How is my contribution to statutory health insurance calculated in 2025?

Calculation of Contributions to Statutory Health Insurance

The contribution to statutory health insurance (GKV) is based on the gross monthly salary. The contribution is shared between employer and employee, while non-working family members (spouse, children) are co-insured free of charge.

Contribution Rates:

• General Contribution Rate: Applies to those insured with entitlement to sick pay, e.g. employees. Pensioners also pay this rate, even though they are not entitled to sick pay.
• Reduced Contribution Rate: Applies if there is no entitlement to sick pay, e.g. for students and self-employed persons.

Voluntarily insured persons can acquire entitlement to sick pay from the seventh week of illness onwards through the general contribution rate. Until the seventh week, loss of earnings must be covered privately or through an optional tariff.

Contribution Rate and Additional Contribution:

Since 2015, the general contribution rate has been 14,6%, shared between employer and employee. In addition, the employee pays a fund-dependent additional contribution, which averages 12,5% in 2025.

Contribution Assessment Ceiling:

The insurance contribution is calculated only up to the contribution assessment ceiling, which is 66.150 Euro annually or 5.512,40 Euro monthly in 2025. Income above this limit is not subject to contributions.

Reduction of Contribution:

As the general contribution rate secures sick pay, contributions are reduced by a flat rate of 4% if there is an entitlement to sick pay. The additional contribution is also included in the calculation of the reduction.