Additional contribution

This article deals with the additional contribution of the statutory health insurance in Germany that will apply from 2015 . For the years 2009 to 2014 see additional contribution for each individual health insurance fund .

The income-related additional contribution ( ZB ) was introduced in Germany on January 1, 2015 in the statutory health insurance ( Section 242 SGB ​​V new version). This gives health insurance companies an additional means of compensating for financial bottlenecks. On the other hand, it is intended to promote competition between health insurance companies in statutory health insurance and to ensure cost awareness on the part of the insured.

Until 2018, the additional contribution was borne solely by the health insurance members. Since January 1, 2019, the additional contribution has been financed equally - half by the employer and half by the employee.

concept

With the introduction of the additional contribution by the grand coalition of CDU, CSU and SPD, the general contribution rate was reduced from 15.5 percent on January 1, 2015 to 14.6 percent by the proportion of 0.9 percentage points (amendment to § 241 SGB ​​V) , which the insured always had to bear alone up to now ( § 249 SGB ​​V old version). From 2015, insured persons will therefore only incur higher costs due to the additional contribution if their health insurance company charges an additional contribution that is higher than 0.9 percent of the contributory income.

Health insurance companies that can no longer get by with the funds allocated from the health fund must cover the missing funds through increased contributions from their members. This additional contribution, which is individual to the health insurance fund, has been income-dependent since January 1, 2015 and the contribution rate is not capped; there is no social compensation (deletion of § 242b SGB ​​V). These additional percentage contributions from the contributory income must be approved by the supervisory authority responsible for the health insurance company - i.e. the Federal Social Security Office in the case of national health insurance companies and the authority responsible under regional law in the case of health insurance companies with direct regional health insurance. In order not to create an incentive for the health insurers to concentrate on higher earners, the amount of the expected contributory income of all health insurers is decisive when determining the additional contribution rate and not the individual income structure (§ 242 (1) sentence 3 SGB V).

The Federal Ministry of Health sets the so-called average additional contribution for the following year on November 1, based on the evaluation of the results of a group of appraisers ( Federal Office for Social Security , Central Association of Health Insurance Funds and BMG ) ( Section 242a SGB ​​V). The average additional contribution is a statistical value and does not represent the actual average of all additional contributions for each individual health insurance company. The expected additional contribution for the coming year determined by the ministry is calculated by comparing the difference between the expected expenses of the health insurance companies and allocations from the health fund and dividing it by the sum of the income from all health insurance companies that are subject to contributions; In particular, it does not take into account the fact that instead of charging an additional contribution, health insurance companies can partially finance the uncovered expenses from the release of reserves. In 2015, the average additional contribution set by the BMG was 0.9 percent, in 2016 and 2017 1.1 percent, in 2018 1.0 percent, and again 0.9 percent in 2019. In 2020 it will be increased again to 1.1 percent.

Only one regionally open health insurance company, the Metzinger Betriebsskrankenkasse , did not charge any additional contributions until 2016 and 2018. The lowest additional contribution of the nationwide health insurance funds is levied by the commercial health insurance fund with 0.39 percent, the highest additional contribution by the WMF Württembergische Metallwarenfabrik AG company health insurance fund with 1.6 percent .

Additional contribution according to groups of people

For most groups of people, only the contribution rate will change.

Apprentices and students

For compulsorily insured trainees and students , the health insurance contributions plus additional contribution apply. In the case of students, the assessment basis for the contribution and additional contribution is the requirement according to § 13 BAföG.

Recipients of unemployment benefits

• Unemployment benefit : The contribution is paid by the Federal Employment Agency .
• Unemployment benefit II : The average additional contribution rate according to Section 242a SGB ​​V, which is borne by the job center , applies here .

