Health Insurance for the Self-Employed

Are you self-employed and want to voluntarily join the public health insurance? Take advantage of the many benefits offered by public insurance: For example, in terms of treatment costs, public health insurance clearly has the upper hand over private insurance. This way, you avoid financial tight spots if treatment becomes more expensive. Family insurance is also included in public health insurance: The co-insurance of your loved ones is free of charge and possible under certain conditions. This means that spouses, partners, and children are covered under family insurance.

Even with little time, it's important to take good care of yourself! That's why we reward you with up to 120 euros per year for a healthy lifestyle through our AktivFit program. Join the digital AktivFit bonus program in the Audi BKK Service App now.

Stay fit, reduce stress, or eat healthily: In everyday life, good intentions often fall by the wayside. That's why you can also benefit from our numerous online health courses. Just tune in whenever and wherever it suits you. For insured self-employed individuals, this comes at no extra cost. Train free of charge, 24/7.

Your toothbrush does a good job but doesn't reach every corner of your mouth. That's why you should have your teeth professionally cleaned. Audi BKK subsidizes professional teeth cleaning up to 60 euros per calendar year under the "GesundheitExtra" program. Regular prophylaxis is important for good oral hygiene, healthy teeth, and a radiant smile.

You've practiced prevention for a year but haven't used any other services? With our premium payment option, this can also pay off financially. Audi BKK members receive an attractive cash premium in this case.

 Join us in trusting the healing power of nature. We are open to alternative treatment methods, which are increasingly appreciated by many people. Osteopathy can usefully complement traditional medical treatments. It activates the body's self-healing powers and thus resolves blockages and functional disorders. With our "GesundheitExtra" program, we contribute to the costs of your osteopathic treatment.

Are you convinced by us and want to switch? As a self-employed or freelance individual, you can easily switch from another public health insurance provider (GKV) to Audi BKK - after just twelve months of membership. You only need to inform Audi BKK of your switch. This means we will handle the formalities for you as your new health insurance provider. Through an electronic notification process, we inform your previous health insurance provider of your exit and ensure a seamless transition.

As a voluntarily insured self-employed or freelance individual, you generally pay your contributions to public health insurance based on all income that you use (or could use) for your livelihood. This can include taxable profits from your self-employment, income from capital assets, or income from renting and leasing. Please note: Offsetting positive income with negative income from different sources is not allowed.

The following minimum assessment limit for contributions to health and nursing care insurance is currently valid: 1,178.33 euros (as of 2024) per month. This minimum amount is the basis for calculating contributions, even if your actual income is lower. Are your monthly earnings higher?

Then contributions to health and nursing care insurance are calculated based on your actual income - up to the highest contribution assessment limit of 5,175 euros (as of 2024).

The Audi BKK contribution calculator gives you an initial idea of your contribution rate to public health insurance. Please note: We only calculate an approximate value initially, as individual circumstances must be considered for an exact calculation.

To the Audi BKK Contribution Calculator (German required)

Do you want more information for voluntary insured individuals - for example, about sick pay in public health insurance, family insurance, or contribution assessment? You can find more about insurance for the self-employed with Audi BKK under Membership for the Self-Employed.