Pay-as-you-go insurance
Well covered in the event of illness and maternity leave
With the U1 and U2 pay-as-you-go schemes, we provide employers with targeted relief for special expenses - whether in the event of prolonged illness or during maternity leave. You can find the current contribution rates and all information at a glance here.
U1 levy - support in the event of illness
The U1 procedure is aimed at companies with up to 30 employees. It cushions your costs in the event of sickness-related absences from work - available in three reimbursement variants:
| Reimbursement rate | Contribution rate 2025 |
| 60 % (general) | 2,80 % |
| 50 % (reduced) | 2,20 % |
| 80 % (increased) | 4,40 % |
U2 levy - Safely through pregnancy
All employers are obliged to participate in the U2 pay-as-you-go scheme. It ensures 100% reimbursement of expenses for maternity and employment bans.
- Reimbursement rate: 100%
- Contribution rate 2025: 0.45 %
From 01.01.2025: Employer contributions to social insurance will also be reimbursed in full - in the amount of the contributions actually paid.
Insolvency money contribution
Mandatory for all employers:
- Contribution rate 2025: 0.15 %
