Securing income during illness
Reliably protect your income during extended illness with nextsure's daily sickness allowance insurance. Digital coverage for employees, self-employed, and freelancers.
Comprehensive Income Security
Flexible Pricing
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What is a daily sickness benefit insurance and who needs it?
Definition & Purpose
Target Audiences in Focus
Demarcation from GKV/PKV
Close the legal loophole
An overview of the key benefits of daily sickness allowance insurance
A daily sickness benefits insurance (KTG) is an essential private additional insurance that secures financial losses in case of prolonged inability to work due to illness or accident. It steps in when the statutory continued payment of wages by the employer ends after six weeks, and the sickness benefit from the statutory health insurance (GKV) is insufficient to maintain your accustomed standard of living. Self-employed professionals and freelancers often have no entitlement to statutory sickness benefits and are therefore particularly reliant on private coverage. The KTG pays you an agreed daily rate for each day of medically certified inability to work – including Sundays and public holidays. This amount is tax-free and is intended to bridge the gap between statutory sickness benefits and your net income. In this way, you can continue to cover ongoing expenses such as rent, loans, and living costs without having to dip into your savings. At nextsure, you can flexibly adjust the amount of daily sickness benefits and the start of benefits to suit your individual needs. A digital contract conclusion and transparent contract design are a matter of course for us in order to offer you maximum security and clarity. Thus, the daily sickness benefits insurance is a fundamental component of income security for all working professionals.
Our Services
Your income optimally protected
Daily rate selection
Determine the amount of your daily sickness allowance individually.
Grace Period Flex
Select the start of coverage to suit your situation.
GKV Schutzplus
Ideal supplement to statutory sick pay for employees.
Self-Employed Safe
Financial security for freelancers and self-employed individuals in case of illness.
Digital Degree
Conveniently and quickly complete online, without paperwork.
Globally Valid
Insurance coverage often also applies during temporary stays abroad.
Tax Advantage
Sickness benefits paid are tax-free.
Fair exam
Answer health questions transparently and fairly.
Immediate Consultation
Our experts support you both digitally and personally.
With the daily sickness allowance insurance from nextsure
Secure now
Your income!
Who is daily sickness allowance insurance particularly useful for? Employees, self-employed, freelancers.
The sickness daily allowance insurance is of essential importance for various professional groups to offset income losses during extended illness. **Employees** benefit because statutory sick pay often falls significantly below net income – typically only about 70% of gross income, and at most 90% of net income, with a contribution assessment ceiling. This gap can be significant. **Self-employed and freelancers** face an even higher risk: Without private cover, they often receive no state support in case of illness or only after a very long waiting period from an optional tariff of their statutory health insurance, which is often inadequate. A private sickness daily allowance insurance is therefore vital for them to compensate for income loss and to cover ongoing business as well as private expenses. Also, **high-earning employees** whose income exceeds the statutory health insurance contribution ceiling have a particularly large gap between net income and statutory sick pay. At nextsure, you will find bespoke tariffs tailored to the specific needs of these target groups, including flexible waiting periods and daily rates.
Calculate Sickness Benefit: How to Determine the Right Amount
Accurately calculating the amount of your daily sickness allowance is crucial to ensure optimal coverage in the event of a claim and to avoid either over- or under-insurance. As a general rule, the daily sickness allowance should cover the difference between your monthly net income and the statutory sickness benefit (for those insured with statutory health insurance). First, determine your average monthly net income over the last 12 months. Those insured with statutory health insurance can then calculate their expected sickness benefit (approximately 70% of gross income, with a maximum of about 90% of net income, capped by the contribution assessment ceiling). The difference is the amount your daily sickness allowance insurance should cover each month. Divide this amount by 30 to find the required daily rate. Self-employed individuals and freelancers, who do not qualify for statutory sickness benefits, should insure their entire net income or the amount needed to cover their private and business fixed costs. Also consider one-time annual payments to establish a realistic calculation basis. At nextsure, we support you with digital calculators and transparent advice to help you determine the daily rate that suits you simply and precisely. Remember: the daily sickness allowance must not exceed your net income (prohibition of enrichment).
Waiting period in health insurance for daily allowance: What does it mean?
The waiting period in a daily sickness benefit insurance refers to the period from the start of incapacity to work during which no benefits – i.e., no daily sickness allowance – are paid. Only after this contractually agreed period has elapsed does the payment of the daily sickness allowance commence. The choice of waiting period directly affects the premium amount: A longer waiting period generally leads to lower premiums because the insurance comes into effect later. For employees, it is common to choose a waiting period that is aligned with the duration of statutory continued payment of wages by the employer, typically from the 43rd day (after 6 weeks). Self-employed individuals and freelancers have more flexibility here and can choose shorter waiting periods depending on their financial bridging options, e.g., from the 15th, 22nd, or 29th day of incapacity to work. However, a shorter waiting period results in higher contributions. Carefully consider how long you can bridge a loss of income from your own funds before deciding on a waiting period. nextsure offers you various options for the waiting period to tailor your daily sickness benefit insurance optimally to your personal situation and financial buffer zone. A careful consideration is crucial here for needs-based protection.
