Save time with the right health insurer
As a self-employed person, there is one thing you don't have: time. That's why SBK provides you with a personal advisor who takes care of many things for you and advises you - especially on financial matters such as contribution amounts and relief, proof of income, and health insurance. With SBK at your side, you are well prepared for any situation. This allows you to concentrate on what is important to you.
We would be happy to show you why SBK is the right health insurance for you, and provide you with individual advice on contributions and benefits.
Make a free consultation with our English-speaking experts to find a tariff that fits your needs. Or call us directly
Strong services and fair contributions
As a self-employed person, you can take out voluntary insurance through the SBK and benefit from our numerous excellent services and individual support. You decide which solution is best for you. The amount of your contributions is always based on your income, so your contributions are tailored to your individual financial situation.
Basis for Contribution Calculation
The amount of contributions for self-employed persons depends on income. This means that your contributions are tailored to your individual income situation.
Your contribution is calculated based on the SBK contribution rate and your total income. If, in addition to your gross profit, you have interest income, rental income, or other earnings, these are also included in your total income.
If your income falls below the minimum assessment threshold set by law (€1,318.33 per month), contributions are calculated based on this minimum amount.
If your income exceeds the maximum assessment ceiling of €5,812.50 per month, you pay contributions calculated only up to this maximum.
This means that in 2026 you will pay contributions based on:
a minimum income of €1,318.33 per month, and
a maximum income of €5,812.50 per month.
FAQ about insurance cover for self-employed
With SBK you can voluntarily take out statutory health insurance as a self-employed worker. The contributions are based on your income. As a self-employed worker insured through SBK, you get a personal consultant who is your point of contact and can answer all of your questions competently as a specialist. Our special service for self-employed workers: we are happy to advise you on whether your tariff really is the right one for you and can check your contribution calculation at any time to ensure it is correct. We will also send you regular reminders to submit your current income tax assessment. We’ll sort it all out for you, so you have time for the important things.
If you are both an employee and a self-employed worker, your situation needs to be examined to determine which of these activities would be considered your main employment. If the analysis of your weekly working hours, the amount of your salary and your projected earnings determines that your self-employed work is your main employment, this will naturally affect your insurance status and the contributions. At SBK you can get comprehensive advice about this as well, so you can have the peace of mind of knowing you are paying the right amount.
Long-term loss of earnings over several weeks can quickly have financial consequences for self-employed workers and freelancers. That’s why a quick recovery combined with good protection is especially important for self-employed workers. You can enjoy comprehensive insurance cover with the sick pay entitlement option. This option can cover up to 70% of your average gross income. You can also use the SBK Premium Sick Pay Tariff to get other benefits in the event of loss of earnings or get additional protection with extra insurance through our partner ARAG – we’ll be happy to advise you on this.
Especially when compared to private health insurance, statutory health insurance is seen to have more stable contribution rates. For example, if your income is reduced because you retire or because your business did not do so well one year, your contributions for voluntary statutory health insurance will also be reduced. In the case of private health insurance, contributions may increase drastically with age, as they do not depend on your income. With statutory health insurance you can therefore have greater peace of mind with your financial planning.
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