{
 "protocol": "verified-facts/0.2",
 "key": "de/social-insurance/kv-ermaessigter-beitragssatz",
 "label": "Reduced health insurance rate (no sick-pay entitlement)",
 "value": 14,
 "unit": "%",
 "period": "2026",
 "effectiveFrom": "2026-01-01",
 "effectiveTo": null,
 "source": "https://www.bundesgesundheitsministerium.de/beitraege",
 "quote": "Ermäßigter Beitragssatz (kein Krankengeldanspruch) 14,0 Prozent",
 "verifiedDate": "2026-10-03",
 "nextScheduledRefresh": "2026-12-15",
 "status": "fresh",
 "ageDays": 10,
 "maxAgeDays": null,
 "scope": "Gesetzliche Renten- (RV), Arbeitslosen- (AV), Kranken- (KV) und Pflegeversicherung (PV). Since 2025 there is no West/Ost distinction. Employee and employer each pay half of RV, AV, KV (incl. Zusatzbeitrag) and PV, except the Kinderlosenzuschlag (employee only) and Sachsen's PV split.",
 "hash": "sha256:cdfdb2e8f5d38d5e33aaaa911569c73c7344085de1f0c0c15d03d0444ac36f40",
 "signature": {
  "alg": "EdDSA",
  "kid": "db-2026-10",
  "jws": "eyJhbGciOiJFZERTQSIsImtpZCI6ImRiLTIwMjYtMTAifQ..J_nX7Yy8jJc0T-Vaid0tXGYIdS0x7NMy1ggEsbpo9W6aBe0J6dYPSBpiwWnBbk_QGHHc9N8vx3fWqXRqhv5GAQ",
  "keys": "https://databutler.dev/.well-known/jwks.json"
 },
 "publisher": {
  "name": "Data Butler",
  "url": "https://databutler.dev/"
 },
 "cite": {
  "url": "https://databutler.dev/f/de/social-insurance/kv-ermaessigter-beitragssatz",
  "text": "databutler.dev, verified 2026-10-03 against https://www.bundesgesundheitsministerium.de/beitraege"
 }
}