This allowance replaces loss of salary due to an inability to work, illness or maternity. Many employees already have sufficient coverage, if their employer provides such a scheme. Employees not having such collective insurance, the self-employed or housewives may voluntarily take out insurance for daily sickness allowannce for a premium: Daily sickness allowance as regulated by health insurance laws (KVG) This type of coverage is regulated by health insurance laws. If you wish to join, you must be accepted first and answer questions about your health. Provisos due to existing illnesses are no longer valid after 5 years. Collective insurance may be bought. Premiums are identical for men and women, housewives may also buy this coverage. Salary loss due to maternity is covered as long as insurance is implemented at least 270 days before birth. Some health insurance providers do not offer sufficient compensation. Daily sickness allowance as regulated by insurance laws (VVG) Federal laws for insurance contracts regulate this kind of insurance. Providers have the right to deny applications and premiums may vary depending on age, sex, state of health and other criteria. Insurance for salary loss due to maternity is often only available against an additional premium. Such products are usually not suitable for housewives since some providers ask for proof of loss of income.