What is the monthly cost of voluntary health insurance with the AOK?? approx. 14, 5 % of your monthly income plus approx. 3 % for the care insurance, which is also obligatory. MINIMUM CONTRIBUTION together ca 180 € 2019 the contribution rate for health insurance at the AOK PLUS is 15.2 percent.
Can you take out voluntary health insurance with the AOK?
Voluntary health insurance with AOK | AOK Voluntary health insurance with AOK Many people have the option of taking out voluntary health insurance with AOK. This is a good choice, because you will enjoy the reliable protection of the statutory health insurance (GKV).
Spouse and children without own income insured free of charge fair and secure premiums without health check strong benefits without extra premiums
In Germany every citizen must insure himself with a health insurance company. For most people, insurance in a statutory health insurance is mandatory. This includes, for example, the majority of employees and pensioners. However, according to the law, certain groups of people can decide for themselves whether to take out private or voluntary statutory insurance.
- So if there is talk of voluntary health insurance, this refers to the freedom of choice between private and statutory insurance such as the AOK.
- With the decision for voluntary health insurance in the AOK you are usually also insured for nursing care with us.
- As a voluntarily insured member of the AOK you receive the same benefits as in the statutory compulsory insurance.
Voluntary insurance with the AOK is open to many people. This includes employees, self-employed persons, students, pensioners, civil servants and other groups of persons. Depending on the group of persons, the law provides for certain requirements. Here you will find an overview of the most important regulations.
As an employee, we can insure you voluntarily as soon as your annual gross income earned from employment exceeds a certain limit. It is set by law every year and is called the annual earnings limit (JAEG) or compulsory insurance limit. For most insured persons, the general annual income limit applies. It is 64 in 2022.350 euros per year. In addition to your current monthly salary, one-off payments such as vacation pay and Christmas bonuses are also included in the calculation if you receive these payments regularly – i.e. at least once a year. If you start a new job and immediately earn above the annual income threshold, you can take out voluntary insurance with the AOK.
If you have been compulsorily insured up to now, you will automatically switch to voluntary insurance at the end of the year, provided you also exceed the annual income threshold in the following year. You do not have to do anything to continue to benefit from all the advantages of the statutory health insurance. We will inform you about the change. If you would like to switch from another statutory insurance to the AOK, all you need to do is submit an application. If you are just starting out in your career, were last not covered by compulsory insurance, and your salary is above the annual income threshold, you can also take out voluntary insurance with the AOK. Please contact us, we will be happy to advise you on this matter. If you take up employment in Germany for the first time and your salary is above the annual income threshold, we can also insure you voluntarily with the AOK. We will be happy to advise you personally on this.
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For many, the decisive argument for voluntary health insurance with the AOK is: If the partner or children have no income of their own or a low income, they are generally insured free of charge and can enjoy AOK benefits. Further advantages:
Secure contributions: The contribution is calculated fairly according to income – age and individual health risks do not play a role for us. No health check: There are no risk surcharges or exclusion of certain illnesses with the AOK. Periods free of contributions: As a rule, you do not pay health insurance contributions while you are receiving sick pay, transitional pay or maternity pay. Within the framework of family insurance, this also applies during parental leave if your spouse is insured in a statutory health insurance fund. With private insurers, premiums usually continue to be paid in full. Unbureaucratic billing: With us, you do not have to submit any invoices. As a rule, it is sufficient to show the electronic health card to the doctor or hospital. No advance payments: Privately insured must pay in advance even for high bills. AOK-insured pay only the statutory co-payments. Strong benefits: In addition to comprehensive medical care in the event of illness, the AOK offers numerous extra benefits. If you wish, you can supplement your cover to suit your individual needs.
After PKV return to GKV: If you leave the statutory health insurance, you can only return in exceptional cases. You should therefore also make your decision with a view to the future. The contribution is based on your income. You pay a certain percentage of your monthly income.
The income threshold is the upper income limit. You do not pay contributions for income in excess of this. The income limit for assessing contributions is 58.050 Euro per year or 4.837.50 euros per month (2022). The minimum assessment limit (Mindestbemessungsgrenze) is the lower income limit. It is available at 1.096.67 euros per month (2022). If you earn less, you pay the minimum contribution of.
