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superstardeejay posted a topic in FinanceHello, Until recently I was making very modest annual income, so KSK was perfect for me. But everything changed this year and it looks like I'll make around 100k from freelancing. Is it worth paying to the KSK or are there better options for me? I remember years ago I read somewhere (might have been here) that KSK is a pretty good deal if you're making under 60k per year or something like that. I can't find that info now, though.
I'm insured with TK through the KSK, but my freelance artistic activity is currently between minimal and non existent. I live off the rental income of a couple of properties I menage myself, and luckily that income is not considered as non-artistic income by the KSK, therefore I'm still with them. My question is, if I was to be kicked out of the KSK because of not earning the minimum x year required through my freelance artistic activity, what would happen, health insurance wise? My freelance income would still be zero, would I have to pay insurance based on my rental income? Thanks!
Hi, As I'm approaching my one-year Berlinniversary, my situation keeps rapidly changing. That's great, but I'm also constantly filled with new questions. My question now is about KSK, whether it's worth it for me or not and what are the pros and cons. I already know a lot about the application process, so I'm looking for a bit of advice more than information about that. So, here's my situation: - EU Citizen, no previous record of being in the public system in the EU, so I'm currently using a private insurance with a €1000/mo deductible (which is insane) - Under 30 - Have a BFA degree in Theater/Creative Writing - Full-time freelancer and Kleinunternehmer (if things keep going this well next year, however, I may not be a Kleinuternehmer anymore) - Most of my current jobs are somewhat related to my field, except for modeling. I'm a coach/mentor for artists and students and I also write (but that may fall more into the 'marketing' area, as the material is usually posted online) - Once in a while I earn money as a performer, but most of my gigs are unpaid, or paid very little. But I have a lot of documentation from that, which can help with my KSK app. - May want to pursue a Master's degree in the near future, but not sure - Not planning on having kids at least for the next decade So, my big questions are: 1. Can I join the KSK with my current professions? Are they 'artistic' enough? 2. Is it worth it? From what I looked up, I'd be paying around €60 more than I would if I stuck with private insurance. I know that price will go up as I get older and that €1000 deductible is not nice at all (I can't REALLY use my insurance huh), but I don't really feel super settled in Berlin yet. It would be nice to pay into a pension scheme, because I do worry about what to do when I'm older, but what if I move in the next 1-2 years? On the other hand, I would like to go to the doctor and not have to pay out of pocket. I appreciate any insights on this! Thanks in advance.