{"id":30415,"date":"2023-09-12T13:39:22","date_gmt":"2023-09-12T11:39:22","guid":{"rendered":"https:\/\/www.resist-cluster.de\/?page_id=30415"},"modified":"2024-06-19T09:35:41","modified_gmt":"2024-06-19T07:35:41","slug":"insurance","status":"publish","type":"page","link":"https:\/\/www.resist-cluster.de\/en\/welcome-to-the-team\/insurance\/","title":{"rendered":"Insurance"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-custom-z-index\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-z-index:50;--awb-padding-top:75px;--awb-padding-bottom:50px;--awb-padding-top-medium:50px;--awb-padding-bottom-medium:25px;--awb-padding-top-small:25px;--awb-padding-right-small:10%;--awb-padding-bottom-small:25px;--awb-padding-left-small:10%;--awb-background-color:#e7f2fb;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-margin-bottom-medium:50px;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:25px;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-margin-bottom:10px;--awb-margin-right-medium:20%;--awb-margin-left-medium:20%;--awb-margin-right-small:0px;--awb-margin-left-small:0px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"700\" height=\"300\" title=\"RES_ICON_Anreise\" src=\"https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/08\/RES_ICON_Anreise.png\" alt class=\"img-responsive wp-image-30037\" srcset=\"https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/08\/RES_ICON_Anreise-200x86.png 200w, https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/08\/RES_ICON_Anreise-400x171.png 400w, https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/08\/RES_ICON_Anreise-600x257.png 600w, https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/08\/RES_ICON_Anreise.png 700w\" sizes=\"(max-width: 1023px) 100vw, (max-width: 767px) 100vw, 400px\" \/><\/span><\/div><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-text-color:var(--awb-color5);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-margin-top-small:0px;--awb-margin-bottom-small:0px;--awb-margin-top-medium:0px;--awb-margin-right-medium:0px;--awb-margin-bottom-medium:0px;--awb-margin-left-medium:0px;--awb-font-size:22px;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"font-family:&quot;Indie Flower&quot;;font-style:normal;font-weight:400;margin:0;font-size:1em;letter-spacing:0.05em;--fontSize:22;--minFontSize:22;line-height:1.5;\">Preparation of the stay<\/h3><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:25px;--awb-spacing-left-large:5.76%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:25px;--awb-margin-bottom-medium:50px;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-margin-bottom-small:25px;--awb-spacing-left-small:0px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top:0px;--awb-margin-bottom:5px;--awb-margin-top-small:0px;--awb-margin-bottom-small:5px;--awb-margin-top-medium:0px;--awb-margin-right-medium:0px;--awb-margin-bottom-medium:5px;--awb-margin-left-medium:0px;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:22;--minFontSize:22;line-height:1.5;\">Insurance<\/h3><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:20px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color1);border-color:var(--awb-color1);border-top-width:3px;\"><\/div><\/div><div class=\"fusion-text fusion-text-1\" style=\"--awb-text-transform:none;\"><p style=\"text-align: left;\">Anyone who spends a research stay in Germany as part of an employment relationship has to pay social security contributions. Social contributions include contributions to insurance for pensions, health care, unemployment benefits and long-term care. These are compulsory insurance policies.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:25px;--awb-spacing-left-large:5.76%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:25px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:0px;--awb-spacing-left-small:0px;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-center fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top:0px;--awb-margin-bottom:5px;--awb-margin-top-small:0px;--awb-margin-bottom-small:5px;--awb-margin-top-medium:0px;--awb-margin-right-medium:0px;--awb-margin-bottom-medium:5px;--awb-margin-left-medium:0px;\"><h3 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:22;--minFontSize:22;line-height:1.5;\">Chapter overview<\/h3><\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:10px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color1);border-color:var(--awb-color1);border-top-width:3px;\"><\/div><\/div><ul style=\"--awb-line-height:27.2px;--awb-icon-width:27.2px;--awb-icon-height:27.2px;--awb-icon-margin:11.2px;--awb-content-margin:38.4px;\" class=\"fusion-checklist fusion-checklist-1 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-link fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"#krankenversicherung\">Health