Krankengeld — Sick Pay

What is it?

Krankengeld is money from Krankenkasse (health insurance) when you're sick for longer than 6 weeks.

How does it work over time?

How much exactly do you get?

70% of gross salary, but max 90% of net salary.

Example (salary €3000 gross, €2100 net):
- 70% gross = €2100
- 90% net = €1890
- You receive the lower amount: €1890

Maximum: approx. €120/day = ~€3600/month

How long can you receive it?

• Max 78 weeks (1.5 years) within 3 years
• For the same illness!
• Different illnesses = separate counting

What do you need to do?

1. Have Krankschreibung — doctor sends it electronically
2. Inform your employer — continuously
3. Submit application to Krankenkasse — online/paper form
4. Be available — you may need to go for a medical examination (MDK)

When do you NOT receive Krankengeld?

• Minijob (up to €520)
• Self-employment without voluntary insurance
• Unemployment benefit (ALG I)
• Students

What after 78 weeks?

Options:
1. Return to work
2. Disability pension (Erwerbsminderungsrente)
3. Rehabilitation (Reha)
4. Unemployment benefit (Arbeitslosengeld)

Tips:

• Stay in contact with Krankenkasse
• Consider rehabilitation (Reha) early (may speed up recovery)
• Report to employment office if unsure about returning to work

Editorial hamboorg.city · As of: April 2026 · Carefully prepared, regularly updated. Content is informational and does not replace legal advice.