Freiwillig Versicherung while unemployed

5 posts in this topic

Hello.

Right now I'm finishing up with my degree in a German Uni. I'm older than 30 so I'm insured on Freiwillig Versicherung at AOK.  Currently, I have no income above 450 Eur per month, so my premiums are at around 180 Eur per month. As far as I understand it's as low as Freiwillig Versicherung goes.

 

I already have a signed contract for a job, but the problem is that between me finishing up with my degree and me starting at work there will be 3-5 months gap. Unfortunately, the thesis defense date still hangs in the air, so there is this 3 to 5 month range.


The question is what kind of contributions would I be expected to pay to AOK in the case when I'll be basically unemployed (on a job search visa most likely) for a few months yet no longer a student? Can I even stay insured at AOK?

 

And yea, I called AOK and even went to their office, and they somehow refuse to give an answer. Basically "come over when you're done with your studies and we'll see" is all they say.

 

I'm trying to figure out what to expect.

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3 hours ago, JCrichton said:

Hello.

Right now I'm finishing up with my degree in a German Uni. I'm older than 30 so I'm insured on Freiwillig Versicherung at AOK.  Currently, I have no income above 450 Eur per month, so my premiums are at around 180 Eur per month. As far as I understand it's as low as Freiwillig Versicherung goes.

 

I already have a signed contract for a job, but the problem is that between me finishing up with my degree and me starting at work there will be 3-5 months gap. Unfortunately, the thesis defense date still hangs in the air, so there is this 3 to 5 month range.


The question is what kind of contributions would I be expected to pay to AOK in the case when I'll be basically unemployed (on a job search visa most likely) for a few months yet no longer a student? Can I even stay insured at AOK?

 

And yea, I called AOK and even went to their office, and they somehow refuse to give an answer. Basically "come over when you're done with your studies and we'll see" is all they say.

 

I'm trying to figure out what to expect.

Yes, you can stay freiwillig and at the same, lowest rate until you become pflichtversichert when you start your job (unless your job will earn you over 60,750 euros a year, in which case you can choose to stay as a freiwillig versicherte person or choose private insurance as an option.

I am a professional independent insurance broker and authorised advertiser. Contact me.
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2 hours ago, paxbaby said:

What is a  Freiwillig Versicherung ? If I may ask and how does it work out.

It is when:

either an employee earns over 60,750 euros a year and thus can choose to stay voluntarily in public insurance or start with public insurance in their first job but over that income level instead of opting for private insurance

 

or:

 

someone has been publicly insured as an employee (or as part of a family public insurance contract ) and becomes self-employed. Then that person can opt out of public insurance whatever their income and choose private insurance if they want.

There are other examples but those are the main ones.

 

Disclaimer: I´m an independent insurance broker and an authorised advertiser on Toytown

I am a professional independent insurance broker and authorised advertiser. Contact me.
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20 hours ago, john g. said:

Yes, you can stay freiwillig and at the same, lowest rate until you become pflichtversichert when you start your job (unless your job will earn you over 60,750 euros a year, in which case you can choose to stay as a freiwillig versicherte person or choose private insurance as an option.

Thanks for the reply john g.!

This is very helpful. At least I can more-less plan my budget for the next few months.

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