Re:Pharma CEO Worries Americans Will Embrace Single-Payer Plan
by trymas on Thursday September 14, 2017 @03:29PM
(#15251692)
Slight offtopic. Did I understand right that there is a limit for 'Krankenkasse' monthly payment?
Where I live - there is no limit.
If your _payroll_ is ~1315eur, that means your _income_ is 1000eur, because you've paid (or employer did that for you):
- 15% income tax (~197eur),
- public health insurance 6% (~79eur),
- public retirement fund 3% (~40eur).
- employer pays 31.18% of the _payroll_ to public health insurance (~410eur).
Making the __whole employment price__ - 1726eur, of which 489eur goes to public health insurance. If your __income__ is 10 000eur - everything is tenfold.
I do not know nuances of self employment, but you pay less for the public health insurance. From 1726eur, you'd pay ~234eur for public health insurance and ~181eur income tax - leaving you with ~1311eur.
This covers you, your kids and your partner if he/she is not working. If your partner is working, he/she pays like you.
So, imagine you are a family of four, both self employed, the maximum you pay is 656.85€ x 12 x 2 = 15764€/year. This covers 100% of the kids medications, 70 to 100% of the adult medications, 100% of the visit to the doctor and stay in a hospital. You do not have to pay and get reimbursed, you just provide your insurance card and the doctor/hospital will automatically charge your insurance (Krankenkasse).
The system is working a bit differently if you opt-in for a private insurance.
Edit: I cannot reply to the question about the maximum, so, answering as an edit. Yes you have a maximum and the values I gave are at this maximum.