Living & Housing Social Insurance

In Germany nearly 90% of the population is covered by either compulsory or voluntary social insurance. The german social insurance system provides a wide-ranging source of protection for employees in particular and guarantees the social security of our society.

Hamburg Welcome Portal English – Living & Housing – Social Insurance

Employees below a certain income level are as a rule automatically compulsorily insured. All social insurance funds are financed by the contributions from insured fund members and their employers. These contributions amount to 20%–21% of the gross pay of an average earner.

The German social insurance system consists of:

  • Statutory unemployment insurance (3.0% of gross salary)
    The employee pays half of the insurance contribution (1.5%) and the employer pays the other half.
  • Statutory health insurance (14.6% of gross salary)
    The employee pays half of the insurance contribution (7.3%) and the employer pays the other half.
  • Statutory long-term care insurance (2.55% of gross salary)
    The employee pays half of the insurance contribution (1.275%) and the employer pays the other half.
  • Statutory retirement pension insurance (18.7% of gross salary)
    The employee pays half of the insurance contribution (9.35%) and the employer pays the other half.
  • Statutory accident insurance
    The costs are borne by the employers.

The documents available for download below offer more detailed information on the various insurance branches.

If you have further questions concerning the german social insurance system, please feel free to contact the Hamburg Welcome Center for assistance.

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