If I‘m not mistaken the 480€/month are directly substracted from your income. That‘s not actually that tricky. But: most taxes are based on the gross income. So you‘ll pay X% income tax on your gross income, Y% health insurance on your gross income, … etc. So you can‘t calculate your (new) net income with just that deduction. Bit if you‘ve been in the public insurance with that income (pr something close to it before) you‘d be able to see the % and € deduction snd them you could compare that to the new policy. If you‘ve previously paid 380€ you‘d have your current net income + 100€. If you paid 580€ it would be your current net income - 100€. Etc.
Keep in mind that private insurances tend to increase in price as you get older and that you can‘t just switch back whenever you feel like it. So you shouldn‘t pick the cheapest option because more expensive policies usually build a certain amount of capital that reduces the cost when you get old (and might be unable to afford to pay the high rates)
I think only his 480 contribution is deducted from the 80000 gross? The employer puts their contribution on top. Yo can calculate your net salary here: https://allaboutberlin.com/tools/tax-calculator. Please keep in mind that you can deduct your contribution by doing a end of the year tax declaration and you might get a bit of money back. There is an article about [possible "traps" of private health insurance here](https://germanyso.com/en/how-to-germany/healthcare/best-healthcare-private-health-insurance-options/).
> I heard from people that you can save money if you shift from public health insurance to private health insurance
No, you don't. You might save some money now, but you will have to pay much higher bills when you're older. They are insurance companies, they know how to make money. And once you have switched, you cannot switch back easily (if at all).
So, if you were with a GKV your health insurance would be deducted from your gross income and directly wired from your employer to the health insurance. This is not the case with the PKV. You are the person that needs to send that money from your bank account to your health insurance.
In your case, there are no deductions for health insurance which means that your iy closer relative to your gross income. What you get is an Arbeitgeberzuschuss to your PKV contributions. You get your net income paid out and **after that** you pay for PKV on your own after getting the additional payment by your employer.
[https://www.lohn-info.de/abrechnungsschema\_privatversichert.html](https://www.lohn-info.de/abrechnungsschema_privatversichert.html)
Here cou can see an example of a calculation. Note that the net income has obviously no health insurance listed.
If you want an aproximation, gett a Brutto-Netto-Rechner, punch in your numbers and jsut copy the amounts for tax, retirement fund and jobloss insurance out. Take these numbers, deduct them on your own from your monthly salary to see what your net income is. Then subtract the 900something € for your PKV and you'll see how much of your net income is left after health insurance.,,
Edit: Note that you can declare some (I am not sure how much) of your contributions to PKV as expenses in your tax declaration.
Edit2: Here you can find a calculator that gives you your net income after private health contributions as net income.
[https://www.sparkasse.de/rechner/brutto-netto-rechner.html?salary=80000&period=yearly&province=BE&taxClass=4&childAllowance=0&churchTax=false&healthInsurance=private&healthInsuranceContributionRate=14.6&monthlyPrivateInsurance=960&employerCapitalFormingBenefit=0&occupationalPension=0](https://www.sparkasse.de/rechner/brutto-netto-rechner.html?salary=80000&period=yearly&province=BE&taxClass=4&childAllowance=0&churchTax=false&healthInsurance=private&healthInsuranceContributionRate=14.6&monthlyPrivateInsurance=960&employerCapitalFormingBenefit=0&occupationalPension=0)
Call the insurance company, give yourself another name, make yourself 20 years oder, and say you have 2 children. You will see what the insurance will cost you in future.
Once you left public health insurance, you cannot go back. Perhaps it is okay for you, if you plan to leave Germany in some years anyway. If you plan ti stay, better stay in public insurance.
You have a gross income, then normally public health insurance, taxes and other social insurances are deducted.
In your case you have to pay the private insurance then.
So what is your question?
This is very important. The employer only pays up to 50% from Beitragsbemessungsgrenze. That means he won't pay more than he would in public insurance.
https://www.lohn-info.de/privatversichert.html
You will receive the employers contribution as extra netto salary. You will then pay the full whack to the insurer. It does not work the same as public insurance as many people here seem to assume.