Additional contribution according to health insurance

nationwide open health insurance companies Health insurance 2016 2017 2018 2019 2020 Actimonda BKK 1.00% 1.00% 1.00% 1.00% 1.40% Audi BKK 0.70% 0.70% 0.70% 0.70% 0.70% Railway BKK 1.40% 1.40% 1.40% 1.20% 1.20% Barmer substitute fund 1.10% 1.10% 1.10% 1.10% 1.10% Bertelsmann BKK 1.05% 1.28% 1.20% 1.10% 1.25% BKK firmus 0.60% 0.60% 0.60% 0.44% 0.44% BKK Gildemeister Seidensticker 1.20% 1.20% 1.20% 1.10% 1.20% BKK Linde 1.10% 1.10% 1.10% 1.10% 1.10% BKK Mobil Oil 1.10% 1.10% 1.10% 1.10% 1.10% BKK Pfalz 1.40% 1.40% 1.40% 1.40% 1.40% BKK PwC 0.99% 0.99% 0.99% 0.98% 0.98% BKK Provita 0.90% 1.30% 1.30% 1.30% 1.30% BKK Verbundplus 0.80% 0.80% 0.70% 0.50% 0.50% BKK Verkehrsbau Union 0.90% 0.90% 1.30% 1.30% 1.30% BKK WMF 1.10% 1.10% 1.10% 0.90% 1.60% BKK24 1.10% 1.10% 1.10% 1.10% 1.10% Bundesinnungskrankenkasse Health 1.00% 1.00% 1.00% 1.00% 1.30% Continentale BKK 1.10% 1.30% 1.30% 1.00% 1.30% DAK health 1.50% 1.50% 1.50% 1.50% 1.50% Debeka BKK 0.90% 0.90% 0.90% 0.80% 0.70% Energy BKK 1.10% 1.10% 1.10% 1.10% 1.46% Commercial Health Insurance Fund 0.59% 0.59% 0.59% 0.39% 0.39% Home health insurance 1.10% 1.10% 1.10% 1.10% 1.10% Hanseatic health insurance 1.00% 1.00% 1.00% 1.00% 1.00% IKK classic 1.40% 1.40% 1.20% 1.00% 1.00% IKK healthy plus 0.60% 0.60% 0.60% 0.60% 1.00% Commercial health insurance 1.20% 1.50% 1.50% 1.50% 1.50% Miners 1.30% 1.30% 1.10% 1.10% 1.10% Mhplus BKK 1.10% 1.10% 1.10% 0.98% 0.98% Novitas BKK 1.35% 1.35% 1.35% 1.34% 1.54% Pronova BKK 1.20% 1.20% 1.20% 1.20% 1.50% R + V BKK 1.00% 1.00% 0.90% 0.90% 1.20% Salus BKK 0.70% 0.95% 0.95% 0.79% 1.45% Schwenninger BKK 1.10% 1.30% 1.30% 1.30% 1.30% Siemens-BKK 1.30% 1.30% 1.30% 1.30% 1.30% Techniker Krankenkasse 1.00% 1.00% 0.90% 0.70% 0.70% TUI BKK 0.90% 1.10% 1.10% 1.10% 1.25% Viactiv BKK 1.70% 1.70% 1.70% 1.20% 1.20%

