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Calculation Basis for KrankenhausPlus

The monthly premium is €28.68 for the KrankenhausPlus plan, calculated based on an insurance policy purchased at age 21. For 16- to 20-year-olds, the premium is €7.86. Children and adolescents up to age 15 pay €3.96.

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Calculation Basis for KrankenhausPlus

The monthly premium is €28.68 for the KrankenhausPlus plan, calculated based on an insurance policy purchased at age 21. For 16- to 20-year-olds, the premium is €7.86. Children and adolescents up to age 15 pay €3.96.

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Definition of "Permanent"

Permanent means: Until the return to work or in the event of occupational disability, loss of insurance eligibility, or other reasons for termination (such as old-age pension, etc.).

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Tax-Free Income and the Progression Clause

Tax-free income subject to the progression clause is used to calculate your personal tax rate. The tax-free income itself is not taxed. Income tax on taxable income is then calculated using the higher tax rate.

Details Add-on Modules Costs Services Benefits When It Pays

Sickness Benefit Insurance: Summarized for You

  • Sickness benefit insurance is a private supplementary insurance. As a private provision, it compensates for income losses during a long-term illness, thus safeguarding your livelihood and standard of living.
  • These workers can take out sickness benefit insurance: employees who have statutory or private health insurance, freelancers and the self-employed.
  • You will receive sickness benefit if you are unable to work for an extended period due to illness. It is also available for statutory maternity leave.
  • You will receive your insured daily sickness benefit until you are able to return to work or become unable to work. There is no maximum duration of benefits in the event of illness.
  • The amount of the daily rate of sickness benefit can be individually selected up to your income.

At a glance

Benefits of private daily sickness insurance

Height can be individually selected

You determine the amount of sickness benefit you receive by setting the daily rate. A daily rate of up to 100 percent of your current net daily income is possible. The daily rate can be set in increments of five euros each.

No maximum performance period

You will receive your insured daily sickness benefit until you are able to work again or become unable to work.

Tax-free benefit

You receive your daily sickness benefit tax-free , even on Sundays and public holidays. You do not need to declare it on your income tax return. Daily sickness benefit is not subject to the tax progression clause.

Comprehensively insured

Why is sickness benefit insurance necessary?

Income gaps and loss of earnings due to incapacity to work are the most important reasons why you should consider protecting your income early on, regardless of whether you are employed or self-employed.

  • Sickness benefit for employees:
    Employees are generally entitled to six weeks of continued salary payment (wage replacement benefit) if they are unable to work. After that, an income gap arises, which you can compensate for with Allianz Sickness Benefit Insurance starting from the seventh week. Depending on whether you have statutory or private insurance, different situations arise.
  • Sickness benefit for the self-employed:
    Income losses for self-employed individuals during periods of incapacity for work or statutory maternity leave are immediately noticeable, as no wages are paid. Therefore, sickness benefit insurance is essential for you.
  • Sickness benefit and sickness allowance: Sickness benefit should not be confused with sickness benefit. Sickness benefit is paid by the statutory health insurance (GKV) to insured persons if they are unable to work six weeks resulting in income gaps, especially for high earners. As a privately insured person (employed or self-employed), you need your own coverage: Sickness benefit is a private supplementary insurance.