Apply for health insurance for freelancers

As a rule, self-employed persons do not belong to the group of persons subject to compulsory health insurance (GKV). However, voluntary insurance in the GKV is possible for this group of persons under certain conditions.

Furthermore, self-employed persons also have the option of taking out private health insurance if voluntary insurance with a compulsory health insurance provider is not desired. You may also choose a combination of compulsory and private insurance coverage: If you have opted for voluntary insurance in the GKV, you can – like every person with compulsory health insurance – take out supplementary private insurance.

Note: You have the right to choose a health insurance provider. Therefore, you can freely choose almost all health insurance providers (with a few exceptions). It is therefore worthwhile to compare the different benefits offered.

Point of contact

  • A health insurance provider of your choice

Onlineantrag und Formulare

Kein Onlineantrag und keine Formulare vorhanden.

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Zum Beispiel Ihren Wohnort, wenn Sie einen Reisepass beantragen wollen oder den Unternehmensstandort, wenn Sie ein Gewerbe anmelden möchten.

Service details

Detailed information

Prerequisite

Voluntary health insurance in the GKV is possible if:

  • You were compulsorily insured in the GKV before you became self-employed and
  • you were insured for at least 24 months in the last 5 years before leaving the GKV, or for 12 months immediately before leaving.

Since April 2007, individuals without other health insurance coverage are required to be insured in the GKV if they were last compulsorily insured.

Procedure

  • If you want to be insured voluntarily in the GKV,
    • get advice from a health insurance provider of your choice. You can also obtain the application forms for your membership from the health insurance providers. The forms can also often be downloaded from the websites of the various health insurance providers.
  • If you want to take out private health insurance,
    • you can get an offer from the health insurance provider of your choice first. To do this, you can visit the provider in person or contact them in writing.

Deadlines

Notification of taking out compulsory health insurance: within three months of termination of previous insurance.

Voluntary insurance coverage always begins immediately thereafter.

Costs

Please contact the health insurance provider of your choice for an individual calculation of contributions.

Legal basis

  • § 5 Fünftes Buch Sozialgesetzbuch (SGB V) – Versicherungspflicht
  • § 9 SGB V – Freiwillige Versicherung
  • § 240 SGB V – Beitragsbemessung für freiwillige Mitglieder
  • §§ 241ff. SGB V – Beitragssätze, Zusatzbeitrag

Release note

Saxon State Ministry for Social Affairs and Social Cohesion. 17.06.2020