Find out exactly how much you pay for public health insurance — and why.
🏥 Krankenversicherung (KV) is mandatory health insurance in Germany. Every employee must have it. Your employer deducts your share directly from your gross salary — you never see it. This estimator shows you exactly what's being taken and why.
💡 Your employer pays an equal share on top of your contribution. So the total cost of your health insurance is actually double what you see on your payslip.
Affects Pflegeversicherung (long-term care) rate for those over 23 without children
📋 Since 2023, employees over 23 without children pay a higher Pflegeversicherung surcharge (2.4% vs 1.8%). Germany's way of saying: have kids or pay more. Your choice.
Your estimated monthly KV contribution
Health insurance (KV)−€285,25
Long-term care (PV)−€42,00
Total deduction
−€327,25
per month
−€3.927,00 per year
That's 9.3% of your gross — split equally between you and your employer.