Free Choice for the Self-Employed Agent
A self-employed estate agent (Makler) can take PKV from the start under the free-choice rule for the self-employed. As with other commission-based professions, the eligibility is straightforward and the structuring is where the thought goes, because income arrives in lumps rather than a steady monthly salary.
Commission Income and Cover
An agent’s earnings can swing widely between a busy quarter and a quiet one. That argues for a premium you can meet in a slow period and a deliberate approach to the excess. It also makes a daily sickness benefit worth having, since a spell of illness during a live deal pipeline can cost real commission.
Plan for the lean quarter: set the premium and excess against your quietest months, not your best. A tariff that is comfortable in a strong quarter but a strain in a weak one is the wrong shape for commission income.
What to Set Up
- Sustainable premium: affordable through a quiet period.
- Daily sickness benefit: to protect earnings if illness stops you working a pipeline.
- Excess matched to reserves: a higher excess only if your cash buffer can absorb it.
- Long-term view: plan premiums into retirement and consider a relief tariff.
A broker used to self-employed, commission-based clients can size the daily benefit and excess to how your income actually behaves, so the cover holds through the swings rather than only in a good year.
Frequently Asked Questions
Compare PKV Tariffs for Your Situation
Our independent advisors help expats and professionals find the right private health insurance — personalised to your age, health, and budget.
Get My Free Quote