insurance<\/a><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-link fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"#renten-,-pflege-,-unfall-,-und-arbeitslosenversicherung\">Pension, nursing care, accident and unemployment insurance<\/a><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-link fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"#weitere-versicherungen\">Other insurance policies<\/a><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-arrow-up fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"https:\/\/www.resist-cluster.de\/en\/welcome-to-the-team\/\">back to page &#8220;Welcome to the team&#8221;<\/a><\/p>\n<\/div><\/li><\/ul><\/div><\/div><\/div><\/div><div id=\"standort-hannover\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling fusion-custom-z-index\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-z-index:40;--awb-margin-top:-50px;--awb-margin-top-medium:-30px;--awb-margin-top-small:-10px;--awb-background-color:#ffffff;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-section-separator section-separator bigtriangle fusion-section-separator-1\" style=\"--awb-spacer-height:100px;--awb-svg-margin-left:1.92%;--awb-svg-margin-right:1.92%;--awb-svg-margin-left-medium:1.92%;--awb-svg-margin-right-medium:1.92%;--awb-svg-margin-left-small:1.92%;--awb-svg-margin-right-small:1.92%;--awb-divider-height:100px;--awb-spacer-padding-top:inherit;--awb-divider-height-medium:75px;--awb-spacer-height-medium:75px;--awb-divider-height-small:50px;--awb-spacer-height-small:50px;--awb-sep-padding:0;--awb-svg-padding:0;\"><div class=\"fusion-section-separator-svg\"><svg class=\"fusion-big-triangle-candy\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" version=\"1.1\" width=\"100%\" height=\"100\" viewBox=\"0 0 100 100\" preserveAspectRatio=\"none\" fill=\"rgba(231,242,251,1)\"><path d=\"M-1 -1 L50 99 L101 -1 Z\"><\/path><\/svg><\/div><div class=\"fusion-section-separator-spacer\"><div class=\"fusion-section-separator-spacer-height\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-no-medium-visibility fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:25px;width:100%;\"><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:50px;width:100%;\"><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-medium-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:75px;width:100%;\"><\/div><\/div><\/div><\/div><\/div><div id=\"krankenversicherung\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:75px;--awb-padding-top-medium:0px;--awb-padding-right-medium:10%;--awb-padding-bottom-medium:50px;--awb-padding-left-medium:10%;--awb-padding-top-small:0px;--awb-padding-bottom-small:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-margin-bottom-medium:40px;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:25px;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top:0px;--awb-margin-bottom:20px;--awb-margin-top-small:0px;--awb-margin-bottom-small:20px;--awb-margin-top-medium:0px;--awb-margin-bottom-medium:20px;\"><h2 class=\"fusion-title-heading title-heading-left md-text-align-center sm-text-align-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Health insurance<\/h2><\/div><div class=\"fusion-text fusion-text-2 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--awb-text-transform:none;\"><p style=\"text-align: left;\">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.\u00a0Many international students do not have to take out new health insurance in Germany. This will mainly be the case if you come from an EU country. You can find more <a href=\"https:\/\/www.germany-visa.org\/insurances-germany\/health-insurance\/international-students\/exemption-from-the-statutory-health-insurance\/\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\n<p style=\"text-align: left;\">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.<\/p>\n<p style=\"text-align: left;\">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&#8217;s share being deducted directly from the gross salary. Further information can be found here:<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:30px;width:100%;\"><\/div><ul style=\"--awb-line-height:27.2px;--awb-icon-width:27.2px;--awb-icon-height:27.2px;--awb-icon-margin:11.2px;--awb-content-margin:38.4px;\" class=\"fusion-checklist fusion-checklist-2 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-external-link-alt fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"https:\/\/www.make-it-in-germany.com\/en\/living-in-germany\/money-insurance\/health-insurance\" target=\"_blank\" rel=\"noopener\">Federal government websites<\/a><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-external-link-alt fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"https:\/\/www.euraxess.de\/germany\/information-assistance\/social-security-and-optional-insurances\/health-insurance\" target=\"_blank\" rel=\"noopener\">Euraxess