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, health insurance is compulsory for all employees with annual income lying below the insurance threshold (2018: 59,400 euros; 2017: 57,600 euros) 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. As of 1 January 2009, there has been a standard rate for all statutory health insurance companies, although additional contributions may be requested. 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 under "Further information".
- Guide on the German health insurance system
A comprehensive introduction of the German health insurance system European Representation on behalf of the central German social insurance associations
- 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