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Social Insurance in Germany: Health Insurance and Other Insurances
The social insurance system in Germany includes various insurance contributions that guarantee the social protection of citizens. These include health insurance, unemployment insurance, pension insurance and other types of insurance. In this article, we explain who can receive these insurances in Germany and how.
Health Insurance (Health and Long-Term Care Insurance)
Health insurance is mandatory for all residents of Germany. There are two types of health insurance: statutory health insurance (GKV) and private health insurance (PKV).
Who can receive Health Insurance?
Statutory Health Insurance (GKV):
– All employees with an income below a certain limit.
– Students and trainees.
– Pensioners.
– People receiving unemployment benefits.
Private Health Insurance (PKV):
– Self-employed.
– Civil servants (Beamte).
– People with a high income (above a certain limit).
How do I get Health Insurance?
In order to receive health insurance, you must select an insurance company and submit an application. The choice for statutory health insurance is limited to a list of state-approved health insurance funds, while private health insurance offers a wider choice, with conditions that may vary.
Unemployment Insurance
Unemployment insurance provides financial support for people who have lost their jobs and helps them find work.
Who can claim Unemployment Insurance?
Employees who pay into social insurance.
Self-employed persons can voluntarily pay into the unemployment insurance system.
How do I get Unemployment Insurance?
Employees automatically pay into unemployment insurance. Self-employed persons must pay their contributions themselves.
Pension Insurance
Pension insurance provides financial support in old age.
Who can receive Pension Insurance?
– All employees.
– Self-employed persons can voluntarily pay into the pension system.
How do I get Pension Insurance?
Employees automatically pay into pension insurance. Self-employed persons must make their contributions themselves. Once retirement age is reached, an application for pension payments must be submitted.
Long-Term Care Insurance
Long-term care insurance covers the costs of caring for people who can no longer care for themselves.
Who can receive Long-Term Care Insurance?
– All persons with health insurance (statutory or private).
How do I get Long-Term Care Insurance?
Long-term care insurance is automatically included in health insurance and contributions are paid together with health insurance contributions.
Recipients of Citizen’s Benefit (Bürgergeld) in Germany are entitled to various types of social insurance, which protect them in various life situations. These insurances include:
1. Health Insurance
Health insurance is mandatory for all residents of Germany, including recipients of Citizen’s Benefit.
Statutory Health Insurance, GKV:
Recipients of Citizen’s Benefit are automatically insured under the statutory health insurance. The contributions are covered by the Jobcenter.
Covered Benefits:
Regular medical examinations, treatments by doctors, hospital stays, medication, preventive measures and much more.
2. Long-Term Care Insurance
Long-term care insurance provides help and support for people who are no longer able to care for themselves.
Covered Benefits:
Coverage of costs for care at home or in specialized facilities, domestic help and support for relatives who provide care.
Automatic Inclusion:
This type of insurance is automatically included in health insurance, and the contributions are also covered by the Jobcenter.
3. Pension Insurance
Pension insurance provides financial support in old age or in the event of reduced earning capacity.
Contributions: The Jobcenter also covers contributions to pension insurance for recipients of Citizen’s Benefit.
Entitlements: These contributions are taken into account when calculating the future pension and secure the right to pension payments.
4. Accident Insurance
Protects recipients of Citizen’s Benefit from the financial consequences of work-related accidents or accidents during participation in work integration programs.
Covered Benefits: Medical care, rehabilitation, pension payments in the event of disability and benefits in the event of temporary incapacity for work.
5. Unemployment Insurance
Although recipients of Citizen’s Benefit already receive support as unemployed, they continue to be integrated into the unemployment insurance system.
Contributions: The Jobcenter pays contributions to unemployment insurance, so that recipients continue to be covered after resuming work.
Recipients of Citizen’s Benefit in Germany have access to comprehensive social insurance cover, which guarantees their health, safety and financial stability. This includes health insurance, long-term care insurance, pension insurance, accident insurance and unemployment insurance. All these insurances are financed by the Jobcenter in order to guarantee comprehensive social security.