Working and Researching in Heidelberg Insurances
Germany has a comprehensive social security system. Social insurance is prescribed by law and includes health insurance, long-term care insurance, pension insurance, unemployment insurance and accident insurance. Generally, all employees below a certain income threshold are compulsorily insured. The so-called Beitragsbemessungsgrenze ("assessable income limit") is adjusted every year. Recipients of grants or fellowships are exempt from compulsory social insurance, with the exception of health insurance.
Overview Social Insurance
Accident Insurance
State-regulated accident insurance protects you in the case of a work-related accident. This means that you are insured only on the way to and from work, and during work. Your employer registers you with the appropriate Accident Prevention and Insurance Association and bears the accompanying costs.
Other Types of Insurance
Liability Insurance
It is strongly recommended that you take out a private liability insurance at the latest after your arrival in Germany. This insurance covers damage that you accidentally cause to others, for example through carelessness (causing a bicycle accident). Before departure, you should clarify whether a liability insurance taken out in your home country may also be valid in Germany.
Household Contents Insurance
Household contents insurance insures household contents against the risks of burglary, theft, vandalism, fire (fire, lightning, explosion) and water damage, among others. Household contents include all furnishings such as furniture, household appliances, carpets and curtains, as well as books, CDs, crockery and items of clothing. Items belonging to third parties that are temporarily in the home are also insured. The Household contents insurance can be individually extended and adapted to individual needs.