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Insurances
Social insurances
Social insurances include health, pension, accident, long-term care
and unemployment insurances. Scholarship holders (not employed)
are usually only obliged to pay health insurance. If your stay is based
on an employment contract, it is mandatory to contribute to all five
social insurances.
www.sozialgesetzbuch-sgb.de
www.deutsche-sozialversicherung.de
Health insurance
Health insurance is compulsory in Germany, in other words, you must
have health insurance cover from an insurance provider licensed in
Germany. There are two types of health insurances in Germany: state
and private.
The contractual terms, monthly contribution fees and health care
services are regulated by law in the case of state health insurance.
Your contribution is based on a percentage of your income. Currently
the rate of contribution is 14.9 %, however this rate may change.
Various state insurances charge additional fees “Zusatzbeiträge”.
Please inquire at the insurance of your choice about this. Terms and
conditions vary with private insurance depending on the insurance
provider. Sufficient health insurance cover is required for issuance of
a residence permit in Germany.
Disclaimer
The insurance providers listed here are known by the OVGU and are
only a selection. The OVGU assumes no liability for the quality or
completeness of this information. It should only serve to provide a
general overview. (September 2010)
Sufficient health insurance cover must include the following
services:
• Medical and dental treatment
• Medicine, bandaging material, remedies and medical supplies
• Hospital treatment
• Medical care and rehabilitation
• Pregnancy examinations, treatment and delivery
If you have state health insurance you will always have sufficient
health insurance cover. Private health insurances must ensure cover
in accordance with Section 11 Paragraph 1–3 Social Insurance Code
V (abbr.: SGB V). Private insurances must confirm this in writing. For
longer stays, i.e. when you take German residency, it is compulsory
to have health insurance cover from an insurance provider licensed
in Germany.
Make sure you are informed about health insurance as soon as
possible so that you are covered in Germany from day one. There
is a large selection of insurance companies and it pays to compare
their services.
Information for EU citizens: www.euraxess.de
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