The three-year rule and the year working pay limit the year working pay limit is adjusted upward annually and currently stands at 48.600 euro. Since February 2007, no longer the current and expected, but also the retroactive salary for the classification is considered. Thus the possibility of absorption in the PKV arises for employees in employment subject to social insurance contributions only, when they have exceeded the income limit each set constant for three years. Not only the gross wage is taken into account, but also capital-forming payments and special payments, such as Christmas and holiday pay and a 13th and 14th salary. In the gross annual salary supplements for special work (night, Sunday and holiday work) and compensation for travel expenses do not count however. Workers from an overseas assignment with a correspondingly sufficient merit return, they also have the possibility to insure private. You may pay of their trust choose.
Self-employed persons in certain occupational groups facing difficulties with private health insurance. For gardeners, artists, farmers, or journalists, for example, no auto insurance freedom exists, because their wobbly and irregular income offers enough financial security. Go independent or freelancer again in employment relationship subject to social insurance, they also have to spend again three years in the statutory health insurance. Achieves the required income, so good earners can maintain continue their contract with a qualifying insurance policy for this time. Their posts and provisions for pension plans to rest for three years. Then, if the insurance limit is reached, they benefit from the fact that there is no reconsideration of health. The increased age leads to no contribution disadvantages. Periods of unpaid leave, parental leave, as well as receiving sickness or maternity protection money are excluded from the terms of the three-year rule.