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Social insurance job
Anyone who has a permanent job subject to social insurance must, apart from the choice of the cash register, have little concern about his health insurance: it runs completely automatically over the job. Problems usually only appear when you change your professional status:
Because in return to all other insurance since April 2007 almost everyone is obliged to have health insurance. At the same time, however, one has to deal with bureaucratic hurdles when falling out of a worker's "normal" status.
Whoever wants to become self-employed, for example, has to deal with the question of whether he is legally or privately insured and whether he is self-employed or self-employed. And he has to accept that there are minimum contributions in the statutory health insurance fund. Who is in a family insurance can not exceed certain income limits. And if you have a minijob, you are not assured about it, but you have to take care of yourself.
But who must assure themselves? What are the minimum amounts of statutory health insurance? How does it actually look with minijobs and self-employed independence? And what does the new basic tariff of the private health insurance company bring? stern.de shows the most important points at a glance.
Health insurance for self-employment
Anyone who is self-employed can remain in the statutory health insurance if he has previously been legally compulsorily insured for at least twelve months, or for at least 24 months for the last five years. He can also switch to private health insurance. The decision must be taken no later than three months after the end of the insurance period. The hook when switching to the private health insurance: A return to the legal health insurance is only possible if one before the 55. To become a social security worker.
Whoever then decides on the statutory health insurance has to pay a minimum contribution: in its calculation the health insurance company goes first from a monthly income of 3600 Euro, whereby with a contribution rate of 13,9 per cent a monthly contribution of approx. 532,80 euro per month would result , Anyone who can prove a lower income, such as a tax return, which can also be submitted later, is the minimum value of 1242 Euro per month. For a contribution rate of 13,9 percent, a monthly health insurance contribution of 183,98 Euro would result.
Exception: self-employed artists and journalists active in the general public have to insure themselves through the artist's social insurance and to assess their income there.
Self-employed in the Nebenberuf
If you have a job that is subject to social insurance and you just want to become self-employed, you do not have these problems: As long as the firm job is more money and costs more time, the social insurance can simply continue as before; the income from self-employment is not calculated. It becomes problematic if self-employment is time and financially gaining the upper hand: then you have to insure yourself as a self-employed self-employed, whereby the income from the fixed job are also included.
Who an off or Further education doing, studying, or raising children, and being self-employed, can take out a reduced health insurance if he spends less than 18 hours a week on self-employment. The design value for the minimum contribution is then 828,33 €, with a contribution rate of 13,9% this is 122,59 Euro per month.
Health insurance during your studies
Students can remain family-insured in the statutory health insurance fund free of charge until the 2 birthday day, provided they do not earn more than a monthly 355 Euro (with a minijob 400 Euro). The health insurance costs 49,40 Euro, the nursing insurance for childless students via 23 9,09 Euro and the long-term care insurance for all other students costs 7,92 Euro. BAföG recipients receive a subsidy to health insurance.
In principle, the job has no effect on the health insurance during the study, if the student remains below certain hour numbers. There are also differences between the semester breaks and during the lecture period; Health insurance does not matter how much is earned as long as you have enough time to study.
Student health insurance - and then?
The cheap student health insurance can until the completion of the 14. Specialist semester - at the latest until the end of the semester in which the 30. Year of life is completed - be claimed. But: Under certain conditions, it can be extended beyond the aforementioned maximum duration, eg in the case of raising children, prolonged illness or participation in university committees.
If all conditions are fulfilled, some health insurance companies can also remain in student health insurance during a doctorate or a master's degree. Those who no longer meet the conditions for student health insurance, for example because they are working too much or have exceeded the semester or age limit, can voluntarily continue to insure themselves (the conditions are the same as those of self-employed self-employment).
By the way: Students can also be exempt from the statutory obligation to insure themselves and can take out private insurance. But: Liberation can not be revoked. It applies throughout the course and beyond. Only through a job subject to social security can one return to the insurance obligation again. Those who are self-employed or unemployed after their studies, for example, are not allowed to return to the statutory health insurance.
