Independant financial Services for SAP Staff members


Statutory and private health insurance


For the year 2016, the Federal Ministry of Health fixed an average additional contribution of 1.1 per cent payable on statutory health insurance. Due to this, the average general contribution rate increases to 15.7 per cent. The contribution assessment ceiling was adapted from EUR 4,125 EUR in 2015 to EUR 4,237.50 in 2016.

Provided that the 15.7 per cent contribution rate remains unchanged, the maximum monthly contribution to the statutory health and nursing care insurance in 2016 is EUR 764.87 (2015: EUR 736.31) or EUR 775.46 for the childless (2015: EUR 746.63).



Private Health Insurance


Employees with a gross income of more than € 56,250 in 2016 (corresponds to a monthly salary of € 4,327, if 13 monthly salaries are paid) can take out private health insurance. A change from statutory health insurance to private health insurance should be carefully considered. In an individual face-to-face consultation, we can discuss the advantages and disadvantages of each type.



If you intend to take out private health insurance,
you can benefit from the following advantages:

  • Individually calculated contribution that is often considerably lower than the statutory contribution
  • Guaranteed benefits – for a whole lifetime
  • Free choice of hospital, one-bed and two-bed rooms
  • Free choice of doctor, treatment by the head physician
  • Treatment by alternative practitioners, premium-quality dental prosthesis
  • Daily sickness allowance
  • No prescription charges, no co-payments on medication
  • Privately insured patient status: short waiting times, quick arrangement of appointments


Private supplementary insurance


If a change to private insurance does not pay off for you, you can complement or increase the benefits you have under your statutory health insurance by private supplementary insurance:

  • Supplementary dental insurance
  • Supplementary hospital insurance
  • Benefits for glasses, dental treatment, alternative practitioner treatment
  • International health insurance
  • Option for health insurance
  • Supplementary nursing care insurance


You can find my consulting office between the two SAP locations in Walldorf and St Leon-Rot, at the entry of Rot, 5 minutes away from the A5/A6 motorways.


Independent financial advice in St. Leon Rot | Heidelberg | Walldorf | Mannheim | | Mannheim | Viernheim | Heppenheim | Bensheim | Frankfurt | Darmstadt.

Für eine Terminvereinbarung rufen Sie uns an unter 06227/ 830 73 67 oder senden Sie Ihre Anfrage über unser Kontaktformular.

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