regionally open health insurance companies Health insurance 2016 2017 2018 2019 2020 AOK Saxony-Anhalt 0.30% 0.30% 0.30% 0.30% 0.00% BKK Euregio 0.70% 0.70% 0.58% 0.35% 0.35% BKK Pfaff 0.40% 0.40% 0.40% 0.40% 0.40% BKK Akzo Nobel Bavaria 0.60% 0.60% 0.50% 0.50% 0.50% AOK Plus 0.30% 0.60% 0.60% 0.60% 0.60% BKK Scheufelen 0.40% 0.40% 0.60% 0.60% 0.60% BKK Faber-Castell & Partner 0.50% 0.65% 0.65% 0.65% 0.65% BKK Schwarzwald-Baar-Heuberg 0.50% 0.70% 0.70% 0.70% 0.70% SKD BKK 0.70% 0.70% 0.70% 1.40% 1.70% AOK Bremen / Bremerhaven 1.10% 1.10% 0.80% 0.70% 0.70% BKK Freudenberg 0.70% 0.90% 0.90% 0.70% 0.70% AOK Lower Saxony 0.80% 0.80% 0.80% 0.80% 0.80% AOK Baden-Württemberg 1.00% 1.00% 1.00% 0.90% 0.90% AOK Hessen 1.10% 1.10% 1.00% 0.90% 0.90% AOK Northeast 0.90% 0.90% 0.90% 0.90% 0.90% AOK Northwest 1.10% 1.10% 0.90% 0.90% 0.90% AOK Rhineland-Palatinate / Saarland 1.10% 1.10% 1.00% 0.90% 0.90% BKK Melitta Plus 1.00% 1.10% 1.10% 0.90% 0.90% BKK textile group Hof 0.90% 0.90% 0.90% 0.90% 0.90% Bosch BKK 0.90% 0.90% 0.90% 0.90% 0.90% BKK exclusive 1.09% 1.09% 0.99% 0.99% 0.99% BKK Dürkopp Adler 1.00% 1.00% 1.00% 1.00% 1.20% BKK Herford Minden Ravensberg 1.00% 1.00% 1.00% 1.00% 1.35% AOK Bavaria 1.10% 1.10% 1.10% 1.10% 1.10% AOK Rhineland / Hamburg 1.40% 1.40% 1.40% 1.10% 1.10% BKK Diakonie 1.10% 1.10% 1.10% 1.10% 1.10% BKK Hercules 1.10% 1.10% 1.10% 1.70% 2.20% BKK Public 0.90% 0.90% 1.00% 1.10% 1.10% BKK Werra-Meissner 1.10% 1.10% 1.10% 1.10% 1.50% BKK ZF & Partner 0.70% 0.95% 1.20% 1.10% 1.50% Securvita BKK 1.10% 1.40% 1.70% 1.10% 1.10% The Bergische Krankenkasse 1.00% 1.39% 1.39% 1.15% 1.28% Atlas BKK Ahlmann 1.20% 1.20% 1.20% 1.20% 1.70% BKK Technoform 0.70% 0.70% 1.30% 1.30% 1.90% BKK VDN 0.90% 1.30% 1.30% 1.30% 1.30% Guild health insurance fund for Brandenburg and Berlin 0.60% 0.89% 1.30% 1.49% 1.49% Guild Health Insurance Fund North 1.30% 1.30% 1.30% 1.30% 1.30% BKK Economy & Finances 1.10% 1.10% 1.10% 1.39% 1.39% BKK Achenbach Buschhütten 1.10% 1.10% 1.10% 1.40% 1.40% Siemag BKK 1.00% 1.40% 1.40% 1.40% 1.40% IKK southwest 1.20% 1.50% 1.50% 1.50% 1.50%

Company-related 2 health insurance companies Health insurance 2016 2017 2018 2019 2020 BKK Würth 0.40% 0.40% 0.40% 0.20% 0.20% BKK Voralb 0.50% 0.50% 0.50% 0.50% 0.50% BKK Grillo-Werke AG 0.70% 0.70% 0.70% 0.70% 0.70% BKK Krones 0.70% 0.70% 0.70% 0.70% 0.70% BKK Rieker Ricosta Weisser 0.50% 0.50% 0.70% 0.70% 0.90% BKK EWE 0.90% 0.90% 0.90% 0.90% 0.90% BKK Groz-Beckert 0.60% 0.90% 0.90% 0.90% 0.90% Karl Mayer BKK 0.90% 0.90% 0.90% 0.90% 1.90% BKK Mahle 0.90% 0.90% 0.90% 0.70% 0.70% BMW BKK 0.90% 0.90% 0.90% 0.80% 0.80% Daimler BKK 1.00% 1.10% 0.90% 0.80% 0.80% Südzucker BKK 0.90% 0.90% 0.90% 0.90% 1.10% EY BKK 0.99% 0.99% 0.99% 0.94% 0.94% BKK B. Braun Aesculap 1.00% 1.00% 1.00% 1.00% 1.10% BKK EVM 1.10% 1.10% 1.00% 0.90% 0.90% BKK Salzgitter 0.90% 1.10% 1.00% 0.90% 0.90% BKK BPW 1.10% 1.10% 1.10% 1.10% 1.10% BKK Deutsche Bank AG 0.70% 1.10% 1.10% 1.10% 1.30% BKK Miele 0.90% 1.10% 1.10% 1.00% 1.00% BKK City of Augsburg 1.30% 1.30% 1.10% 1.50% 2.70% Wieland BKK 1.30% 1.30% 1.20% 1.10% 1.10% BKK MTU 1.30% 1.30% 1.30% 1.30% 1.60% BKK RWE 0.70% 1.30% 1.30% 1.10% 1.40% Koenig & Bauer BKK 0.75% 0.95% 1.44% 1.44% 1.44% Merck BKK 1.45% 1.70% 1.70% 1.40% 1.40% 2 Staff only

