I have invoiced for less than 9 423,09 € – do I need to take out YEL?

If your work contribution falls below the YEL threshold of 9 423,09 € in 2026, you do not need to take out YEL insurance. However, you can still get it voluntarily even if you do not exceed the limit.

Read more about YEL insurance in our guide to YEL insurance.