Working in Germany: the official website
for qualified professionals

Taking out insurance policies

To insure yourself against risk, you should purchase an insurance policy. The policy stipulates the following:

  • Who or what is being insured?
  • What is the insured event? In other words, in what case will the insurance company pay?
  • What is the maximum amount that will be paid (amount of insurance)?

Before purchasing a policy, make sure to do plenty of research. Talk to your friends and colleagues. You can also consult a professional insurance consultant, but if you do so, make sure that the consultant provides impartial advice. Insurance consultants at the Consumer protection agency can offer further information.

When you have chosen an insurance company, make an appointment for a personal meeting, where you can talk about the details of the policy. It is a good idea to “sleep on it” before signing a contract. If you are not entirely fluent in German, ask a friend or colleague to go with you to the meeting.

Information on the web

Federal Office for Migration and Refugees

Contact us


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

Write email


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

To the chat


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

To the hotline


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


This website uses cookies that are strictly necessary for the technical operation of the website and are always set. Other cookies requiring consent, to personalize content and ads and to analyse access to our website, are set only with your consent. We also share information about your use of our website with our social media, advertising and analytics partners.