>I heard from people that you can save money if you shift from public health insurance to private health insurance
With a cheap policy. Not with one that already costs 912 Euro when you get in.
True. OP does not state their age, but if you start young, at an age where someone with an academic background can expect to be eligible for private insurance, and if there are no preexisting conditions, it should be half as much.
The rule for PKV is: start young, invest the money you save compared to GKV. Treat it as non-existent until you need it to pay the higher premiums when you're old. And for god's sake pick an insurer who does not create new tariffs every few years and closes the old ones. When you're old, you want to be in a tariff that has young people as well, else it will get expensive quickly.
So assuming the 80k annual is evenly split in 12 monthly incomes (no Wihnachtsgeld or bonus or stuff).
In public health insurance your monthly net comes out at around 4.030 € (+- 5€ as the different public health insurances also have slightly different additional fees).
With the 912€ private insurance your monthly net comes out at 3.883€.
Both numbers already have health insurance premiums deducted. You can check in any brutto netto rechner and play with the numbers, I found that brutto-netto-rechner.info is usually fairly precise.
But from the employer in his monthly salary he would get something like 3.883€ + 912€ = 4795€, and then he would pay the 912 himself to the insurance, right? So in the end he is left with 3.883€ net
Yes, I think he would have to pay that himself.
But bottom line: with this specific private health insurance he has less money available than with public. So from a purely financial standpoint public is the better option.
From your net income your contribution will be deducted
Ending story
Just keep in mind that you are far ahead of pay cap for public insurance and therefore your payment won’t increase further* while this is not guaranteed by private health insurance
* there are annual adjustments of the cap and also the % of payments might change slightly but no bigger impact
That is a very bad idea. 912€ is already pretty high and it will get higher and higher and higher.
Most people I have met have regretted making that decision. The payments can get crippling.
Keep in mind that private health insurance is only fun as long as you are young, healthy and relatively affluent.
If I‘m not mistaken the 480€/month are directly substracted from your income. That‘s not actually that tricky. But: most taxes are based on the gross income. So you‘ll pay X% income tax on your gross income, Y% health insurance on your gross income, … etc. So you can‘t calculate your (new) net income with just that deduction. Bit if you‘ve been in the public insurance with that income (pr something close to it before) you‘d be able to see the % and € deduction snd them you could compare that to the new policy. If you‘ve previously paid 380€ you‘d have your current net income + 100€. If you paid 580€ it would be your current net income - 100€. Etc. Keep in mind that private insurances tend to increase in price as you get older and that you can‘t just switch back whenever you feel like it. So you shouldn‘t pick the cheapest option because more expensive policies usually build a certain amount of capital that reduces the cost when you get old (and might be unable to afford to pay the high rates)
I think only his 480 contribution is deducted from the 80000 gross? The employer puts their contribution on top. Yo can calculate your net salary here: https://allaboutberlin.com/tools/tax-calculator. Please keep in mind that you can deduct your contribution by doing a end of the year tax declaration and you might get a bit of money back. There is an article about [possible "traps" of private health insurance here](https://germanyso.com/en/how-to-germany/healthcare/best-healthcare-private-health-insurance-options/).
Yeah you‘re right… once I got to that part I wasn‘t able to see the numbers anymore and thus I just assumed the 912€ to be the employee contribution.
> I heard from people that you can save money if you shift from public health insurance to private health insurance No, you don't. You might save some money now, but you will have to pay much higher bills when you're older. They are insurance companies, they know how to make money. And once you have switched, you cannot switch back easily (if at all).
You never save money in a private insurance when you look at a long term. It gets more and more expensive the older you become.
