The Threshold Looks at Total Income
Eligibility to switch to PKV as an employee turns on your regular annual salary passing the income threshold. With more than one job, the question is how the earnings combine. Regular employment income from your jobs is considered together against the threshold, so two roles that each sit below it can add up to cross it, depending on the nature of the work.
Where It Gets Complicated
- Main and secondary employment: which job is your main occupation affects how contributions and status are handled.
- Minijobs alongside a main job: a marginal minijob is treated differently from a second substantial role.
- Self-employment plus employment: combining a job with self-employed work changes the assessment again.
- Regular versus one-off income: the threshold looks at regular, foreseeable earnings, not one-off payments.
Get the assessment right: with multiple income sources, whether you can switch to PKV, and whether you should, depends on how the earnings are classified and combined. This is a case where a proper eligibility check pays for itself.
What to Do
If you have several employers or mix employment with self-employment, do not assume the simple threshold rule applies cleanly. Have your total situation assessed, because the classification of each income source decides both your eligibility and your contribution position. A broker or the relevant authority can confirm where you stand before you make any move, so you switch on solid ground rather than a guess.
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