
- If you live together with your partner in a relationship similar to marriage, a so-called community of need can be accepted. The result is that not only your own income is used to calculate the contribution.
In the statutory health insurance, not only compulsory insurance - for example ...
Reduced contributions for the self-employed and crediting of the partner's assets
- So do you want to reduce your contribution as a full-time self-employed person because the income is not is enough, the health insurance will also cover the income and financial situation of your partner check. For example, a reduction in contributions is not possible if half of the income is earned by you and your partner or Your partner exceeds EUR 2,073.75 (as of 2014).
- The assets are also taken into account: A reduced contribution is also not possible, if one exists Your and your partner's assets are four times the monthly reference figure (2014: 4 times 2,765 euros = 11,060 Euro).
- This makes the bill of the statutory health insurance tougher than that of the job center: § 12 para. 1 No. 1 SGB II, 150 euros per year of age for each adult member of the Community of needs credit-free, this can - depending on the age of the partner - together far more than 11,060 euros be. The details of the income and assets crediting result from the "Uniform principles for the assessment of contributions" of the National Association of Statutory Health Insurance Funds.
Anyone who lives together similarly and has statutory health insurance can make special rules for calculating contributions. The statutory health insurance also knows the legal figure of the so-called "community of need".
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