Health insurance for freelancers
Ever since the health reforms of 2009, there has been general requirement in Germany to have health insurance. This also applies to all freelancers. For health insurance options, German residents have a choice between public health insurance coverage and private health insurance. Freelancers should also check their daily sickness benefit or sickness allowance in order to be protected against loss of earnings due to a long illness or accident.
It is worth comparing the different offers of the various health insurance companies to find the best options to suit your needs.
For liberal professions assigned to a professional association, membership in the given association's pension plan is also mandatory. Membership means that contributions to the pension insurance are due.
In addition to the liberal professions that are subject to membership in a chamber, there are other liberal professions that must make compulsory payments to the pension insurance scheme. The reason for this is that they are considered to be particularly in need of protection. This refers to freelancers such as teachers, midwives, sea pilots or coastal skippers. Of course, all other freelancers can also pay voluntarily into the pension insurance or provide privately for the pension.
Künstlersozialkasse for artists and publicists
Freelancers such as artists and publicists are integrated into the public social security system via the artists' social insurance (Künstlersozialkasse). Here, freelancers receive their benefits from pension, health and nursing care insurance. The artists' social insurance fund is thus the health insurance fund for freelancers. This includes:
- Artists - persons who create, practice or teach music, performing or visual arts
- Journalists - Persons who are active in the field of journalism as writers, journalists or in other ways
Artists and publicists are compulsorily insured in the Künstlersozialkasse under the following conditions:
- The minimum income of freelancers must be €3,900 per year - exceptions are made for business founders within the first three years.
- The insurance for freelancers with the Künstlersozialkasse is only possible if a maximum of one employee is employed.
The freelancer pays half of the contribution. The other half is made up of a subsidy from the federal government and a levy from companies such as publishing houses, radio stations and galleries that are the beneficiaries of artistic and journalistic achievements.
Professional association for liberal professions
Freelancers must also register with a professional association. The professional associations in Germany are accident insurance institutions for companies and their employees. Their task is to prevent accidents at work, occupational diseases and work-related health hazards. In addition, the Berufsgenossenschaft supports companies in occupational health and safety and offers training for the insured. In the event of an accident at work or an occupational disease, it supports the insured person with various measures. Freelancers must register with it within one week of starting their freelance work.
Accident insurance for freelancers
The professional associations are members and thus sponsors of 'German Social Accident Insurance'. As is the case for founders of new businesses and self-employed persons, the majority of freelancers are subject to compulsory insurance. The following groups are specifically exempt from the obligation to take out accident insurance for freelancers:
- Dentists, veterinarians and self-employed doctors
- Psychotherapists, pharmacists and alternative practitioners
The occupational groups excluded from compulsory insurance have the option of taking out private accident insurance for freelancers or voluntarily taking out insurance with the statutory accident insurance.
Liability insurance for freelancers
Freelancers should inform themselves about business liability insurance and/or professional liability insurance. Depending on the industry, certain forms of liability insurance (such as financial loss liability for some professions) are more or less part of the basic equipment.