Private Health Insurance

Sickness benefit or the loss of earnings is substantially dependent on the status in private health insurance. In the private health insurance, the calculation of the n works on status. The sickness benefit or the loss of income, is calculated differently for employees than for self-employed persons. Freelancers such as officials, have a special status. For the officials, it is very easy, because the employer pays remuneration unabridged further in case of illness. Only the aid cuts in the hospital by a hospital daily allowance should be considered according to the relevant State aid control by the Federal Government or the States. At the freelancers, the daily allowance can be calculated depending on the product donor on the basis of sales, here you should ask but more accurately, because not every private health insurance covered 100% of the sales.

The calculation of the n is then: sales / 365 days = maximum daily allowance per day. A PKV comparison here the fastest shows the differences. Self-employed with business registration must especially on this aspect of the calculation basis pay attention, because the standard formula for traders is: (profit tax) * 0.75 / 365 = maximum daily allowance per day. If you look out here more, recognizes that only 75% of the net insurable are. This is so dangerous, if no profit has been generated. The consequence for the loss of earnings in the event of sickness is 0,-euro performance.

A business interruption insurance is better than a sick allowance for self-employed persons. The difference is striking, because satellite win here the contribution as a calculation base used. The formula for an interruption: (fixed costs + profit) / 365 days = maximum daily allowance per day. As you can easily see, also an obligation arises when the payout is 0,-euro, also to put the tax not in print. For the employees, the salary is if not agreed separately, for 42 days, which corresponds to 6 weeks, provided by the employer, then the insurance company or the sickness benefit insurance of the car the sickness takes over. The formula for a Private health insurance is as follows: (net + pension package + post for PKV and long-term care insurance) / = 30 days maximum per diem per day. In the statutory health insurance, the statutory health insurance, the loss of earnings is after 6 weeks with 90% of the net or with 70% of the gross, the smaller value of the two is the post of number of, for more than 78 weeks. But be careful! The loss of earnings is based on the valid contribution assessment ceiling. People who earn above the BBG, get in the statutory health insurance is therefore a lower earnings than the actual net earnings. A supplementary insurance is an indispensable addition here. The duration of the sickness by the statutory health insurance or the PKV is not infinite, because final is after 78 weeks in the statutory health insurance, or at the latest after approx. 6 to 12 months for the car or after 2 years with the business interruption insurance. Both systems of insurance (GKV and PKV) aspire to the level, because if a man is his labour force for longer than 6 months loses, the assumption near the disability exists and changes to the service providers.