GKV or PKV — what will it actually cost?

Statutory (GKV) contributions scale with your salary; private (PKV) premiums scale with your age and health. See both, and whether you're even eligible to switch.

💼 Your situation

Employment type

Gross annual salary (€)

GKV contributions are capped above the Beitragsbemessungsgrenze — extra salary above the cap doesn't raise your GKV cost.

Your age

PKV coverage tier

Family members needing separate PKV cover

GKV covers a non-earning spouse and kids for free (Familienversicherung). PKV charges a separate premium per person — this is the single biggest GKV advantage for families.

I have no children (childless surcharge applies over age 23)

Monthly cost comparison

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—GKV per month

—PKV per month

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📋 How this is calculated

GKV	Rate (employee share)
General contribution	7.3%
Average Zusatzbeitrag (2025–26)	~1.25%
Long-term care (Pflegeversicherung)	1.8% (+0.6% if childless & 23+)

Employed contributions are capped at the 2025 Beitragsbemessungsgrenze (≈€66,150/year gross); self-employed voluntary GKV members pay both halves themselves on the same capped income.

ℹ️ Estimates only. PKV premiums depend on your individual health check, insurer and exact tariff — get quotes from 2–3 insurers or a broker (Versicherungsmakler) before deciding. Real GKV Zusatzbeitrag varies slightly by fund (Krankenkasse). This tool ignores employer PKV subsidy caps and Beihilfe rules for civil servants.