14.6% general rate + 3.79% supplementary rate · Employer and employee each pay half of the contribution.
vivida bkk is a Company fund (BKK) based in Villingen-Schwenningen. At 3.79%, its supplementary rate is 0.42 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 01/01/2025 by +1.3 percentage points to 3.79%.
| Valid from | Supplementary rate | Change |
|---|---|---|
| 01/01/2025 | 3.79 % | ▲ +1.3 % |
| 07/01/2024 | 2.49 % | ▲ +0.79 % |
| 01/01/2024 | 1.7 % | ▲ +0.3 % |
| 01/01/2023 | 1.4 % | ▲ +0.1 % |
| 01/01/2018 | 1.3 % | – |
Data starts in January 2022 – the oldest rate may have applied earlier.
The cheapest statutory health insurance fund is currently BKK BPW Wiehl with a supplementary rate of 1.8% – 1.99 percentage points less than vivida bkk. The examples show the savings when switching:
| Gross salary / month | Savings / month | Savings / year |
|---|---|---|
| €2,500.00 | €24.88 | €298.56 |
| €3,500.00 | €34.83 | €417.96 |
| €4,500.00 | €44.78 | €537.36 |
| €6,000.00 | €57.83 | €693.96 |
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.
Relevant for employers: the levies for continued pay during sickness (U1, selectable reimbursement rates) and maternity (U2).
| Levy rate | Reimbursement | |
|---|---|---|
| U1 (sick pay) | 2.3 % | 70 % |
| U2 (maternity) | 0.31 % | 100 % |
| Valid from | U1 rates | U2 |
|---|---|---|
| 01/01/2026 | 2.3 % | 0.31 % |
| 01/01/2025 | 3 % | 0.31 % |
| 01/01/2024 | 3 % | 0.2 % |
| 01/01/2023 | 3.15 % | 0.45 % |
| 08/01/2022 | 2.85 % | 0.49 % |
| 01/01/2022 | 2.4 % | 0.49 % |
Data starts in January 2022 – the oldest rate may have applied earlier.
Supplementary rates of all funds, updated daily and with history – as a REST API for your application.
The calculator runs on the real Lohnica API – with the daily-updated supplementary rate of vivida bkk.
The supplementary rate of vivida bkk is currently 3.79% (valid since 01/01/2025). Together with the general contribution rate of 14.6%, the total contribution is 18.39%.