🩺 Health and long-term care insurance for pensioners (KVdR)
In brief
If you receive a pension and were in statutory health insurance for long enough, you are compulsorily insured in the health insurance for pensioners (KVdR). The rule of thumb: in the second half of your working life you had to be in statutory health insurance for at least nine tenths of the time (9/10 rule).
The contribution is deducted from your pension. The pension insurance pays half of the general contribution.
Pensioners bear the long-term care insurance contribution alone; the pension insurance pays no share. People without children pay a surcharge of 0.6 percentage points in 2026 (4.2 percent of the gross pension in total).
Occupational pensions are also subject to contributions, but an allowance applies: in 2026 it is 197.75 euros per month.
Step by step
- Clarify your insurance statusAsk your health insurance fund whether you are a compulsory KVdR member.
- Check the contribution deduction in the pension noticeHealth and long-term care insurance are shown there as deductions.
- Know your fund's additional contributionIt differs from fund to fund and can change.
- Report your occupational pensionReport occupational pensions to the fund so that the allowance is taken into account correctly.
Deadlines
- If you do not meet the 9/10 rule, you are not in the KVdR but possibly voluntarily insured and pay contributions on all income.
- The allowance of 197.75 euros applies only to compulsorily insured KVdR members, not to voluntarily insured people, and not in long-term care insurance (where an exemption limit applies).
- Contribution rates, additional contribution and long-term care insurance (3.6 % general) come from secondary sources. Check with the carrier.
- Long-term care insurance: reductions (for example for parents of several children) were not checked.
In depth · legal basis, figures and practice – for advisers and professionals
Compulsory insurance, § 5 Abs. 1 Nr. 11 SGB V
Compulsorily insured are people who meet the requirements for receiving a pension and have applied for the pension, if from the first taking up of gainful employment until the application for the pension they were a member or family-insured under § 10 for at least nine tenths of the second half of this period.
Amount of contribution
According to association and health fund information: general contribution rate 14.6 percent, average additional contribution 2.9 percent (2026), the pension insurance bears half of both. The fund-specific additional contribution may differ. Long-term care insurance 3.6 percent of the gross pension, general rate (secondary source; § 249a SGB V and § 55 SGB XI not checked against the full text).
Pensioners bear the long-term care insurance contribution alone (no employer-type share from the DRV). People without children pay a surcharge of 0.6 percentage points in 2026, 4.2 percent of the gross pension in total.
Pension-like benefits
Occupational pensions are subject to contributions. According to secondary sources: allowance under § 226 Abs. 2 Satz 2 SGB V in 2026 of 1/20 of the monthly reference value (3,955 €), i.e. 197.75 €.
Not checked against the full text
Family insurance of spouses, contribution liability of other income (rent, capital), contribution assessment ceiling.
A question about your situation that this page does not answer? Write to us or use the contact form – we will tell you which office is responsible and what to bring. Free of charge, without individual legal advice.