As a part-time self-employed person, you enjoy the advantage of continuing to be covered by social insurance as usual. This means that as an employee, you will continue to be insured through your main job due to the social insurance obligation. If you are a student, you remain covered by family insurance or student insurance. Recipients of unemployment benefits 1 or 2 will still be co-insured via the employment agency.
It is important to report your sideline self-employment to your social insurance agency. This is because it must first be examined and recognized within the framework of an individual case evaluation.
These are basic criteria, but they may differ in individual cases:
The income from sideline self-employment is only of secondary economic relevance for you.
You do not work more than 20 hours a week on a self-employed basis and do not employ any staff - with the exception of one mini-jobber at the most.
You do not claim any subsidies from the employment office for the start-up project.
The income from your partial self-employment does not exceed 75% of the monthly reference amount.
IMPORTANT: The monthly reference amount is redefined every year. Currently, it is €3,290 per month (as of 2021).
However, this regulation does not apply to students who have family insurance. They are allowed to earn a maximum of 450€ per month on average. Otherwise, they must take out student insurance and comply with the prescribed income limit.
If you are then ultimately classified as a full-time self-employed person (e.g. due to exceeding working hours), you must take out either voluntary statutory or private insurance.
TIP: To avoid having to pay additional health insurance contributions, inform your health insurance company as soon as possible about your start-up plans.