Premiums

From January 1, 2016, the Barmer GEK premium rate is 15.7 percent. This allows our policy holders to benefit from our consistently high-quality services and outstanding customer service.

For all branches of social security in Germany, premium rates that are determined by the legislators apply. These are calculated as a percentage of income in line with the principle of solidarity – higher earners pay higher premiums.

Premium rate within the health insurance system

Due to a premium reform, since January 1, 2015 health insurance providers have once again been able to charge different premium rates. The Barmer GEK premium rates listed here are calculated based on 

  • the standard statutory premium rate of 14.6  
  • or the reduced statutory premium rate of 14.0
  • and the additional individual health insurance provider premium of 1.1 percent.

Within the social insurance system, the solidarity principle applies

The more you earn, the more you pay. But only up to a limit known as the contribution assessment ceiling. No contribution is collected from earnings above this threshold.

Premium rates for health insurance

Percentage

Standard Barmer GEK premium rate

15.7

Reduced Barmer GEK premium rate

15.1


Premium rates for long-term care, pension, and unemployment insurance

Percentage

Long-term care insurance

2.35

Surcharge to the premium for long-term care insurance for those without children

0.25

Pension insurance

18.7

Unemployment insurance

3.0

Tax deductions based on premiums for health insurance and long-term care insurance

Premiums paid for health insurance and long-term care insurance have be given much greater consideration in the tax system since January 1, 2010. The legal framework for this is provided by the German Citizens Relief Act. Useful information for your tax return is available here (German)


This is an easy way to calculate your health, long-term care, pension, and unemployment contributions insurance yourself. Go to the premium calculator (German)

Do you transfer your premiums directly to Barmer GEK? With Barmer GEK, standardized accounts for transferring your premiums are available at all Sparkasse, Volksbank and other major bank networks in Germany. Go to bank accounts for payment of premiums (German)

Whether you’ve just started out or are already well on your way. Barmer GEK is here to support you throughout your career – and has the perfect insurance solution for everyone. Trainees, employees, and voluntarily insured persons pay a maximum of 15.7 percent for 100 percent of our services. More information on premiums for employed people and trainees (German)

 

Affordable premium rates and extensive Barmer GEK benefits are also available for people who are self-employed and work full time. You even have the option to receive sick pay in the event of long-term illnesses. More information on premiums for self-employed people (German)

Health insurance is the last thing on the average student’s mind. All the more reason to let Barmer GEK take care of it all – at special student premium rates. More information on premiums for students (German)

You never know what life has in store for you – but you can decide who you want to rely on for health insurance. Barmer GEK also offers the option of voluntary insurance, and our fair and transparent premium rates are sure to make your decision an easy one. More information on premiums for voluntarily insured persons (German)

All-round outstanding care, continuing into your retirement – Barmer GEK provides first-class insurance coverage for pensioners and benefit recipients. We also offer individual consultation on any questions you may have about premium rates. More information on premiums for pensioners and benefit recipients (German)


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