Künstlersozialkasse

"Künstlersozialkasse" / Artists' Social Insurance

• What is the 'Künstlersozialkasse' (KSK)?

  The Social Security Insurance for Artists & Writers (Künstlersozialkasse - KSK) is not actually a health insurer itself, but instead it acts as an employer that allows qualified artists and some other professions to apply for membership.
  
  Upon enrolment the applicant will have access to German statutory (Public) health insurance scheme (GKV).

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• Which standards are required to become a KSK member?

  The person must be a self-employed artist and publicist within the meaning of the KSK Act (§2 KSVG)

  The act states that the person is not only temporarily self-employed in creating music, performance arts or visual arts, or is engaged as a writer, journalist or in a similar journalistic manner, as well as teaching journalism.

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• Is KSK membership compulsory for artists?

  KSK membership is not compulsory, does however have one very interesting aspect - financial support.
  
  As a member of KSK this means that you are treated as an 'employee' rather than a freelancer or self-employed. As such you are then entitled to statutory (public) health insurance (Gesetzliche Krankenversicherung – GKV), which can be provided by any of the many Kassen (companies). The monthly premiums are divided into two portions, the member pays approx. 50% and KSK subsidise the difference.

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• What is the minimum amount of income I must earn to join KSK?

  The minimum income you must earn to join KSK is 3,900€ per year.
  An exception is made for those new to their profession; they can earn less in the first 3 years.

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• I am uncertain, should I apply for KSK membership?

  If you are intending to remain in Germany long-term then membership of KSK is worth considering, despite the effects on your ‘bottom-line’ income.  There are benefits to long-term membership. If however you are NOT planning to remain in Germany long-term, then you should seriously consider whether membership is worthwhile. Bearing in mind that your contributions to the various social security schemes, especially pension, are not always refundable and (pension) is only payable at retirement age. Pension does not actually acquire any value at all until you have been contributing for a qualifying period of 2 years.
  
  One advantage of the European Union is that within the EU, this ‘qualifying’ period is valid in all EU Member States so no need to start this qualifying period again if you move within its boundaries.
  
  .. the alternatives ...
  
  The only alternative is not to join KSK. In this case you will have to sign up with a private insurance (Privat Krankenversicherung – PKV). This topic is quite complex, so you will need help from an intermediary/ broker such as ERICON broker or other health insurance specialists throughout Germany.
  
  We strongly advise not to rely solely on advice from the insurance companies themselves. They will obviously only consider their own interests/ products and not the full range of options. As a non EU citizen the choice of German private insurers willing to accept an application is unfortunately very limited.

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• How do I apply for KSK and statutory health insurance?

  Before applying for statutory health insurance you will need to receive the certificate of enrolment from KSK. The application for this needs to be submitted direct to KSK and may take a few months (up to 6 months is not unusual) - to be processed and approved.

  Download the KSK Application here.

  Please note that there is also no guarantee that every application will be approved - this is up to KSK and their strict adherence to the requirements!

  This waiting period (and the possibility of non-approval) invariably produces problems for people who need a residence permit for Germany as this must normally be applied for immediately on entry into Germany, and all the requirements finalised (including health insurance) within 2-3 months. Although it is sometimes possible to get an extension but this is very much up to the Ausländeramt (Residence Permit Office/ Foreigner's Office), or even the individual official you are dealing with.

  On receipt of KSK's approval certificate a proposal for statutory health insurance must be made to a Krankenkasse (statutory health insurer). This can be done directly with the company, however we recommend to consult a representative or broker, like ERICON broker, to deal with this matter, after all it is a complex issue. The decision of which GKV provider the applicant wishes to join up with is totally up the individual.

  The last stage before completing the whole procedure is to inform KSK of the provider you have chosen.

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• Why does KSK want to know if I am a parent?

  First and foremost, parenthood has no impact on KSK's decision to accept an application.
  
  Reason why this is of relevance is because when accepted and, in most cases, therefore joining a German statutory ("Public") health provider, those without children contribute 0.6% more towards Long-term Nursing Care which is part and parcel of  “Public” healthcare.

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• What is the "Insurance Number" on the KSK application?

  KSK are asking for your Social Security Number, which is made up of numbers and letters and is used to clearly identify a person within the social insurance structure. It consists of 12 digits in the following order:

  • 1 and 2 - Pension Insurance Institute
  • 3 to 8 - Date of birth (ddmmyy)
  • 9 - First letter of Surname
  • 10 and 11 - Gender identity
  • 12 - Checksum

  Although the Social Security Number is kind of similar to the Pension Insurance Number and latter can even be found on the Social Security Card, it is not the same because they have different identifiers.
  
  Should you be missing your Social Security Number you can apply for it at the Pension Insurance Institute (Tel 0800 / 1000 4800) or simply let KSK do the job when accepted.

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• What will statutory health insurance costs in conjuction with KSK?

  The cost of statutory health insurance (German: GKV) is related to income and shared equally between member and KSK.
  
  The exact total cost is dependent on the member's choice of statutory provider, though the current average is 15.9% (14.6% Fixed + 1.3% Additional Fee).
  
  Important to understand is that to assure that contributions are based on factual income, the person must provide KSK an assessment of their anticipated annual income and this initially and at the end of every year. And should they ever be audited, will need to affirm their declarations by providing official documentation in form of a 'Profit & Loss Report', Tax Return or any other acceptable evidence, such as: contracts, business proposals, orders, bank statements, etc.

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• I have private medical insurance and have been accepted by KSK. When will my new public health cover start?

  To avoid having to pay double for health insurance, statutory ("public") cover will not start until the month following KSK's official notification of acceptance letter.

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• Is it possible to stay uninsured, while waiting for KSK's decision?

  Whether or not a person is unsured whilst their application is being processed is not a matter that KSK is concerned about, as all they must see on acceptance is a Certificate of Insurance by either a German statutory ("public") or private insurer.
  
  HOWEVER, as since 1st January 2009 there is health insurance obligation for every person with their residence in Germany, all future health insurers have a legal commitment to check whether or not the applicant is in possession of a recognised insurance policy and if not, are enforced to charge back payments.

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• How can I find out the amount KSK have paid towards German Social Insurances?

  KSK are legally obliged to issue an Annual Statement that lists the amount of contributions that have been paid towards the German Pension Scheme and German Health Fonds, latter for medical and long-term care insurances. This document is usually sent within the 1st quarter of every year.

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• How do I change my banking information at KSK?

  To change your banking details with KSK it is required to provide them with a new and signed SEPA Direct Debit mandate.
  This document can be downloaded here.

  Please note:
  KSK only accept German bank accounts.

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• Where can I find an official English information on KSK?

  The Künstlersozialkasse have put together detailed information in English in form of the following 2 PDFs.

  • Informative Essay
  • Quick Overview

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