health insurance<\/a><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-external-link-alt fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"https:\/\/www.health-insurance.de\/statutory-health-insurance\/germany\/\" target=\"_blank\" rel=\"noopener\">Euro-information<\/a><\/p>\n<\/div><\/li><\/ul><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-image:url(&#039;https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/11\/RES_BILD-900x900_Willkommen-Stethoskop-Tastatur.jpg&#039;);--awb-bg-position:center bottom;--awb-bg-size:cover;--awb-border-radius:10px 10px 10px 10px;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/11\/RES_BILD-900x900_Willkommen-Stethoskop-Tastatur.jpg\"><div class=\"fusion-separator fusion-no-medium-visibility fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:200px;width:100%;\"><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:350px;width:100%;\"><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"renten-,-pflege-,-unfall-,-und-arbeitslosenversicherung\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:75px;--awb-padding-top-medium:0px;--awb-padding-right-medium:10%;--awb-padding-bottom-medium:50px;--awb-padding-left-medium:10%;--awb-padding-top-small:0px;--awb-padding-bottom-small:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-margin-bottom-medium:40px;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:25px;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top:0px;--awb-margin-bottom:20px;--awb-margin-top-small:0px;--awb-margin-bottom-small:20px;--awb-margin-top-medium:0px;--awb-margin-bottom-medium:20px;\"><h2 class=\"fusion-title-heading title-heading-left md-text-align-center sm-text-align-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Insurance for pension, unemployment benefits and long-term care<\/h2><\/div><div class=\"fusion-text fusion-text-3 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--awb-text-transform:none;\"><p style=\"text-align: left;\">For salaried employees contributions to the German pension insurance are also mandatory \u2013 regardless of the nationality. These contributions are calculated as a percentage of the gross income; the employer pays 50 percent. As soon as you start your job, the steps required to register for a pension insurance are automatically taken care of for you.<\/p>\n<p>You can find more information about your pension here:<\/p>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:30px;width:100%;\"><\/div><ul style=\"--awb-line-height:27.2px;--awb-icon-width:27.2px;--awb-icon-height:27.2px;--awb-icon-margin:11.2px;--awb-content-margin:38.4px;\" class=\"fusion-checklist fusion-checklist-3 fusion-checklist-default type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-external-link-alt fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"https:\/\/www.findyourpension.eu\/\" target=\"_blank\" rel=\"noopener\">Find your Pension<\/a><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-external-link-alt fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"https:\/\/www.euraxess.de\/germany\/information-assistance\/social-security\/pension-scheme\" target=\"_blank\" rel=\"noopener\">Euraxess pension insurance<\/a><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-external-link-alt fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"https:\/\/www.euraxess.de\/germany\/information-assistance\/social-security\/pension-scheme\" target=\"_blank\" rel=\"noopener\">Euraxess pension rights<\/a><\/p>\n<\/div><\/li><\/ul><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:30px;width:100%;\"><\/div><div class=\"fusion-text fusion-text-4 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--awb-text-transform:none;\"><p style=\"text-align: left;\">The same applies for unemployment benefits and long-term care. Contributions to accident insurance are borne solely by the employer.<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-image:url(&#039;https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/11\/RES_BILD-900x900_Willkommen-Pflege.jpg&#039;);--awb-bg-position:center bottom;--awb-bg-size:cover;--awb-border-radius:10px 10px 10px 10px;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/11\/RES_BILD-900x900_Willkommen-Pflege.jpg\"><div class=\"fusion-separator fusion-no-medium-visibility fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:200px;width:100%;\"><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:350px;width:100%;\"><\/div><\/div><\/div><\/div><\/div><\/div><div id=\"weitere-versicherungen\" class=\"fusion-container-anchor\"><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-6 