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Premium rates (in % of the gross wage of the employee) with the four law ordered social security since 01.Jan.2013. (Law ordered here means that each employee must be insured in Germany with the four types of insurance specified, even if the employee is not German.):
2This aditional rate has to be retained of the employees gross wage if he has no children.
If the gross wage is higher than the contribution assessment limit, the insurance premium is calculated "only" by the amounts specified here.
The employer has to transfer the entire contribution for all types of social security to the legal health insurance company of the employee. He retains half of the total contribution of the gross wage of the employee, the other half is posted as an additional operating expenditure (= ancillary wages).
Except the general premium rate of health insurance company specified here there are many deviations from the rule, for example
With the law-ordered nursing care insurance there is a relatively low overall premium for students and a substantially higher overall premium for officials.
Further special cases (e.g. maternity, value of receipts like free food and dwelling etc..) are shown with the Internet pages of the legal health insurance companies (e.g. www.dak.de or www.bek.de).
For your special situation you should ask one of the legal health insurance companies (e.g. AOK, DAK, Barmer, ...)
Particularly to the Health Insurance of the employees applies: Who earns more than 52,200.00 EUR gross per anno in three years running (the amount is increasing each year), is no longer forced to stay in the legal one. But caution: Who changes to private health insurances, will get no family assistance; each child and the unemployed husband has to be insured separately. That can become unexpectedly expensive with a later family increase, in particular if the wife gives the occupation up because of the children. A back into the legal health insurance usualy is not possible in these cases.