When you enter the working world, it's time for you to get your own heath insurance.
The contributions you pay for nursing care and health insurance during your training are calculated from your income. The SBK contribution rate in 2020 is 15.9%. Of that, your employer pays half.
The contribution rate for nursing care insurance is 3.05%. Once you reach 24 years of age, the contribution rate increases by 0.25 points to 3.30% if you do not have any children. Of that, your employer pays 1.525% in each case.
Assuming that your monthly income as a trainee is €600, your insurance contributions with SBK would be:
| Health insurance: ||€600.00 x 8.60% =||€51.60 |
|Nursing care insurance:||€600.00 x 1.525% =||€9.15|
| Total per month: || ||€60.75 *|
*Your employer also chips in with an additional €60.75 for your nursing care and health insurance.
Your employer transfers the contributions directly to us. Contributions for pension and unemployment insurance that are paid first to us are then passed on immediately to the responsible insurer. If you do not earn more than €325 during your training, you do not pay any contributions. In this case your employer pays all contributions for you.