1. General Insurance Questions

1.1. What types of insurance do I need when moving to Germany?

 

The most important insurances are:

• Health insurance (mandatory for all residents)
• Liability insurance (highly recommended)
• Household insurance (for personal belongings)
• Pension and social security (if employed in Germany)

 

1.2. Is health insurance mandatory in Germany?

 

Yes, all residents must have health insurance—either public or private.

 

1.3. What is the difference between public and private health insurance?

• Public health insurance: Available to employees earning under €69,300/year (2024). Contributions depend on salary.
• Private health insurance: Available for high earners, self-employed, and freelancers. Offers flexible plans but requires health checks.

 

1.4. Can I use my foreign health insurance in Germany?

 

EU citizens with an EHIC (European Health Insurance Card) can get basic coverage. Non-EU residents usually need a German insurance plan.

 

 

 

1.5. How do I choose the right health insurance?

 

Your choice depends on income, employment status, and long-term plans. We help you find the best option.

 

1.6. What happens if I don’t have health insurance?

 

Without insurance, medical treatment is expensive. You may also face legal consequences.

1. Test 2

1.1. Überschrift Unterpunkt

 

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