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An employee would pay a little under 350 euros and their employer an equal share. It is calculated as 7.3% of your salary until your salary passes about 56k euros. Then it’s calculated as 7.3% of 56k regardless of much you earn. Not working spouses are automatically co-insured without any extra cost


It's not really 7.3%, since you need to account for the Zusatzbeitrag, and the Pflegeversicherung. In total, it's half of (14.6 + ~1.2 + 3.3)%, so around 9.5% assuming you don't hit the price limit.

The article linked above gives better, more recent figures on those limits.

Yes, the Pflegeversicherung is a separate thing, but it's charged by the health insurer, it's mandatory, and private insurers include it into the price. It's much simpler to bundle those things together.


I have no idea what those words mean, but long German words are cool.




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