Sickness benefits and taxes: Important aspects for your tax return
An important advantage of private daily sickness benefit insurance is that the payouts – that is, the daily sickness benefit itself – are tax-free. This means you do not have to declare the daily payments as income in your tax return and pay taxes on them. This differentiates private daily sickness benefit from the sickness benefit of statutory health insurance, which is also paid out tax-free, but is subject to the progression reservation. This means that statutory sickness benefit is used to determine your personal tax rate and can thus indirectly increase the tax burden on your remaining taxable income. Private daily sickness benefit is not subject to this progression reservation. However, the contributions you pay for your private daily sickness benefit insurance can be claimed in your tax return as precautionary expenses within the framework of other precautionary expenses. This can reduce your tax burden. Be mindful of the applicable maximum amounts. For precise tax advice, it is always advisable to consult a tax advisor. nextsure provides you with all the necessary contribution certificates for your tax return digitally and straightforwardly.
Occupational disability
Long-term security
Dental Supplement Protection
Healthy Smile
Accident Prevention
Actively protected
Health questions in daily sickness allowance insurance: Honesty is the best policy
When concluding a health insurance policy with daily sickness benefits, medical questions are a central part of the application process. Based on your answers, the insurance company assesses the individual risk and decides on the acceptance of the application, as well as the premium amount and possible benefit exclusions or risk surcharges. It is of utmost importance to answer all health questions completely and truthfully. Do not withhold any pre-existing conditions, ongoing treatments, or health issues, even if they seem minor to you. Incorrect or incomplete information can have severe consequences: in the event of a claim, the insurer may refuse payment, withdraw from the contract, or contest it. This is referred to as a breach of pre-contractual duty of disclosure. Prepare thoroughly for answering the health questions by consulting your doctors if necessary and reviewing your medical records. At nextsure, we value a transparent process. If you are unsure how to interpret a question, our experts are on hand to advise you, ensuring that your application is correct and complete and that you enjoy full insurance cover in the event of a claim.
Sickness Daily Allowance Insurance vs. Occupational Disability Insurance: The Differences
Health Insurance for Daily Allowance (KTG) and Disability Insurance (BU) both serve to secure income but cover different risks and provide benefits in different situations. The **Health Insurance for Daily Allowance** pays an agreed daily rate during temporary, medically certified inability to work due to illness or accident. The benefit is usually not unlimited in time, often ending with the onset of a disability or reaching retirement age. Its focus is on bridging income gaps during the recovery phase. The **Disability Insurance**, on the other hand, provides benefits if you are expected to be unable to perform at least 50% of your last occupation due to illness, accident, or decline in strength, usually for at least six months. It pays a monthly pension, often until the agreed contract end or retirement. The BU thus insures against the long-term existential loss of the ability to work. Both insurances are important and ideally complement each other: The KTG secures income during longer illnesses, while the BU comes into play in the event of permanent disability. nextsure advises you comprehensively on both forms of protection to ensure seamless income security for every life situation.
Termination of daily sickness allowance insurance: Deadlines and what to consider
Cancelling a daily sickness allowance insurance should be carefully considered, as it represents important financial protection. There are ordinary and extraordinary termination rights. An **ordinary termination** is generally possible at the end of an insurance year or an agreed contract term, subject to a notice period (usually three months). You will find the exact deadlines in your insurance policy. An **extraordinary termination** can occur, for instance, if the insurer increases the premiums without adjusting the benefits accordingly, or in the case of a claim. Specific deadlines also apply here. Before you cancel, make sure you have already secured seamless insurance coverage with another provider, especially if you are still dependent on this protection. Renewing insurance can involve new health questions and possibly higher premiums or exclusions, particularly in advanced age or changed health situations. Weigh the reasons for cancellation carefully. Sometimes, adjusting the existing contract (e.g., reducing the daily rate to save on premiums) may be an alternative. nextsure focuses on transparency: We clearly inform you about your cancellation options and advise you on possible alternatives before you make a decision.
How quickly will I receive benefits from the daily sickness allowance insurance?
With the daily sickness allowance insurance from nextsure, you can secure your income in case of illness simply, digitally, and reliably. We understand that for digitally-inclined customers, self-employed individuals, and families, a swift and uncomplicated solution is crucial. Our offering is characterised by flexible tariffs that you can tailor to your individual needs – from the amount of the daily rate to the choice of waiting period. The entire process, from information through comparison to completion, is completely digitalised with nextsure. This saves you time and effort. Thanks to our SEO-optimised content and clear explanations, you will find all relevant information quickly and clearly prepared. Our expert advisors are available to assist you with questions either digitally or by phone. We are committed to transparency regarding contract terms and costs. As an insurtech focused on niche insurance, we offer you not only a strong product but also a modern service that fits your digital lifestyle. Bridge the income gap in case of illness and trust nextsure – your partner for digital insurance protection and financial stability.
