If freelancers have health insurance in the SHI system, supplementary provision is sometimes “only” useful, but often even existential. Here you can find out which insurance policies are important and what is important when taking out a policy.
Daily sickness benefit insurance
In the event of illness, daily sickness benefit insurances pay income compensation in the amount of the insured daily rate from the insured day onwards. This is particularly important for freelancers because unlike employees, they do not receive continued pay in the event of illness. For freelancers with statutory health insurance, this insurance is also indispensable because the loss of income is compensated by daily sickness benefit insurance.
Costs: A daily rate of 100 euros can be secured freelancers with 30 to 40 years of entry age from monthly contributions of 70 euros upwards.
The result: An indispensable protection for all freelancers, who must live also in the case of illness from your income (substitute).
Foreign health insurance
In principle, the statutory health insurance funds are responsible for medically necessary treatment within the framework of social security agreements, especially within the EU and EEA. However, depending on the type of treatment, the fee limits of the health insurance funds are quickly exceeded and in some regions, such as the USA, the agreements do not apply. Here, freelancers are always self-payers at the doctor’s And an OP in a special clinic in the USA can produce fast costs at height of a small car. A foreign health insurance pays for then for hospital stays and necessary operations, medically necessary physician and dentist attendance as well as costs for welfare and aids locally and if necessary even for the return transport with heavy illness.
Costs: The protection costs usually hardly more than 20 euros per year!
Conclusion: The foreign travel health insurance is sensible and economically existential, especially for trips outside the EU, because otherwise, freelancers are without protection.
Supplementary dental insurance
Supplementary dental insurance certainly does not belong to the existential policies, but can compensate for unexpected additional expenses especially for dental prosthesis very well. The reason for taking out supplementary dental insurance is usually the desire to cover the costs of dental prostheses, but dental treatment outside the regular care (e.g. root canal treatment), as well as prophylactic measures and orthodontic treatments, can also be covered by the supplementary dental insurance. The optimal supplementary dental insurance for freelancers should reimburse the costs for private medical treatment – reimbursement rates of 70 to 100 percent full coverage are possible.