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In Germany, this is less. Suppose you are insured through the public system (Krankenkasse) and you have a salary high enough to pay the maximum rate, you pay 36
by Loic 9y ago
In Germany, this is less. Suppose you are insured through the public system (Krankenkasse) and you have a salary high enough to pay the maximum rate, you pay 365.40€/month (your employer pay about the same amount). If you are self employed, you pay 656.85€ (employer and employee part).
This covers you, your kids and your partner if he/she is not working. If your partner is working, he/she pays like you.
So, imagine you are a family of four, both self employed, the maximum you pay is 656.85€ x 12 x 2 = 15764€/year. This covers 100% of the kids medications, 70 to 100% of the adult medications, 100% of the visit to the doctor and stay in a hospital. You do not have to pay and get reimbursed, you just provide your insurance card and the doctor/hospital will automatically charge your insurance (Krankenkasse).
The system is working a bit differently if you opt-in for a private insurance.
Edit: I cannot reply to the question about the maximum, so, answering as an edit. Yes you have a maximum and the values I gave are at this maximum.
- trymas 9y agoSlight offtopic. Did I understand right that there is a limit for 'Krankenkasse' monthly payment? Where I live - there is no limit. If your _payroll_ is ~1315eur, that means your _income_ is 1000eur, because you've paid (or employer did that for you): - 15% income tax (~197eur), - public health insurance 6% (~79eur), - public retirement fund 3% (~40eur). - employer pays 31.18% of the _payroll_ to public health insurance (~410eur). Making the __whole employment price__ - 1726eur, of which 489eur goes to public health insurance. If your __income__ is 10 000eur - everything is tenfold. I do not know nuances of self employment, but you pay less for the public health insurance. From 1726eur, you'd pay ~234eur for public health insurance and ~181eur income tax - leaving you with ~1311eur.