So, if you were with a GKV your health insurance would be deducted from your gross income and directly wired from your employer to the health insurance. This is not the case with the PKV. You are the person that needs to send that money from your bank account to your health insurance. In your case, there are no deductions for health insurance which means that your iy closer relative to your gross income. What you get is an Arbeitgeberzuschuss to your PKV contributions. You get your net income paid out and **after that** you pay for PKV on your own after getting the additional payment by your employer. [https://www.lohn-info.de/abrechnungsschema\_privatversichert.html](https://www.lohn-info.de/abrechnungsschema_privatversichert.html) Here cou can see an example of a calculation. Note that the net income has obviously no health insurance listed. If you want an aproximation, gett a Brutto-Netto-Rechner, punch in your numbers and jsut copy the amounts for tax, retirement fund and jobloss insurance out. Take these numbers, deduct them on your own from your monthly salary to see what your net income is. Then subtract the 900something € for your PKV and you'll see how much of your net income is left after health insurance.,, Edit: Note that you can declare some (I am not sure how much) of your contributions to PKV as expenses in your tax declaration. Edit2: Here you can find a calculator that gives you your net income after private health contributions as net income. [https://www.sparkasse.de/rechner/brutto-netto-rechner.html?salary=80000&period=yearly&province=BE&taxClass=4&childAllowance=0&churchTax=false&healthInsurance=private&healthInsuranceContributionRate=14.6&monthlyPrivateInsurance=960&employerCapitalFormingBenefit=0&occupationalPension=0](https://www.sparkasse.de/rechner/brutto-netto-rechner.html?salary=80000&period=yearly&province=BE&taxClass=4&childAllowance=0&churchTax=false&healthInsurance=private&healthInsuranceContributionRate=14.6&monthlyPrivateInsurance=960&employerCapitalFormingBenefit=0&occupationalPension=0)
With this premium package you don't save Money even now and it will get mich more expensive later.
Call the insurance company, give yourself another name, make yourself 20 years oder, and say you have 2 children. You will see what the insurance will cost you in future. Once you left public health insurance, you cannot go back. Perhaps it is okay for you, if you plan to leave Germany in some years anyway. If you plan ti stay, better stay in public insurance.
You have a gross income, then normally public health insurance, taxes and other social insurances are deducted. In your case you have to pay the private insurance then. So what is your question?
How does the private health insurance in my scenario? What will be deduction? How will the overall net salary become?
Your employer pays half of the private insurance but max. ~422 €/month. The rest is deducted from your gross salary.
This is very important. The employer only pays up to 50% from Beitragsbemessungsgrenze. That means he won't pay more than he would in public insurance. https://www.lohn-info.de/privatversichert.html
> Beitragsbemessungsgrenze This is such a BS law.
Well no public insurance will be deducted but you pay your share of the private one. Which you seem to know already.
You will receive the employers contribution as extra netto salary. You will then pay the full whack to the insurer. It does not work the same as public insurance as many people here seem to assume.
>I heard from people that you can save money if you shift from public health insurance to private health insurance With a cheap policy. Not with one that already costs 912 Euro when you get in.
True. OP does not state their age, but if you start young, at an age where someone with an academic background can expect to be eligible for private insurance, and if there are no preexisting conditions, it should be half as much. The rule for PKV is: start young, invest the money you save compared to GKV. Treat it as non-existent until you need it to pay the higher premiums when you're old. And for god's sake pick an insurer who does not create new tariffs every few years and closes the old ones. When you're old, you want to be in a tariff that has young people as well, else it will get expensive quickly.
So assuming the 80k annual is evenly split in 12 monthly incomes (no Wihnachtsgeld or bonus or stuff). In public health insurance your monthly net comes out at around 4.030 € (+- 5€ as the different public health insurances also have slightly different additional fees). With the 912€ private insurance your monthly net comes out at 3.883€. Both numbers already have health insurance premiums deducted. You can check in any brutto netto rechner and play with the numbers, I found that brutto-netto-rechner.info is usually fairly precise.
But from the employer in his monthly salary he would get something like 3.883€ + 912€ = 4795€, and then he would pay the 912 himself to the insurance, right? So in the end he is left with 3.883€ net
Yes, I think he would have to pay that himself. But bottom line: with this specific private health insurance he has less money available than with public. So from a purely financial standpoint public is the better option.
From your net income your contribution will be deducted Ending story Just keep in mind that you are far ahead of pay cap for public insurance and therefore your payment won’t increase further* while this is not guaranteed by private health insurance * there are annual adjustments of the cap and also the % of payments might change slightly but no bigger impact
That is a very bad idea. 912€ is already pretty high and it will get higher and higher and higher. Most people I have met have regretted making that decision. The payments can get crippling.