The vast majority of the population assumes incorrectly that the statutory insurance contributions deducted from their wage or salary are credited only to their health insurance provider.

In fact, the deducted amount includes contributions toward pension and accident insurance cover and related costs.

It is in order to keep administration costs at a minimum that your contributions are collected by your health insurance provider, who then passes on the appropriate amounts as necessary to your other insurance providers.

The contributions towards the health and pension insurance of employees are paid by both employees and their employers. Employers alone pay the contributions required to provide accident insurance cover to their employees.