Health insurance ("Krankenversicherung") forms part of the statutory social security contributions. It is regulated in Book V of the German Social Code ("Sozialgesetzbuch"). Pursuant to § 1 SGB V, its purpose is to "maintain, restore and improve the health of the insured".
In Germany, statutory health insurance is compulsory for all employees with annual income lying below the insurance threshold (2022: 64,350 euro) and above this for many other groups (cf. § 5 SGB V). In general, researchers having a working contract as well as their accompanying family members are subject to compulsory health insurance.
In Germany, there are statutory as well as private health insurance companies. For statutory health insurances, the contribution rate of 14.6% has been applicable since 01.01.2019. Under certain circumstances, health insurance companies may charge additional contributions. The costs for the health insurance contributions (including possible additional contributions) are equally split between emloyers and employees.
There is quite a range of statutory health insurance providers and private insurance companies to choose from. In order to help you get a better overview, we have drawn up a list of statutory health insurance providers and private health insurance companies that can be found under "Further information".
- The National Association of Statutory Health Insurance Funds
Information on the statutory health insurance in Germany National Association of Statutory Health Insurance Funds
- Private health insurance companies
List of all private health insurance companies (in German) Verband der privaten Krankenversicherung e.V.
- German Academic Exchange Service (DAAD)
Health, Liability, and Accident Insurance available to foreign scientists sponsored, supported or represented by members of DAAD or DAAD Partner Organizations
DAAD-Group Insurance Scheme