sbk.org Magazin Arbeitgeberservice Leistungserbringende Karriere Unternehmen Presse & Politik Search
Become a member Contribution rate Free family insurance Registration for Meine SBK SBK bonus program
DeutschLogin
Become a member Become a member Expat Employees Family Trainees Students Self-employed workers Become an SBK member in one step Awards About us Become an SBK member in one step Declaration of accession Call-back service prospective clients Contact form prospective clients About us Responsibility and Sustainability Health care in Germany Insurance & Service Insurance & Service Services Insurance and tariffs Services Alternative medicine Being abroad Personal advice Precaution and prevention Recovery Pregnancy Children Dental health Insurance and tariffs Contribution Family insurance Nursing care insurance SBK healthcare card Meine SBK Meine SBK Frequently asked questions SBK electronic patient record (ePA) Terms of use SBK electronic patient record (ePA) Objection to the electronic patient record Contact
Become a member Contribution rate Free family insurance Registration for Meine SBK SBK bonus program
DeutschSearch
Become a member Contribution rate Free family insurance Registration for Meine SBK SBK bonus program
Contact

0800 072 572 572 50

7 days / 24h toll-free within Germany 

0800 072 572 587 00
8 a.m. to 8 p.m. toll-free within Germany

Menu Become a member Health care in Germany Insurance & Service Meine SBK Contact Become a member Expat Employees Family Trainees Students Self-employed workers Become an SBK member in one step Awards About us Insurance & Service Services Insurance and tariffs Meine SBK Frequently asked questions SBK electronic patient record (ePA) Terms of use Become an SBK member in one step Declaration of accession Call-back service prospective clients Contact form prospective clients About us Responsibility and Sustainability Services Alternative medicine Being abroad Personal advice Precaution and prevention Recovery Pregnancy Children Dental health Insurance and tariffs Contribution Family insurance Nursing care insurance SBK healthcare card SBK electronic patient record (ePA) Objection to the electronic patient record sbk.org Magazin Arbeitgeberservice Leistungserbringende Karriere Unternehmen Presse & Politik DeutschLogin
Eine Frau arbeitet im Homeoffice und nimmt gerade mit einem Headset an einer Videokonferenz teil.

 

  • English-speaking consultant
  • Go to the doctor without paying in advance
  • Fast and convenient online services
  • Strong services, fair contributions
  • Contact us now

    Save time with the right health insurer

    Your personal consultant will show you how.

    As a self-employed worker, there’s mainly one thing you have very little of: time. That’s why, with SBK, your personal consultant is there to support you, to take care of lots of things for you and give you advice – especially when it comes to money-related topics like contribution amounts and relief, proof of income and protection in the event of an illness. With SBK on your side, you are in the best position to handle any situation. That way you can focus on what’s 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.

    Friederike Schaber

    The circumstances of every self-employed worker are different: at SBK we recognise that and address your needs on an individual and personal basis. We are on your side and will provide comprehensive advice to suit your situation. Call us on 0800 072 572 587 00 (free of charge within Germany) or send us a message.

    Send message

    Strong services, fair contributions

    As a self-employed worker, you can get voluntary insurance through SBK and enjoy the many excellent services we provide, as well as individual support. Your personal consultant is always on your side, a specialist when it comes to everything relevant to self-employed workers. Whether it concerns protection in the event of illness, income thresholds or changes to your income, potential contribution relief or bonus rewards.

    You decide what solution suits you best. The contribution amount always depends on your income, so your contributions are adjusted to match your individual financial situation.

    The legally prescribed minimum assessment threshold is €1,178.33 (value 2024). The ceiling threshold for self-employed workers is €5,175.00 (value 2024). So if you earn less than the minimum assessment threshold, your contribution is calculated from this threshold amount. If you earn more than the ceiling threshold, this ceiling threshold is the maximum amount used to calculate your contribution. Your contribution is currently 15.7% (or 16.3% with sick pay entitlement) of your income, taking the specified assessment thresholds into account.

    Whatever your pay, with SBK you get a wide range of benefits and services for overseas stays, alternative medicine, preventive care and much more. And you get the peace of mind of knowing you are protected in any eventuality and can always get the right answers to your questions from your personal consultant.

    Top SBK services for self-employed workers

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


    The right specialist for you

    Exclusively with SBK: your personal consultant will find you specialists recommended by doctors and patients in your area and arrange an appointment for you. That way you can focus on your recovery and get better more quickly so you’re fit and healthy for your day-to-day life and for your business.

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


    Do everything online with Meine SBK

    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.

    Important questions about insurance cover for self-employed workers

    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.

    0800 072 572 572 50

    7 days / 24h toll-free within Germany 

    0800 072 572 587 00
    8 a.m. to 8 p.m. toll-free within Germany

    Folgen Sie uns auf

    Facebook
    Instagram
    YouTube
    X
    LinkedIn
    XING
    TikTok
    Cookie Settings Privacy Legal information Accessibility & simplified language Contact SBK

    Your website settings

    We use required cookies, which are necessary for the operation of the website, in order to provide you with an optimal website experience. Additional cookies and technologies are only used if you agree to them. These cookies and technologies are used for statistical purposes and for other functions on the website:

  • Required cookies
  • Statistic cookies
  • External services
  • By clicking on ‘Agree’ and then on ‘Save’, you accept this and the transferring of your data to third parties.

    For more information, including regarding the processing of data by third party providers, see your Settings and our Privacy Policy. You can decline the use of cookies or change your Settings at any time.

    About the settings Accept

    You have the choice of which cookies and external services you allow:

    These cookies are necessary to enable you to navigate through the pages and use essential functions.

    These cookies help us to better understand user behaviour.

    On this page, services provided by third parties are integrated. They provide their services independently. In individual cases, cookies must be set for these functions.

    Privacy Policy

    Save Settings