skyworkers sitting on a scaffold
Photo: A. Lesnitzky auf Pixabay

Social insurances in Germany

Social security covers in Germany health insurance, pension schemes, unemployment benefit, accident and long-term care insurance.

Social insurance is usually mandatory for all employees in Germany. Therefore, reserachers who are employed in Germany via an employment contract take part in the full German social security system. Researchers on a fellowship are generally exempt from the obligation to pay contributions to the German social security system. However, they normally have to be insured in a private health insurance scheme.

On the webpage of the research network EURAXESS you find  detailed explanations concerning all sorts of insurances in Germany.

For international scholarship holders outside of the EU/EEA has been developed an overview of substitutive health insurance options on a special EURAXESS webpage.

To identify which provider is suitable for the individual need, you find acess to a chatbot on the same website.