½ûÂþÌìÌÃ

Menu
½ûÂþÌìÌÃ

Health insurance for artists

Post new topic

john g.

Germany -and especially Berlin - is really becoming a mecca for expat artists of all kinds. The booming scene and what is seen as a city with a relatively low cost of living make it attractive!
These artists still have to get health insured, though! And many don´t have a lot of spare cash!!!
So, what can you do?
Well, since 1983 there has been the so-called "Künstlersozialkasse ", an organisation which helps ensure affordable public health insurance for certain professions but with strict criteria.
The KSK itself is not a health insurer (Krankenkasse ) but you submit your application directly to them. If successful ( but it can take many months and there is no guarantee of acceptance ), a freelance/self-employed artist is actually treated as an employee (!!) and so is guaranteed access to one of over 200 public Kassen - with the KSK paying around half of your statutory contribution!
This is also interesting for non-EU citizens who otherwise wouldn´t usually have access to public health insurance.
The price depends on your income as is always the case with public insurance.
However: one downside is being part of the public system also means having to pay nearly 10% of your gross earnings into the national pension plan..which may end up being more expensive than just taking out a private health insurance plan if you´re not intending to stay very long term!
Bear in mind, though, it can take many months (6-8 sometimes ) to get accepted so you have to have some kind of legal health insurance running before acceptance!

murb

Hi!

I´ll write some facts about my situation, maybe someone can say, what can I do about the health insurance, right now I don´t have any.

I moved here 1 year ago with my boyfriend(german), I registrated myself (I´m from Estonia), took language courses and then just lived here, I was making art, but never worked here in Berlin. I had no insurance and now I want to clear this thing. Is it possible, that I´ll get problems that I didn´t have insurance all this year?

I continiue to live like that - making art, maybe sometimes selling something, but living without stable income. Is so-called "Künstlersozialkasse" something for me?

Where I can start?

I´m thankful about every tips.


Maarja

john g.

Hello Maarja! it is difficult to get into the artists´insurance - proof of income, proof of your status etc. Even if they take you, it´ll take months - maybe 6-8. The problem is: you would then get into public insurance and they would say " whoops, you haven´t paid into the system all this time" and would expect backpayments. There is, however, no guarantee they would take you - and you could have an accident or a serious illness in the meantime ( not that I wish that). Your best bet is to sign first of all for a legally acceptable international health insurance to cover you for worst case scenarios and then reassess later.

murb

Thank you for answer, John!
Do you think they´ll say it everywhere, this: "whoops, you haven´t paid into the system all this time and we would expect backpayments" :)
I don´t have any money, so I´ll go to prison, or what. As you see, I´m a bit afraid of German Money System...I´m out of NORMAL, so I have problems and I wonder how to come in there.

john g.

yes, the law demands backpayments! No prison -don´t worry!But they CAN throw you of the country. The other issue now: if you come to Germany and don´t get publicly insured within 3 months, they will no longer accept applications anyway. So you need to be active and get a legal international insurance - you NEED health insurance anyway.

murb

Ok, I put my attention on the legal international insurance now, maybe it helps me to go on without beeing thrown out of the country. 

Many thanks,
M.

john g.

Good luck!

murb

If someone is in same trouble I am, it´s good to talk them first:

M.

Articles to help you in your expat project in Berlin

  • The German healthcare system
    The German healthcare system

    The German healthcare system is neither homogenous nor static. On the contrary, it has various actors (i.e., ...

  • Elderly care in Germany
    Elderly care in Germany

    Germany may not have the sunshine and beaches of the Mediterranean or Southeast Asia, but it is among Europe's ...

  • Citizens Relief Act
    Citizens Relief Act

    There's been a lovely new German word since January 2010: das Bürgerentlastungsgesetz! I´ve ...

  • Emergency in Germany
    Emergency in Germany

    One of the biggest worries expats have to deal with when arriving in a new country is what to do in case of an ...

  • legality of your health insurance?
    legality of your health insurance?

    Hi everyone!I´ve just discovered this site but am not 100% PC-literate (know the word "blog" but am still ...

  • Health insurance update
    Health insurance update

    Since my last blog, the noose has tightened even further as far as freelance/self-employed expats in Germany ...

  • Universities in Berlin
    Universities in Berlin

    Studying in Germany is a rewarding and fulfilling experience, which may open many doors to professional ...

  • Student life in Berlin
    Student life in Berlin

    Living in Berlin as a student will probably be one of your most rewarding life experiences, as the city offers ...

All of Berlin's guide articles