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What insurances do I need as an expat in Germany?
Individuals & families What insurances you need naturally depends on your individual situation: how long you are planning to stay in Germany, whether you are a freelancer or employed, whether you have kids, etc. However, there are insurances that are
Health insurance for a visa in Germany
What is it? Health insurance in Germany is mandatory and therefore a requirement in order to be granted a visa of any kind in Germany.
Private health insurance
What is it? The origins of private health insurance (PKV) can be traced back to the social security laws of Otto von Bismarck at the
Risk life insurance
What is it? Risk life insurances (Risk-LI) have one main objective: the financial security of the surviving dependents in the event of death. The functionality
Private liability insurance
What is it? It can go very quickly: you drive your bike through a red light, a car has to swerve and drives against a
Private legal expenses insurance
What is it? Legal expenses insurances (LEI) are a relatively young branch of insurances, effectively going mainstream in the early nineties. With the increasing “juridification”
D&O insurance
What is it? D&O insurances originated in the United States in the 1930s and have started to become popular in Germany in the late 1980s.
Public health insurance
What is it? The public health insurance (GKV) system has its origin in the social laws introduced by Otto von Bismarck at the end of
Employment-based retirement plans
What is it? Employment-based retirement plans is a collective term for all financial benefits that an employer can provide to his employees for pensions, survivor’s