DEBIG direkt gesund Supplementary rate & contributions 2026
14.6% general rate + 3.69% supplementary rate · Employer and employee each pay half of the contribution.
BIG direkt gesund is a Guild fund (IKK) based in Dortmund. At 3.69%, its supplementary rate is 0.32 percentage points above the average of all statutory funds (3.37%). Since the beginning of 2022 the fund has adjusted its supplementary rate 4 times, most recently on 01/01/2026 by +0.3 percentage points to 3.69%.
Supplementary rate of BIG direkt gesund in recent years
| Valid from | Supplementary rate | Change |
|---|---|---|
| 01/01/2026 | 3.69 % | ▲ +0.3 % |
| 01/01/2025 | 3.39 % | ▲ +1.74 % |
| 01/01/2024 | 1.65 % | ▲ +0.2 % |
| 01/01/2023 | 1.45 % | ▲ +0.15 % |
| 04/01/2020 | 1.3 % | – |
Data starts in January 2022 – the oldest rate may have applied earlier.
What switching funds can save
The cheapest statutory health insurance fund is currently BKK BPW Wiehl with a supplementary rate of 1.8% – 1.89 percentage points less than BIG direkt gesund. The examples show the savings when switching:
| Gross salary / month | Savings / month | Savings / year |
|---|---|---|
| €2,500.00 | €23.63 | €283.56 |
| €3,500.00 | €33.08 | €396.96 |
| €4,500.00 | €42.53 | €510.36 |
| €6,000.00 | €54.93 | €659.16 |
Employee share – the employer saves the same amount on top. Above the contribution assessment ceiling (5,812.5 € gross/month) the savings do not grow any further; tax effects are not taken into account. Not every fund is open to every employee or in every federal state.
U1 & U2 levy rates
Relevant for employers: the levies for continued pay during sickness (U1, selectable reimbursement rates) and maternity (U2).
| Levy rate | Reimbursement | |
|---|---|---|
| U1 (sick pay) | 3.3 % | 80 % |
| U1 (sick pay) | 2.2 % | 60 % |
| U2 (maternity) | 0.29 % | 100 % |
Levy rates over time
| Valid from | U1 rates | U2 |
|---|---|---|
| 01/01/2025 | 3.3 · 2.2 % | 0.29 % |
| 01/01/2024 | 3.3 · 2.2 % | 0.35 % |
| 01/01/2023 | 3.3 · 2.2 % | 0.4 % |
| 01/01/2022 | 2.8 · 2.2 % | 0.4 % |
Data starts in January 2022 – the oldest rate may have applied earlier.
Fund details
- Type
- Guild fund (IKK)
- Company number
- 97141402
- Address
- Hörder-Bach-Allee 1-3, 44263 Dortmund
- Previous address
- Rheinische Str. 1, 44137 Dortmund (until 01/01/2024)
This data in your software
Supplementary rates of all funds, updated daily and with history – as a REST API for your application.
Calculate your net salary with BIG direkt gesund
The calculator runs on the real Lohnica API – with the daily-updated supplementary rate of BIG direkt gesund.
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Frequently asked questions
The supplementary rate of BIG direkt gesund is currently 3.69% (valid since 01/01/2026). Together with the general contribution rate of 14.6%, the total contribution is 18.29%.