In the statutory health insurance family members are insured without their own income for free - both children up to the 25. Birthday as well as for spouses and registered partnerships.
However, the free family insurance ends when you work more than half-time full-time and achieve a total income of over 355 € per month. In the total income are also other income - for example, from capital or a mini-job - to include.
However, if it is only a self-employment mini-job, 400 Euro is allowed per month.
In private health insurance, on the other hand, there is no free family insurance, but a separate contribution must be paid for each family member. For children, a student's or student's contribution is paid, but there is no limit on children's income. If the parents are entitled to an allowance as an official, the children are also included in the allowance as long as they are still entitled to child allowance.
Health insurance at Minijob
Anyone who carries out a minijob with an income up to 400 Euro is either insured through his main job, through family insurance or voluntarily. Only through the minijob can not be insured as an employee.
It is possible to practice several minijobs simultaneously, but not with the same employer. The merits of all the occupations are aggregated. They may not be over 400 Euro. As soon as the limit is exceeded, social insurance contributions are due for the entire merit and are, for example, expelled from student health insurance.
In addition to an insurance job requiring 400-Euro, only one minijob is possible, which in this case can still be settled by the employer on a flat-rate basis. However, if a number of minijobs are employed in addition to a main occupation, all are aggregated with the main employment and the social insurance is calculated accordingly.
Health insurance in case of unemployment
During the receipt of unemployment benefit I or II and also entrance allowance or during a further training financed by the Agency for Employment, you are automatically compulsorily insured in the statutory health insurance fund. As a rule, insurance continues to run with the current statutory health insurance, but a change is also possible. The contributions are fully taken over by the Arbeitsagentur, or the Arge.
Anyone who was not covered by statutory health insurance in the last five years prior to commencement of benefits can be exempted from compulsory insurance in the statutory health insurance fund. In this case, the Federal Employment Agency or the Arge contributes to the private health and long-term care insurance - but only up to the amount of the statutory health insurance contributions.
The insurance begins when the requested benefit has been granted - in principle with retroactive effect from the first day of benefit receipt. If the claim is suspended, for example due to a blocking period, the health insurance coverage will only be valid from the beginning of the second month. The same applies to privately insured persons for the acceptance of the contributions. In this case, the unemployed person himself must ensure that he is insured during this time.
Self-employed persons whose income would fall below the unemployment benefit threshold due to the health insurance contributions will receive an appropriate subsidy to the statutory health insurance scheme.
For whom does the health insurance obligation apply?
Since April 2007, most citizens are obliged to provide health insurance. This applies in particular to those who were uninsured in the meantime but who were once members of a statutory health insurance scheme:
Since April 2007 you have to insure yourself again by law in the statutory health insurance. Even those who have never been in a health insurance company have to take out health insurance. Whether legal or private is generally determined by the last job carried out.
Private health insurance
Whoever has never been in a health insurance company and is only eligible for private health insurance because of his most recent job can assure himself here in the standard tariff: Since July 2007 everyone has to be included in the standard tariff of a private health insurance without health checks and risk surcharges.
Anyone who has already been privately insured (and can not go to the statutory health insurance due to the lack of pre-insurance) can again take out private insurance or stay with the 1.1.2009 without health insurance. Then he has to insure himself there.
Improvements from 2009
From 2009 the private coffers must then offer a basic tariff which corresponds to today's standard tariff and in which also people who were more often ill have to accept without risk surcharges. The range of benefits of the basic tariff should correspond to that of the statutory health insurance, the premiums may not exceed the maximum rate of statutory funds of around 500 Euro per month.
In case of need, the basic tariff should be halved. It is also easier to switch from one private health insurance to the other: the aging provisions of the insured are then transferred with a change of the insurance to the extent of the basic tariff.
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