Members of the BMW BKK have both health and nursing care insurance. You have full insurance cover from the first day.
The rate of the insurance contributions for the BMW BKK is 15.4% for health insurance, of which compulsorily insured employees pay half (7.7%) from their gross salary, while the employer pays the other half.
As an employee with voluntary statutory health insurance cover (with an annual income of over €60,750), you do not pay 7.7 % of your gross salary but of the so-called contribution assessment ceiling, which currently stands at €4,537.50, irrespective of how much you earn.
As for nursing care insurance, the contribution rate is 3.05%, or 3.30% if you do not have any children. Again, 50% of the contribution is covered by the employer.
The membership declaration form for the BMW BKK can be requested from the BMW BKK or you can fill it in directly online.