Contributions to health insurance for pensioners: low-cost insurance in old age

Depending on the insurance status, different contributions to health insurance are due in old age. Compulsory mandatory insurance is the cheapest for pensioners.

Munich – Retirement changes a lot in the lives of many employees. There are a few things to keep in mind when it comes to health insurance. How you protect yourself when you retire and how much you pay for health insurance also depends on how and how long you were insured in your professional life. Therefore, anyone who wants to insure themselves cheaply in retirement should start thinking about it early on. You can find out what to watch out for here.

Contributions to health insurance for pensioners: compulsory compulsory insurance is the cheapest

The amount that pensioners have to pay monthly for their health insurance depends on their insurance status (icon image).

© FotoAlto/Imago

Those who were mostly legally insured during their working lives are usually also legally insured when they retire. In the health insurance for pensioners (KVdR), the insured do not have to pay any contribution on high income. Because with statutory health insurance you only have to pay health insurance contributions for statutory pensions, company pensions and earned income. Other income such as rents or dividends are not included. In addition, the pension fund pays half of the legal pension contribution rate.

Therefore, compulsory compulsory insurance is the cheapest for most elderly people. However, to become a member of the compulsory health insurance for retirees (KVdR), employees must have been legally insured for at least 90 percent of the time in the second half of their working life. Anyone who does not meet this requirement can only take out compulsory insurance in certain circumstances. For example, pensioners with compulsory insurance who do not have the corresponding previous insurance period can normally only take out compulsory insurance on a voluntary basis. In this case, however, contributions on private income are also required. In this case, income such as the Riester pension, capital and rental income are charged at 14 percent plus an additional contribution from the fund.

Cash contributions for pensioners: These alternatives are available

In certain circumstances, voluntarily insured pensioners can obtain a subsidy from their compulsory insurance contributions. The insured only have to request the corresponding application at the beginning of their pension. However, even pensioners who are neither legally nor voluntarily legally insured have the option of taking out voluntary family insurance or joining a private health insurance company.

Spouses who do not comply with the required pre-insurance period can take out compulsory family insurance. However, free family insurance is only possible if the total monthly income of the couple to be insured is less than 455 euros. Retirees who were predominantly privately insured during their working lives generally should remain so when they retire.

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Contributions to health insurance for pensioners: these contributions must be taken into account

Depending on the choice of insurance coverage, different health insurance contributions are due at retirement age. Especially those with private health insurance have to calculate differently in old age than pensioners with compulsory insurance. In private insurance, the contribution is independent of income. However, contributions to health insurance are maintained, even if the insured have lower income at retirement age. There are only a few reliefs.

Pensioners with private insurance can count on these aids:

  • From the age of 60, private policyholders no longer have to pay the legal 10 percent surcharge.
  • In most cases, the daily sickness allowance insurance, which compensates for loss of income in the event of prolonged illness, no longer applies when the pension begins.
  • Anyone who submits an application to the pension insurance agency on time can expect a subsidy of up to 7.85 percent.

Although the subsidies provide a small relief for retirees with private insurance, private health insurance remains the most expensive alternative. Even the insured with a higher than average pension receive only a small subsidy.

This article only contains general information on the respective health topic and is therefore not intended for self-diagnosis, treatment or medication. In no way replaces a visit to the doctor. Unfortunately, our editors cannot answer individual questions about medical conditions.

List of rubrics: © PhotoAlto/Imago

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