Your contribution is made up of a part for health insurance and a part for long-term care insurance. The legislature has set contribution rates for each of these, which are binding for all statutory health insurance funds.
The general health insurance contribution rate is 14.6 percent of monthly income. The reduced contribution rate is 14.0 percent. In addition, in both cases, the individual additional contribution of your AOK is added,, For long-term care insurance, all legally insured persons with children pay 3.05 percent, childless insured persons from 23 years pay 3.3 percent.
When the general contribution rate applies, when the reduced rate applies and how your income is calculated depends on which group of people you belong to.
For employees, the general contribution rate of 14.6 percent applies with entitlement to sick pay plus additional contribution from your AOK. We calculate the contribution on the basis of a monthly income equal to the contribution assessment ceiling. You therefore pay contributions for a fictitious income of 4.837.50 per month (2022), even if your actual income is higher. You do not have to pay the entire contribution on your own. The employer pays half of the contribution for health insurance, as in compulsory insurance. Only those employed in the state of Saxony and those without children pay a slightly higher contribution to long-term care insurance. Self-employed and freelancers can conveniently adjust their insurance coverage to their needs. Opt for particularly favorable contributions or extended coverage with sick pay. For more information, see the article, The same rules apply to voluntarily insured students as to other voluntary members. Depending on the type of income, different contribution rates apply for health insurance. On your income from the statutory pension we apply the general contribution rate of 14.6 percent plus additional contribution. However, you only pay half of this yourself. Upon application, your pension insurance provider will grant you a contribution subsidy for health insurance, which covers the other half. You also receive the allowance for widow's pensions. You bear the contributions for nursing care insurance and other types of income alone:
14.6 percent plus additional contribution on income from self-employment, if the insurance includes a sick pay entitlement, and on pensions such as company pensions 14.0 percent plus additional contribution on income from self-employment without a sick pay entitlement, from renting and leasing, investment income and private life and pension insurance 7.3 percent plus half of the additional contribution on foreign pensions
Get expert advice and become a voluntary member of our strong community. Our consultants are available for a detailed discussion with you. The offers of the AOK differ regionally. With the postal code of your place of residence, we can determine the AOK responsible for you and show you information about the voluntary insurance of the AOK.
If the AOK family insurance is voluntary health insurance?
If you choose voluntary health insurance from the AOK, you will receive fair and secure health protection. How high the health insurance contribution is that a legally insured person pays depends very much on his or her current life situation and income. The contributions of the AOK are always favorable and fair.
What requirements do I have to meet for voluntary insurance with the AOK Saxony-Anhalt??
What requirements do I have to meet for voluntary insurance with the AOK Saxony-Anhalt?? The AOK Saxony-Anhalt is a regionally open health insurance fund for Saxony-Anhalt. The basic requirements are that you live in Saxony-Anhalt, are employed here or study at a university in Saxony-Anhalt.
What does voluntary health insurance cost?
How high are the contributions? – The costs for voluntary health insurance depend on the income of the person to be insured Cost check: The basis for the calculation of contributions is, as for all members of the statutory health insurance, the average monthly income.
Here, the total economic capacity is taken into account, which also includes rental income and investment income. The resulting amount is divided by twelve. By law, the notional minimum assessment base is currently 1.038,33 EUR is. The amount of the monthly contribution limit is 4.537.50 EUR.
If your income exceeds this amount, the excess portion of your earnings remains non-contributory. Self-employed and freelancers are considered to have income above the contribution assessment ceiling. But that does not always apply.
Even the reduced rate is not affordable for some. In these special cases, or if a start-up grant is paid by the Federal Employment Agency, an even more favorable classification can therefore be made. Self-employed and freelancers can choose between the general and a reduced contribution rate.
The general contribution rate is currently 14.6 percent and includes payment of sick pay from the seventh week of illness. If you waive it, you pay a reduced contribution rate of 14.0 percent. Since the health insurance companies are allowed to charge additional contributions in different amounts, we can only list the minimum contribution in the following table: The contribution rate for long-term care insurance is currently 3.05 percent.