Spectrum International

Doceo et Praecipio   ( Inform and Advise ) 

Public (Statutory) Health Insurance


There are approximately 120 providers of Public Insurance in Germany. 

All provide similar  benefits and at similar rates -  see rates below.  The choice of which one to take really depends on factors such as administrative efficiency, access and available extras.

Public Insurance is generally only available for employed persons earning a salary within certain fixed limits.  Public Insurance is sometimes available to Self-employed (Freelance) on a voluntary (Freiwillige) basis BUT only to persons who are moving directly from  an employed position to self-employed (freelance) status. 

Spectrum can provide advice and information and arrange public insurance where appropriate.  The premiums are calculated purely on salary and are therefore the same wherever the insurance is arranged.  Spectrum do not levy any additional fees or charges.


Rates for 2017

  • Overall contribution:  14.6% of gross salary split 50:50 between Employer and Employee and capped on a gross salary of € 4350 per month.   Individual providers add a further contribution to the employee part only of between 06% and 1.6%
  • Salary level for eligibility for public Insurance:  From € 450 to € 4800 per month.
  • Below € 450 per month:   German or International Private Insurance may be taken.
  • Above € 4800 per month:  German Private Insurance or Voluntary Public Insurance, if eligible, may be taken.   There may be exceptions to the rules above depending on circumstances and previous Health Insurance history.  Please contact us for individual advice.