Artists' Social Insurance in Germany

KSK membership is not compulsory but if required the application needs to be submitted direct to them and may take a few months - up to 8 months is not unusual - to be processed.  Not only does one have to wait a couple of months but there is also no guarantee that every application is approved due to their strict adherence to the requirements.

The issue with the waiting period

The lengthy waiting period, and possibility of non-approval, invariably produces concerns to those who are in need of a residence permit for Germany, a matter that must be taken care of immediately on entry into Germany, having all boxes checked (including health insurance) within 3 months. Although exceptions grant extension, this is very much up to the Ausländerbehörde (Foreign Office), or even the individual case-handler dealing with your file.

Another aspect people tend to forget is that after months of waiting, when the day finally arrives and they open KSK's acceptance letter, that they are required to make back-payments on the pension plan contributions. The amount due in 2019 is 9.3% of the assessable income, for both "employee" (KSK member) and "employer "(KSK), totalling at 18.6%. Thus, having waited e.g. 8 months on 12,000€ assessable income, 744€ (8 months x 93€) needs to be paid in full and within 2 weeks of receiving KSK's Certificate of Membership.

The Benefits of KSK

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 entitled to join the statutory (public) health insurance (gesetzliche Krankenversicherung (GKV), which can be provided by more than 100 providers (Krankenkassen). Having secured this kind of health care, medical and long-term-care insurance are in place and the costs are equally shared between member and KSK.

The cost of German statutory insurance is related to income and you will need to provide KSK annual assessments of the anticipated annual income in form of a Profit & Loss Report and/ or Tax Return, supported by other acceptable documentation like: contracts, business proposals, orders, etc.  The current rate for any GKV plan is dectated by legislation and for 2019 set at 14.6% of the individual's gross earnings. On top of this the the insurers charge a fee set at their own discretion, in average 1%. Lucikly the choice of GKV provider, as also the application procedure, is totally up to the member. Thus, one can shop-around for the best solution (monetary or benefically), providing KSK with a temporary membership certiciate when applying for KSK membership.