Legally or privately assures?

Legal health insurances and private health insurances are two absolutely different possibilities of the security in the German social security system.

Legal health insurance
The legal health insurance schemes are open for each, up to few exceptions. They work after the Solidarprinzip. The contribution is dependent on the income and on the contribution sentence different according to health insurance scheme.

Private health insurance
Not everybody can make sure in the PKV. Employees and employees are bound to the compulsory insurance border. She fixes whether this professional guild may make sure privately or legally. Independent / freelances can make sure regardless of the income border privately.

Comparisons and information
The private health insurance - you want not only comparisons? Information is important to you.

Artist's social cash
A good possibility to save money offers the artist's social cash. In her independent artists and journalists can be insured.

The contributions of the artist's social security amount about to 50% of the legal contributions.

As a member of the artist's social cash one pays ~ half of the legal contributions to health insurance, social security, nursing assurance and pension scheme. Independent artists and journalists are treated as equal thus to employees. The "employer's contribution" to be paid is taken over from the artist's social cash.

The artist's social cash finances itself and the shares paid by her in pensions, health insurance and nursing assurance from federal subsidies and deliveries, the "Verwerter" must make.

There are other infos on http://www.kuenstlersozialkasse.de/
and
http://www.kskforum.de/