Newly Insured Non Salaried Persons

If you are a non salaried person liable for auxiliary insurance and you started working in Greece, for the first time, on or after 1.1.2022, or you were born on or after 1.1.2004, then you are subject to TEKA auxiliary insurance. If you started working on or before 31.12.2021, then you are subject to e-EFKA’s auxiliary insurance.

The non salaried persons who are liable for mandatory auxiliary insurance are: Self-employed lawyers, notaries, persons insured in ex TSMEDE’s main pension branch (engineers and public works contractors), as well as certain categories of professionals (bakers, petrol station owners, private school owners who have teaching responsibilities, chemists and chemical engineers who exercise an occupation related to their field).

A detailed list of all persons subject to TEKA insurance can be found here.

Additionally, from 1.1.2023 to 31.12.2024, if you are already insured with e-EFKA’s auxiliary insurance branch and if you were born on or after 1.1.1987, you’ll be given the option to switch auxiliary insurance funds and transfer to TEKA.

If you started working in Greece, for the first time, from 1.1.2022 onwards, then you are compulsorily subject to TEKA insurance even if you have previously worked abroad.

In this case you are eligible for TEKA insurance. In other words you are considered a new entrant to the labour market since you had not been insured for pension benefits until 31.12.2021.

You are not required to follow a new, separate process for registering with TEKA. The processes for declaring the start of insurance and registering in e-EFKA suffice. 

If you are non salaried persons, lawyers on a retainer or salaried engineers, you may select among different insurance categories which correspond to different monthly amount payable to each insurance branch.

This way, insured persons are given the flexibility to choose the rate of contributions they pay, and specifically the rate of contributions for pension branches, depending on their earnings so that they don’t contribute disproportionally when their earnings are low but can save more when their earnings are higher.

Assignment to one of the insurance categories is mandatory and people may choose their insurance category  through e-EFKA’s electronic services.

Please note that insurance categories for each insurance branch are selected separately .

Both mandatorily insured persons and voluntarily insured persons must select an insurance category. The selection process takes place annually.

Detailed information is available at e-EFKA’s website.

The rate of contributions determines the amount of your future pension. If you have low earnings, a lower category will probably suit you best. As your earnings increase however, it would be wise to opt for a higher category in order to gradually accumulate more capital and therefore a higher pension. 

The more contributions you pay, the higher the pension you will receive on retirement.

Not necessarily. Liability for insurance has been detached from one’s occupation. The main deterring factor for insurance liability is now the declaration of start of operations in the Tax Office.

TEKA sources its information on insured persons from the e-EFKA Register. Therefore, in order to change your contact information you must either contact a Register Department in any e-EFKA Local Office or use e-EFKA’s electronic services.

Click here for more detailed information about updating your contact details.