German Government Health System, we strongly recommend that you purchase an annual travel health insurance policy which will cover you for emergency hospital and out patient treatment, medically advised evacuation and emergency dental care when outside Germany. As a rule of thumb, a policy for accidental death or 100 disablement should provide cover for 5-6 times the insured's annual income. It normally pays a lump sum in the event of a valid claim resulting from an accident. All of these require separate insurance policies. Both the German language and indeed the German legal system are probably radically different from the traditions and experience of most new residents. Term Life Insurance Term Life insurance ( Risikolebensversicherung ) makes sense for those with a family and/or mortgages, as it will provide a lump sum in the event of an insured person's death by practically any cause.
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Misunderstandings or disagreements with employers, landlords, neighbours, local merchants, and tax authorities, not to mention parties involved in a car or perhaps another accident, happen often enough. European Health Insurance Card ". If you should become unemployed at one point, absolutely be sure to report this as fast as possible to the employment office, the German Arbeitsamt, as you will be insuranced by them for the time being unemployed. There are specialised policies available for self-employed people or those in senior management positions. An additional insurance may be necessary. If you are self-employed and normally work from home, you must insure your office equipment separately. Extended products liability IT and professional liability, product recall liability incl. Insurance products, Jura and, natural gas industry. At Jobspotting, you only see what you want.