Calculator
Calculate your Krankentagegeld
Which daily Krankentagegeld KrankentagegeldPrivate sick pay: a daily allowance from private insurance while you are unable to work. It replaces lost income from an agreed day of illness.More about Krankentagegeld → rate closes your income gap when you are ill? Calculate your need and the premium. Anonymous and instant.
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35 years
Your Krankentagegeld recommendation
Recommended daily rate ·
Monthly Krankentagegeld ·
Recommended waiting period·
Gap after 4 weeks of illness·
Gap after 8 weeks of illness·
Estimated premiums by waiting period
| Waiting period | Premium/month (approx.) | Recommendation |
|---|
Premiums are estimates (market average 2026, non-smoker). Actual values vary with age, health and insurer. The calculator assumes self-employed people without continued pay. Employees keep receiving their salary for the first six weeks, so their gap only starts on day 43, and a waiting period of 42 days fits.
Basis of calculation: statutory rules 2026 (§§ 44 ff. SGB V), estimated premiums based on market averages. No advice, no insurance offer.
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Frequently asked questions about Krankentagegeld
How high should the daily Krankentagegeld rate be?
The starting point is your net income divided by 30. You may have fixed costs that continue during illness, such as rent, leasing payments and insurance premiums. Then a sensible daily rate follows exactly this daily need. Privately insured people have no statutory Krankengeld KrankengeldStatutory sick pay from the statutory health insurance fund. It starts when the employer stops paying wages, usually from the seventh week of illness., so the gap starts on the first day of illness. The calculator shows you the recommended daily rate based on your details.
What does the waiting period mean, and which one should I choose?
The waiting period is the time before Krankentagegeld starts to pay. The longer the waiting period, the lower the premium. If you have savings of six or more months of salary, you can choose the 42-day waiting period and save a lot, and from three months of salary 28 days are an option. If you have little in reserve, choose 14 or 21 days to cushion the risk of a longer illness. The calculator gives a recommendation based on your savings.
Is Krankentagegeld paid without limit, or is there a maximum duration?
Private Krankentagegeld plans usually pay for up to 3 years per case of illness, some until occupational disability or retirement age. Statutory Krankengeld , by contrast, is limited to 78 weeks per case of illness. In case of lasting incapacity for work, Krankentagegeld is therefore also a bridge to occupational disability cover. The exact duration is in your plan conditions.