What is Krankengeld?

If you are an employee, you get sick pay (Krankengeld) when you are too sick to work. For the first 6 weeks, you are paid your full salary. After 6 weeks, you only get 70% of your salary1. You can get Krankengeld for up to 78 weeks every 3 years1.

If you are a freelancer, you do not get Krankengeld. If you want Krankengeld, you must pay a little more each month for your health insurance1. Even then, you only get Krankengeld after 6 weeks1. You can also get disability insurance (Berufsunfähigkeitsversicherung). It pays your salary if you are too sick or injured to work.