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For the self-employedPrivate or statutory when self-employedRequirements for the self-employedBest plans for the self-employedSwitching to private health insuranceIs private health insurance worth itCosts and protection
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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeAs a tax advisor, you have free access to private health insurance. We show you how to cover your premium, your benefits and your loss of income wisely.
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A switch to private health insurance needs careful thought. The most important points before you decide.
A neutral comparison of the two insurance systems for tax advisors.
| Criterion | Statutory | Private |
|---|---|---|
| Premium | Voluntary members pay according to income up to the Beitragsbemessungsgrenze BBG · BeitragsbemessungsgrenzeThe contribution ceiling of statutory health and long-term care insurance. Income above this amount is not used to calculate contributions.More about BBG → and often reach the maximum contribution quickly. | Calculated from health status, age at entry and scope of benefits, regardless of profit. |
| Family | Spouses without income and children are covered free of charge. | Each person needs their own contract and pays their own premium. |
| Benefits | Care defined by law at a sufficient, appropriate and economical level. | A contract you can design individually, with guaranteed and often broader benefits. |
| Contributions in old age | Because of the pension from the Versorgungswerk , usually classed as a voluntary member, so contributions are due on all types of income. | The premium does not depend on your income. |
Real situations that show how individual the right solution is.
A premium independent of income that stays stable even in strong years and makes planning easier.
In statutory insurance, payments from the Versorgungswerk often lead to the maximum contribution. Private health insurance stays independent of income.
Krankentagegeld covered the running costs of the practice and living costs during a longer illness.
The Versorgungswerk plays a key role in the life of a tax advisor. As a special institution for the liberal professions, it makes sure that its members are well provided for in old age. When it comes to health insurance contributions in retirement, however, membership has a major disadvantage.
In retirement, you can be a member of statutory health insurance either as a voluntary member or as a compulsory member of the Krankenversicherung der Rentner KVdR · Krankenversicherung der RentnerStatutory health insurance for pensioners. Whether you qualify depends on how long you were in statutory insurance during your working life. (KVdR). Members of the KVdR pay contributions only on certain types of income, above all on the statutory pension. Rental and investment income stay free of contributions. One requirement for the KVdR is that the person was in statutory insurance for at least nine tenths of the second half of their working life and receives a statutory pension.
Because tax advisors pay into the Versorgungswerk and not into the statutory pension insurance, they are usually classed as voluntary members in retirement. Voluntary members pay health and long-term care insurance contributions on all types of income. Together with the often higher pension from the Versorgungswerk , this frequently leads to the maximum contribution of around €1,000 in retirement. You carry it alone, because Versorgungswerke pay no allowance toward health insurance contributions. Private health insurance, in contrast, stays independent of income.
The costs of basic cover, which offers benefits comparable to statutory health insurance, are fully deductible, as is any Zusatzbeitrag ZusatzbeitragThe additional contribution each statutory health insurance fund charges on top of the general rate. Its level differs from fund to fund.More about Zusatzbeitrag →. It gets more complex with extra benefits above the statutory level, such as high-quality dentures or chief physician treatment. The split is set out in the regulation on determining health insurance contribution shares (KVBEVO).
| Basic benefits (deductible) | Comfort benefits |
|---|---|
| Outpatient basic cover: 54.60% | Krankentagegeld : not deductible |
| Inpatient basic cover: 15.11% | Daily hospital allowance: not deductible |
| Dental basic cover: 9.88% | Alternative practitioner: 1.69% |
| Total basic: 79.59% | Chief physician or two-bed room: 9.24% |
| Single room: 3.64% | Dentures and implant treatment: 5.88% |
| Orthodontics: 0.26% |
So always compare net premiums, not gross premiums.
For tax advisors, there are DKV group solutions with special acceptance rules. Especially with existing illnesses, you should not assume too quickly that private health insurance is no longer possible.
PKV-Welt practical insight: With a difficult medical history, the way you reach the insurer often matters as much as the later choice of plan.
The DKV does not place tax advisors in a general Krankentagegeld plan. With the KGTS, there is a special plan of its own for this professional group. This shows why a pure price comparison often falls short for professions with a chamber, because the conditions specific to the profession also matter.
For self-employed tax advisors, the financial burden does not end when they become unable to work. Staff salaries, rent, IT and leasing keep running. In its special Krankentagegeld plans, the DKV explicitly allows these running costs of the practice to be insured as well.
