Contribution Information
Please refer to the following sections for information on contributions for members of the Sächsische Ärzteversorgung:
Employed members who are exempt from mandatory coverage under the statutory pension insurance scheme pay the same contribution they would have to pay as members of the statutory pension insurance scheme, or at least the minimum contribution.
Employed members who remain subject to mandatory coverage under the statutory pension insurance scheme pay the minimum contribution.
| 2025 | 2026 |
|---|---|---|
| Contribution rate | 18,6% | 18,6% |
| Contribution assessment ceiling (in EUR/month) | 8.050,00 | 8.450,00 |
| Maximum contribution to the statutory pension insurance (in EUR/month) | 1.497,30 | 1.571,70 |
| Minimum contribution (in EUR/month) | 149,73 | 157,17 |
| Half the minimum contribution (in EUR/month) (Members who do not practice veterinary medicine or medicine) | 74,87 | 78,59 |
Self-employed members pay the standard contribution, i.e., the maximum annual contribution for employees. If the member wishes to be assessed on an income-based basis, the reduction application (PDF) must be submitted by May 31 of each year, and proof of professional income from the year before last must be provided, e.g., by submitting a copy of the income tax assessment. The application for a reduction only affects the contribution amount if the income is below the assessment threshold for the year in question. A member who is self-employed for the first time may set the mandatory contribution at their own discretion for the duration of the first two calendar years (lower limit: minimum contribution). Since a lower contribution results in reduced insurance coverage, the contribution amount should be carefully considered
| 2025 | 2026 |
|---|---|---|
| Contribution rate | 18,6% | 18,6% |
| for net professional income up to (in EUR/year) | 96.600,00 | 101.400,00 |
| Standard contribution (in EUR/year) | 17.967,60 | 18.860,40 |
| maximum annual contribution (in EUR/year) | 44.919,00 | 47.151,00 |
| Maximum contribution to the statutory pension insurance (in EUR/month) | 1.497,30 | 1.571,70 |
| Minimum contribution (in EUR/month) | 149,73 | 157,17 |
Members who do not practice veterinary medicine or medicine pay half the minimum contribution. For unemployed members receiving ALG I benefits, the Employment Agency will, upon request, cover the contributions to the Saxon Medical Pension Fund if the member is exempt from the statutory pension insurance (GRV).
| 2025 | 2026 |
|---|---|---|
| Contribution Rate | 18,6% | 18,6% |
| Contribution Base Limit (in EUR/month) | 8.050,00 | 8.450,00 |
| Maximum contribution to the statutory pension insurance (in EUR/month) | 1.497,30 | 1.571,70 |
| Minimum premium (in EUR/month) | 149,73 | 157,17 |
| Half the minimum dues (in EUR/month) (Members who do not practice veterinary medicine) | 74,87 | 78,59 |
Civil servants, enlisted personnel, and career military personnel pay the minimum contribution. However, they may also apply to have their obligation to pay contributions suspended or to be exempted from mandatory membership.
| 2025 | 2026 |
|---|---|---|
| Contribution Rate | 18,6% | 18,6% |
| Contribution Assessment ceiling (in EUR/month) | 8.050,00 | 8.450,00 |
| Maximum contribution to the statutory pension insurance (in EUR/month) | 1.497,30 | 1.571,70 |
| Minimum contribution (in EUR per month) | 149,73 | 157,17 |
| Half the minimum contribution (in EUR/month) (members not practising as (veterinary) doctors) | 74,87 | 78,59 |
Bank details
An EU regulation requires credit institutions, from October 2025, to verify the recipient’s identity for transfers within the European Union. To ensure your payment is correctly allocated, please make sure to specify ‘Sächsische Ärzteversorgung’ as the payee for transfers to the pension fund.
Deutsche Apotheker- und Ärztebank eG Dresden
IBAN: DE84 3006 0601 0003 3517 42 BIC: DAAEDEDD
Commerzbank AG Dresden
IBAN: DE96 8508 0000 0519 2092 00 BIC: DRES DE FF 850
SEPA Direct Debit Scheme
The mandate reference consists of the abbreviated membership number followed by a sequential three-digit number (001 for the first mandate) (e.g. 123456-001). The creditor identification number for Sächsische Ärzteversorgung is DE31ZZZ00000383046. To issue a SEPA direct debit mandate, please use our SEPA direct debit form (PDF).
Frequently Asked Questions About Contributions
For self-employed members, parental leave is exempt from contributions provided no income is derived from self-employment. To this end, proof must be submitted by the KVS or a tax adviser. Contribution-free parental leave is available until the child reaches the age of three at the latest.
For employed members, parental leave is also contribution-free as long as they are not practising medicine or veterinary medicine. This is reported electronically via your employer. Parental leave can be split up until the child reaches the age of 8, subject to an application to the employer.
Yes. You have two options. You can keep your reduced contribution and increase your pension entitlement by making voluntary additional payments. This gives you greater flexibility. However, you also have the option of adjusting your chosen mandatory contribution to suit your needs within these two calendar years. Please feel free to contact us about this.
Contributions are always due at the end of the month. Advance payment is not permitted. Pension accrual only takes place once the payment has been offset against the compulsory contributions or voluntary additional payments, and not at the time of payment. (See the SÄV Articles of Association)
When you first start working as a self-employed person, you can set your own contribution level for the first two calendar years. As soon as the Sächsische Ärzteversorgung is notified that you have started practising, you will receive a form for self-assessment. However, you are also welcome to submit an informal request. Please note that the contribution you choose must be at least equal to the minimum contribution.
No. Your current income cannot be used as the basis for calculating a contribution reduction. In accordance with the Articles of Association, a contribution reduction is granted only on the basis of the proven income from self-employment for the year before last. Acceptable forms of proof include your tax assessment notice or a confirmation from your tax adviser.
You can find our current contribution rates on the your contributions page.