German Health Insurance
Statutory health insurance (GKV, §§241 ff. SGB V) based on gross salary and Zusatzbeitrag — split equally between employer and employee.
0 %4 %
- Your Share (8.55 %)
- €342
- Employer Share
- €342
- Total Contribution
- €684
- Zusatzbeitrag
- €100
- Total Rate
- 17.10 %
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Contribution Split
| Category | Amount |
|---|---|
| Gross Salary | €4,000 |
| Standard Rate | 14.60 % |
| Zusatzbeitrag | 2.50 % |
| Total Rate | 17.10 % |
| Total Contribution | €684.00 |
| Employee Rate | 8.55 % |
| Employee Share | €342.00 |
| Employer Rate | 8.55 % |
| Employer Share | €342.00 |
| Zusatzbeitrag (employee share) | €50.00 |
| Zusatzbeitrag (employer share) | €50.00 |
| Annual Contribution (Employee) | €4,104 |
Note: Calculation under §§241 ff. SGB V (2026): standard rate 14.6 %, reduced rate 14.0 % (without sick pay). The Krankenkasse-specific Zusatzbeitrag (§242 SGB V) varies — the 2026 average is 2.5 %. Assessment ceiling: €5,512.50/month (€66,150/year). Long-term care insurance is calculated separately.
Background
German Health Insurance 2026: GKV Contribution, Zusatzbeitrag and the 50/50 Split Explained
11 Min.