Pensioners
All of the information you need concerning your contribution when you retire

Your contribution to health and nursing care insurance
As a pensioner, you pay the same health insurance contribution rate of 16.1%, just like other insured parties. This contribution rate is a combination of the general contribution rate of 14.6% and the additional contribution of 1.5%. For nursing care insurance, as well, you pay the same contribution as any other insured party. In 2023, the contribution rate for nursing care is 3.4%.
The contributions for health and nursing care insurance are calculated on the basis of your individual income. The following sources of income are taken into account in this case:
- Statutory pensions under the German pension insurance scheme and agricultural pensions
- Foreign pensions
- Benefit payments from your former employer
- Earnings from lump-sum benefits and lump-sum settlements
- Income from self-employed work (earned income)
Revenue type | Contribution rate for health insurance | Contribution rate for the additional contribution | Contribution rate for nursing care insurance |
Statutory pension under the German pension insurance scheme | 14.6% | 1.5% | 3.4%* |
Foreign pensions and agricultural pensions | 7.3% | 0.75% | 3.4%* |
Benefit payments and earned income | 14.6% | 1.5% | 3.4%* |
* For members without children, the contribution rate increases by 0.6 contribution rate points to 4.0% at the end of the month in which the member reaches the age of 23.
Useful information:
If the total amount of benefit payments and earned income is below the statutory monthly minimum income limit of €169.75 (2023), the obligation to pay contributions shall not apply.
In total, however, contributions are only calculated up to the contribution assessment ceiling. In 2023, this ceiling is €4,987.50 per month.
Subsidy from your pension insurance provider
The pension insurance institute contributes towards the health insurance contributions from statutory pensions at a rate of 7.3% and to the additional contribution at a rate of 0.75%. Contributions from foreign pensions, benefit payments and income from self-employed work are paid by you alone.
Please transfer your contributions to SBK, HypoVereinsbank, IBAN: DE58 7902 0076 0027 9131 99, BIC: HYVEDEMM455