Self-employed persons

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.

The good news:

You can become an SBK member in just two steps and enjoy all of the benefits of membership. Find out more here.

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.

A personal cosultant for your health questions and tariff matters

Strong contributions and services for self-employed persons

Self-service options in our app

Make a free consultation with our English-speaking experts to find a tariff that fits your needs. Or call us directly 0800 072 572 587 00 (free of charge within Germany)

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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.

The statutory minimum assessment threshold is € 1,248.33 (value for 2025). The maximum threshold for self-employed persons is € 5,512.50 (value for 2025). So if you earn less than the minimum assessment threshold, your contribution will be calculated on the basis of this threshold. If you earn more than the maximum limit, this maximum limit is the maximum amount used to calculate your contribution. Your contribution is currently 17.8% (or 18.4% if you are entitled to sick pay) of your income, taking into account the specified assessment limits.

Eine Frau sitzt in einer Beratungszone der Arztpraxis und wird von ihrer Ärztin zu Vorsorgeuntersuchungen beraten.

The right specialist for you

Your SBK consultant will find specialists and arrange an appointment for you. This allows you to focus entirely on your recovery and get well soon, for your everyday life and your career.

Ein Mann steht an einem Geländer angelehnt und benutzt sein Handy.

Self-services in our app

With Meine SBK, your personal online self-service branch, you can sort out lots of things online, without having to worry about opening hours or service times. This saves you time and gives you the flexibility to focus on your core business.

Zwei Frauen und ein Mann machen gemeinsam auf einer Wiese im Park Sport.

Taking care of your health

SBK helps you with preventive care in a number of different areas. Your SBK consultant will be happy to help you choose the right preventive check-ups for you.

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 SBK 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.