Working in Germany: the official website
for qualified professionals
Menu

Further insurances

Social security

If you have a job that requires social security contributions, you are insured under the social security system, which covers the major risks in life: illness, unemployment, accidents and the need for long-term care. Information about social security benefits and contributions can be found here.

Household insurance

This insurance covers the contents of your house or flat. For example, it pays if your furniture or clothing is stolen or damaged by fire, storm or water. The cost depends on the size of your home, among other things. It is particularly worthwhile if you keep valuable items in your home.

Accident insurance

You are a member of the statutory accident insurance through your employer. This means that you are covered in the event of an accident in the workplace or on your way to work. However, most accidents happen when you are not at work, and this is where private accident insurance can help. While medical treatment is covered by statutory health insurance, private accident insurance can help mitigate financial consequences. Most importantly, private accident insurance covers you if you become disabled as a result of an accident and are no longer able to work. The insurance company pays disability benefits. You can purchase coverage for types of rehabilitation that are not paid for by statutory health insurance.

Retirement benefits

Germany’s statutory pension insurance is the most important and strongest component of our old-age security system. To maintain your existing standard of living, however, it is advisable to have an additional retirement plan. Since 2002, the government has subsidised such supplementary pensions. The principle is both simple and effective: If you supplement your statutory pension, whether privately or at your workplace, the government will help – by providing subsidies and tax and contribution exemptions.

Information on the internet

Federal Office for Migration and Refugees

The German Social insurance in brief (German, English, Russian, Turkish)
 

German Insurance Association

Explanation of the most important insurance terms (German)

    Email

    Send us your questions about living and working in Germany in German or English. We will answer as soon as we can.

    Write email

    Hotline

    You can get personal advice in German and English over our hotline. We look forward to your call!

    To the Hotline

    FAQs

    Here you'll find answers to the most frequently asked questions about living and working in Germany, as well as about our Web site and partners.

    Read FAQs

    Chat

    In our chat you can put your questions to our specialists in German or English, rapidly and without prior login.

    To the chat

    E-mail

    Schicken Sie uns Ihre Fragen zum Arbeiten und Leben in Deutschland auf Deutsch oder Englisch. Wir antworten Ihnen so schnell wie möglich.

    E-Mail schreiben

    Hotline

    Über unsere Hotline erhalten Sie am Telefon eine persönliche Beratung auf Deutsch und Englisch. Wir freuen uns auf Ihren Anruf.

    Zur Hotline

    FAQ

    Hier finden Sie Antworten auf die häufigsten Fragen zum Leben und Arbeiten in Deutschland sowie zu unserer Webseite und unseren Kooperationspartnern.

    FAQ lesen

    Chat

    In unserem Chat können Sie Ihre Fragen auf Deutsch oder Englisch direkt an unsere Fachleute stellen, schnell und ohne Anmeldung.

    Zum Chat

    Contact

    This website uses cookies. By continuing to browse the website, you agree to our use of cookies. 
     More