9/10 rule
The 9/10 regulation is a regulation in German pension law with regard to health insurance for pensioners (KVdR).
Recipients of pensions from the statutory pension insurance are compulsorily insured in the statutory health insurance in accordance with Section 5, Paragraph 1, Clause 1, Item 11 of Book V of the Social Code if they have been at least nine-tenths of a member of a statutory health insurance fund from the time they first started working until the time the pension application was submitted only for the second half of this period. Periods of entitlement insurance also count as periods of membership for the 9/10 rule.
Since August 1, 2017, a new regulation has been in effect that facilitates access to health insurance for pensioners. For every biological, adopted or foster child, a flat rate of 3 years will be counted towards the previous insurance periods. It does not matter who actually looked after the child. The health insurance companies only have to check the compulsory insurance under the new legal conditions in old cases at the request of the person concerned.
If the 9/10 rule is not met, the pensioner cannot be insured in the pensioner's health insurance (KVdR) and in this case must either take out voluntary insurance with a statutory health insurance company or take out private health insurance.
Individual evidence
- ↑ Leaflet health insurance for pensioners (KVdR) and long-term care insurance. German pension insurance, accessed on July 31, 2017 .
- ↑ Questions and answers on the 9/10 rule. In: New Osnabrück Newspaper. April 18, 2016. Retrieved September 28, 2018 .
- ↑ Change in the 9/10 rule: Pensioners have to take action themselves. Neue Osnabrücker Zeitung, April 20, 2017, accessed on July 31, 2017 .