So the question is not only how much income you lose, but also which costs keep running despite your illness.
According to the DKV, the special Krankentagegeld can also be taken out on its own, in addition to existing health insurance with another provider or to a statutory membership. The DKV states that it waives its ordinary right of termination for these stand-alone contracts as well.
For tax advisors, private health insurance starts at around €300. Since no employer pays half, you carry the premium alone. In return, it does not depend on your profit. Plans with good medical benefits cost about €450 to €600 per month. Krankentagegeld comes on top, depending on the amount.
Voluntary members of statutory health insurance pay according to income. With a higher profit, they quickly reach the maximum contribution of up to €1,261.32 per month including long-term care insurance, with no employer contribution. In private health insurance, solid plans start at around €450 per month. Krankentagegeld is calculated on top.
In the long term, you should expect rising premiums. From 2006 to 2026, premiums in private health insurance rose by an average of 3.4% per year according to the association of private health insurers, and in statutory health insurance by 3.9%. Since no employer cushions the premium, a solid calculation matters for tax advisors. This is why we pay special attention to premium stability.
The premium is calculated regardless of income. This helps when your work in the practice winds down. Ageing reserves cushion the premiums, and the statutory surcharge of 10% ends from age 60. With a premium relief plan, you lower your premium in retirement in a targeted way.
A deductible suits tax advisors with savings and lowers the premium. An internal plan change under § 204 VVG often saves money without changing insurer and without losing your ageing reserves. The amount of your Krankentagegeld should also match your needs.
| Parameter | Current status (voluntary statutory) | Target status (private) | Difference |
|---|---|---|---|
| Monthly premium | €1,017.19 | €540 | −€477 |
| Employer contribution | none | none | same |
| Own share, gross | €1,017.19 | €540 | −€477 |
| Total annual costs | around €12,200 | €6,480 | −€5,720 |
Sample calculation based on average plans. The voluntary statutory contribution depends on profit. Individual factors such as health status and choice of plan affect the result.
In the video: your net savings after tax
Strong plans that have proven themselves for employees in economically stable professions.
Uni-TopIprivat 300
MB0
Exklusiv-SI
PremiumMed PMN0
GSB70, GSUB90, GSUB100, GSZ100
GUP
AZP, EGO2, PS3, PSV
GesundVario400, VarioKlinik+, VarioZahn+
AM10, S1, Z9
A90/100, K20, K/S, Z100/80
GesundExtra, Premium Zahn-U
NK.select XL Bonus
Our rating for each plan on a scale from 1 to 10. We deliberately show no monthly premiums, because the premium depends on age, health and scope of benefits.
Popular benefit modules you can choose in your private health insurance.
Private health insurance should cover at least 80% of high costs for dental treatment, crowns, implants and other dentures.
Often a cost driver: how important are these benefits to you? This is a personal decision.
Private health insurance should reimburse the important preventive check-ups without restrictions.
Physiotherapy, speech therapy and occupational therapy should be reimbursed without tight benefit limits. Daily work in a practice means a lot of sitting, and your back will thank you.
The Versorgungswerk does not offer ideal cover for rehab and spa treatment. Your private health insurance plan should therefore always include this benefit.
Private health insurance should pay for medically necessary aids such as hearing aids, bandages or orthopedic insoles.
Single or two-bed room and optional medical benefits, depending on the comfort you want in hospital.
We compare the entire market and find the plan with the best balance of benefits and stable premiums.
We show you what you should know before switching to private health insurance.
Self-employed tax advisors have free access to private health insurance, regardless of income. Employed tax advisors can switch as soon as their gross salary is above the Versicherungspflichtgrenze .
Self-employed tax advisors usually do not, because no employer is involved. In return, the premium does not depend on profit and is predictable. You can also claim the premiums for basic cover for tax purposes.
Without an employer, there is no continued payment of wages during illness. Krankentagegeld replaces your lost income from an agreed day and covers the running costs of your practice and your living costs during a longer illness.
Get all your questions answered, free of charge and without obligation.
Personal advice from our specialists. Response time: under 24 hours.
From the age of 55, admission to private health insurance is often possible only with restrictions. A late switch can also mean higher premiums.
It matters to us that a switch pays off for you in the long run. That is why we do not recommend a consultation when your answers already show that the conditions are rather unfavorable.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
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