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.
Point of contact
- A health insurance provider of your choice
- Warum soll ich einen Ort angeben?
- Mit Hilfe der Ortsangabe können wir die für Sie passenden Informationen, Formulare, Dienste und Ihre zuständige Stelle anzeigen.
- Welchen Ort soll ich angeben?
- Zum Beispiel Ihren Wohnort, wenn Sie einen Reisepass beantragen wollen oder den Unternehmensstandort, wenn Sie ein Gewerbe anmelden möchten.
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.
- 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.
Saxon State Ministry for Social Affairs and Social Cohesion. 17.06.2020