Insurance in Germany
Understand your cover.
Plan for each stage of life.
Insurance and social protection in Germany serve different purposes. It helps to distinguish the following areas.
Social insurance — Sozialversicherung
The statutory system includes health, pension, unemployment, accident and long-term care insurance. Coverage and contribution obligations depend on your circumstances and the applicable rules.
Private insurance — Private Versicherung
Private policies can cover health, property, liability and other risks. Some supplement existing protection; private health insurance can also be an alternative for people who meet the eligibility requirements. Benefits, exclusions and premiums are defined by the contract.
Social assistance — Sozialhilfe
Social assistance is a public safety net for eligible people in need. It is not an insurance policy. Entitlement and the responsible authority depend on the individual situation.
Start with a free initial conversation
Tell us about your situation and the protection you are looking for. An initial conversation can help you identify which insurance questions to address and what information is needed for the next step.
Topics may include health insurance, retirement provision, property cover, personal liability and other private insurance needs. The aim is to consider your existing protection, priorities and budget together.
Whether you want to review your healthcare cover, prepare for retirement or protect your family and property, the appropriate solution depends on your circumstances. Specific advice, benefits, costs and terms should be confirmed before you choose a policy.
Explore your insurance options
Health insurance
Germany has statutory and private health insurance systems. Which system you can join depends on your insurance status and eligibility. Private cover is not automatically more comprehensive; compare the policy benefits, exclusions and long-term costs.
Retirement provision
Retirement provision in Germany combines statutory pensions, occupational pensions and individual saving. These serve different roles and can complement each other. Your employment, existing entitlements and long-term plans shape the options available to you.
