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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
Occupational disability insurance
What is it? To put it simply: the occupational disability insurance protects you against the loss of income should you no longer be able to
Work incapacity insurance
What is it? The public work incapacity insurance exists in Germany since 2001. It pays employees and those who pay into the public pension insurance