A health insurance is mandatory in Germany, also for your family members. The insurance has at least to cover medical treatment in case of acute illness and accidents. A health insurance certificate is needed, among other things, for an employment contract and for the issuance of a residence permit.
There are statutory and private health insurance companies. Employees are obliged to be insured in the statutory health insurance. Employees with a gross income of 66,600 euros per year can also choose a private health insurance. If you start a position as professorship at MHH and become a civil servant (also on a temporary basis), you can also choose between private and statutory health insurance. For civil servants, there may be financial advantages with a private health insurance compared to a statutory one. A comparison is always worthwhile.
The contribution rate for statutory health insurance is 14.6 percent of gross wages. There are different additional contributions depending on the health insurance company. In the case of salaried employees, the employer and employee each share the health insurance contribution equally. The employer’s share being deducted directly from the gross salary. Further information can be found here: