Although you are self-employed and artistically active, you cannot insure yourself as a tattoo artist through the artists' social insurance fund. So you only have the choice between:
Voluntary insurance in the statutory health insurance company
Private health insurance
But how should you decide?
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The statutory health insurance contributions are based on your income. All income up to 4,350 euros (contribution assessment limit) is subject to contributions. Anything you earn above the contribution assessment limit is exempt from contributions.
The following applies to statutory health insurance:
Those who earn little pay little
Those who earn a lot pay a lot
Once a year, the statutory health insurance company requires proof of your actual income. Your contribution will be calculated on this basis. By the way, this is always the same – depending on your income. No matter how old or how healthy/sick you are.
One advantage of SHI is definitely family insurance. You can insure family members who have little or no income free of charge.
Probably the biggest difference between SHI and PHI can be found in the range of services. Here, statutory health insurance cannot keep up with private health insurance.
Those with statutory health insurance are also limited in their choice of doctor. The SHI only covers bills from statutory health insurance doctors. Alternative healing methods are usually not covered by statutory health insurance. A single or twin room in the hospital? Gladly, but only if you pay for it yourself.
In short: Statutory health insurance only pays for what is considered medically necessary and sensible. Health insurance for tattoo artists
Tattoo artist, a profession that is becoming increasingly popular. No wonder, because as a tattoo artist you are not just someone who puts color on the skin. You are an artist, a craftsman and so much more. For some customers even a kind of therapist.
As a tattoo artist, you are self-employed and work in the artistic field. Nevertheless, health insurance through the artists’ social insurance fund is not possible for you. But which insurance should you choose? Statutory? Or better private?
Sick pay? It is also available for self-employed people at the SHI. However, only if you have insured yourself at a higher general rate. You will receive statutory health insurance sickness benefit from the 43rd day of your illness. The time until then? Are you left without income? Unless you have taken out additional insurance for this case.
Shortly about statutory health insurance:
PROS:
Free family insurance
Cheap with low salary
CONS:
Contribution depends on income
Low performance range
Sickness benefit from the 43rd day at the appropriate rate
Private health insurance (PHI)
Private health insurance contributions are not based on your income, but rather on the insurance risk. So the factors:
age
health status
tariff
deductible
With the affordable entry-level tariff you cover the service level of the statutory health insurance company. Is your income increasing? Do you want better performance? No problem, you have the option to switch to a better tariff at any time. The only catch: the renewed health check.
Health check? Before getting private health, you’ll have to do a health check. You will be asked about previous illnesses and your health history.
Pre-existing illnesses increase the insurance risk for private health insurance. The result: risk premiums or refusal to take part in private health insurance. The only exception: the basic tariff. There is no health check here. But the range of services is no better than that of statutory health insurance.
The PHI requires each family member to have their own insurance contract. With corresponding costs.
Whether it’s daily sick pay, treatment by a senior doctor or higher subsidies for dentures and glasses, private health insurance offers the right benefits for everyone. And the possibility of putting them together individually. This is one of the many advantages of private health insurance.
Important thing! As someone with private health insurance, you first have to pay medical costs etc. out of your own pocket and then apply for reimbursement from the PHI.
While with statutory health insurance sick pay is only available from the 43rd day of illness, with private health insurance the start of payment of sick pay can be freely agreed. Likewise the amount of sick pay.
About deductibles and premium refunds in private health insurance
The private health insurance company offers you the opportunity to agree on a specific deductible. Although you pay the medical treatment costs yourself up to a certain annual fee, you still save money.
Because: the higher the deductible, the lower the insurance premium!
Also a pleasant option: the premium refund. Some insurance companies offer this instead of the deductible. The plan is to reimburse up to four monthly contributions.
Shortly about health insurance:
PROS
Contributions independent of income
Individual services
Large range of services
Free agreement on the amount and start of payment of sick pay
CONS
Health check
Advance payment from your own pocket
No free family insurance
Contributions increase with age
Health insurance and unemployment
If, for whatever reason, you give up your self-employed work as a tattoo artist and become unemployed, there is something you should know about health insurance.
Unemployed + statutory health insurance = no problem
Unemployed + private health insurance = important feature
If you become unemployed as someone with statutory health insurance, you will not have any problems. Because then you are insured as normal through the service provider, i.e. the employment agency etc.
However, if you have private insurance in the event of unemployment, things look completely different. Because you can't just go back to statutory health insurance.
This means: even if you are unemployed, you have to pay your own private health insurance contributions. And you won't get it reimbursed by the office either.
A tough financial burden in the event of unemployment. But there are two ways to reduce this financial burden.
Applying for a subsidy for private health insurance
Switch to the basic tariff of private health insurance
The basic tariff is based on the benefits of statutory health insurance and is the cheapest tariff offered by private health insurance.
If you switch to employment after unemployment, you can return to statutory health insurance without any problems if you want.
Conclusion
Optimal care in the event of illness is an important aspect of life as a self-employed tattoo artist. Which form of health insurance is best for you? Many factors play a role here.
So that you don't lose track of all the information and special features, we are happy to help you with advice and support.
Simply send us a quote request. Concentrate on what's important. Your job and the fun of it. We take care of the rest.
