The Artists Social Insurance Fund (Künstlersozialkasse or KSK) provides low-cost pension, health and long-term care insurance for self-employed artists and publicists. According to the Artists' Social Insurance Act (KSVG), it is a prerequisite "that an artistic or journalistic activity is carried out profitably and not only temporarily" in order to be insured with the KSK. "An artist is someone who creates, performs or teaches music, performing or visual arts. A publicist is considered in this case to be anyone who works as a writer, journalist or in a similar manner as a writer or journalist." Design professional fields such as graphic design, interface design or textile and fashion design are also assigned to the field of fine arts in the KSK application form. Those who teach in the above-mentioned fields of activity also fall under the protection of the KSVG. "The artistic or journalistic activity must be carried out independently and profitably."

Yes, but work models that are partly self-employed and partly in dependent employment are also possible. From the KSK's point of view, it does not matter whether you have a business for your artistic or journalistic activities or not. For the KSK, it is primarily relevant that you generate your income through self-employed, artistic activities. Since the KSK is a cheaper alternative to regular statutory or private health insurance, it is very attractive for artists and publicists. The best way to join the KSK and which documents are required depends on the individual case.

The FAQ section of the KSK provides a good overview. Also on our CCB page you will find examples and an interview with a KSK legal expert, which provide a more detailed insight into the KSK complex.