Extraordinary right of termination

If the health insurance company raises an additional fee or increases it, members have a special right of termination according to Section 175 SGB ​​V and can give notice of extraordinary termination up to the end of the month in which the fee is raised or increased . The income-related additional contribution must be paid in full until the termination occurs at the end of the second month following the termination. If a contractually agreed waiver of termination has been agreed for a certain period through an optional tariff, the right to extraordinary termination still exists. The health insurance company must inform the member of the special right of termination one month prior to the collection or increases in accordance with Section 175 SGB ​​V. If the newly levied additional contribution or the increased additional contribution rate exceeds the average additional contribution rate according to § 242a SGB ​​V, the members must also be advised of the possibility of switching to a cheaper health insurance company. If the health insurance company points this out too late, the termination can also be declared later. The termination is then deemed to have been declared in the month in which the additional contribution was first levied or in which it was increased. This means that you can also change your health insurance provider retrospectively.

See also

• List of German health insurance companies

Web links

• Text and changes by the GKV Financial Structure and Quality Further Development Act - GKV-FQWG
• Materials SHI Finanzstruktur- and Quality Development Act - SHI FQWG in DIP

Individual evidence

1. ↑ ^{a b} Law on the further development of the financial structure and quality in the statutory health insurance. Accessed December 31, 2014 . 
2. ↑ Billion relief for cash members decided. In: zeit.de. Zeit Online GmbH, June 6, 2018, accessed on June 7, 2018 . 
3. ↑ § 249 SGB ​​V old version until January 1, 2019 and new version
4. ↑ Additional contribution rate . National Association of Statutory Health Insurance Funds. December 28, 2018. Retrieved January 3, 2019.
5. ↑ BAnz | AT 10/22/2014
6. ↑ BAnz | AT 10/30/2015 B7
7. ↑ BAnz | AT 10/27/2016 B7
8. ↑ BAnz | AT 10/26/2018 B4: "Announcement of the average additional contribution rate according to § 242a paragraph 2 of the fifth book of the Social Security Code for the year 2019"
9. ↑ Apotheke Adhoc: BMG: Average health insurance contribution will rise in 2020. Accessed on November 6, 2019 . 
10. ↑ List of health insurance companies. (PDF) In: gkv-spitzenverband.de. June 1, 2020, accessed June 1, 2020 . 
11. ↑ ^{a b c d e f} Health Insurance List Germany - All current additional contributions 2017/2018. In: Central Health Insurance. Health Insurance Center - Your Health & Prevention !, accessed on November 15, 2017 . 
12. ↑ ^{a b c} Additional contribution for health insurance companies 2018. In: Krankenkassen.net. Franke-Media.net project, accessed on January 3, 2018 . 
13. ↑ ^{a b c list of} health insurance companies (PDF; 37.8 kB) National Association of Statutory Health Insurance Funds . August 21, 2019. Retrieved August 21, 2019.
14. ↑ ^{a b c} Additional contribution from the health insurance companies Additional contribution in 2019 and 2020. In: Krankenkassen.de. Euro-Informations (GbR), accessed on December 31, 2019 . 

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