Is there sick pay for the self-employed?
All self-employed persons with statutory health insurance can secure the right to sickness benefit from their health insurance. However, they do not pay the reduced contribution of 14 percent plus the additional contribution, but can choose between two types of increased coverage:
Regular contribution – You pay for your health insurance the normal contribution rate of currently 14.6 percent of the gross income plus additional contribution. Then you will receive sickness benefit as a worker from the 43rd day of disability. To do this, you must provide a formless, written election statement to your fund. You are bound by this decision for three years – even if you change the health insurance in between.
For example, a full-time self-employed person may declare: “I am a full-time self-employed person and would like to extend my voluntary membership with a legal sickness benefit from the 43rd day of incapacity for work with the general contribution rate. I am informed about the terms of the extension. I am aware that I am bound by my choice for three years from the beginning of the participation.
Optional tariff – You can take out a dial-in tariff with sick pay entitlement at your health insurance fund and thus supplement or replace your basic protection against an additional contribution. From when and in what amount you get money depends on what you have specifically agreed with your fund. There are, for example, optional tariffs that pay you a compensation from the 15th or the 22nd day of the illness and thus bridge the start of the statutory sickness benefit.
With some cash registers you can also conclude a tariff that completely replaces the classic sickness benefit. Then you pay only the reduced contribution rate of currently 14 percent and additional contribution plus the extra fee for the electoral rate.
You are bound to each elective rate for three years. Unlike the decision for statutory sickness benefit, you can not switch to another statutory health insurance or private health insurance during this period. Therefore, you should consider the conclusion of a dial plan carefully and submit to various offers.
By the way: The statutory health insurance funds may not demand age-related premium supplements for the eligibility for sick pay. You must not refuse anyone because of pre-existing conditions.