SBK sick pay optional tariff for self-employed persons

For self-employed persons, freelancers, and employees in temporary employment, several weeks of lost work can quickly have financial consequences. That is why people in these types of employment are particularly dependent on their health.

For self-employed persons, statutory sick pay already provides solid protection. You can obtain optimal additional protection with a special optional tariff: the SBK optional sickness benefit tariff for self-employed persons, freelancers, and temporary employees.

The prerequisite for this optional sickness benefit tariff is entitlement to the statutory maximum sickness benefit. If you have any questions, please contact your personal SBK consultant.

The sickness benefit from the optional sickness benefit tariff, together with your statutory maximum sickness benefit (€128.63 per calendar day in 2025), may not exceed 70% of your average gross income. Your additional optional sickness benefit will be paid together with the statutory maximum sickness benefit. Important: If your business is continued by your own employees during your incapacity to work, for example, you will not receive any optional tariff sick pay from the optional tariff.

You can take advantage of this rate if you are self-employed, freelance, or employed on a temporary contract. You can obtain the application form directly from your personal SBK consultant.

Please send the completed and printed application form together with your current income tax assessment by mail to SBK. We do not require any further documents from you. Your insurance cover always begins on the first day of the month – from a date in the future that you can choose yourself. You will enjoy full insurance cover after three months of membership.

If you have any questions, we will be happy to advise you.