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-bottom:75px;--awb-padding-top-medium:0px;--awb-padding-right-medium:10%;--awb-padding-bottom-medium:50px;--awb-padding-left-medium:10%;--awb-padding-top-small:0px;--awb-padding-bottom-small:50px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:2.88%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-margin-bottom-medium:40px;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-margin-bottom-small:25px;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-two\" style=\"--awb-margin-top:0px;--awb-margin-bottom:20px;--awb-margin-top-small:0px;--awb-margin-bottom-small:20px;--awb-margin-top-medium:0px;--awb-margin-bottom-medium:20px;\"><h2 class=\"fusion-title-heading title-heading-left md-text-align-center sm-text-align-center fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:28;line-height:1.5;\">Further insurance<\/h2><\/div><div class=\"fusion-text fusion-text-5 fusion-text-no-margin\" style=\"--awb-content-alignment:center;--awb-text-transform:none;\"><div>\n<p>Further insurances are not obligatory. However, it is highly recommended to have a personal liability insurance! Almost every person or family has such an insurance. The insurance is importand for situations where you or your children cause damage to the property of others or injure someone in a private context. Without a personal liability insurance, you are usually liable for all costs incurred \u2013 regardless or whether the damage was caused intentionally or accidentally.<\/p>\n<\/div>\n<div>Information on household, accident, legal protection and motor vehicle (automobile) insurance policies can be found on the Euraxess homepage. The portal &#8220;Check24&#8221; offers you the possibility to compare several providers with each other.<\/div>\n<\/div><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:30px;width:100%;\"><\/div><ul style=\"--awb-item-padding-top:0px;--awb-item-padding-right:0px;--awb-item-padding-bottom:5px;--awb-item-padding-left:0px;--awb-line-height:27.2px;--awb-icon-width:27.2px;--awb-icon-height:27.2px;--awb-icon-margin:11.2px;--awb-content-margin:38.4px;\" class=\"fusion-checklist fusion-checklist-4 type-icons\"><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-external-link-alt fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"https:\/\/www.euraxess.de\/germany\/information-assistance\/social-security-and-optional-insurances\" target=\"_blank\" rel=\"noopener\">Euraxess_insurances<\/a><\/p>\n<\/div><\/li><li class=\"fusion-li-item\" style=\"\"><span class=\"icon-wrapper circle-no\"><i class=\"fusion-li-icon fa-external-link-alt fas\" aria-hidden=\"true\"><\/i><\/span><div class=\"fusion-li-item-content\">\n<p><a href=\"https:\/\/www.check24.de\/versicherungen\/\" target=\"_blank\" rel=\"noopener\">Check 24<\/a><\/p>\n<\/div><\/li><\/ul><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-10 fusion_builder_column_1_3 1_3 fusion-flex-column\" style=\"--awb-overflow:hidden;--awb-bg-image:url(&#039;https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/11\/RES_BILD-900x900_Willkommen-Handy-kaputt.jpg&#039;);--awb-bg-size:cover;--awb-border-radius:10px 10px 10px 10px;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:5.76%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-center fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.resist-cluster.de\/wp-content\/uploads\/2023\/11\/RES_BILD-900x900_Willkommen-Handy-kaputt.jpg\"><div class=\"fusion-separator fusion-no-medium-visibility fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:200px;width:100%;\"><\/div><div class=\"fusion-separator fusion-no-small-visibility fusion-no-large-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:350px;width:100%;\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-7 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1352px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-11 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-no-small-visibility fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-bottom:25px;width:100%;\"><\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":4,"featured_media":0,"parent":29999,"menu_order":409,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"class_list":["post-30415","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.resist-cluster.de\/en\/wp-json\/wp\/v2\/pages\/30415","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.resist-cluster.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.resist-cluster.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.resist-cluster.de\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.resist-cluster.de\/en\/wp-json\/wp\/v2\/comments?post=30415"}],"version-history":[{"count":29,"href":"https:\/\/www.resist-cluster.de\/en\/wp-json\/wp\/v2\/pages\/30415\/revisions"}],"predecessor-version":[{"id":34943,"href":"https:\/\/www.resist-cluster.de\/en\/wp-json\/wp\/v2\/pages\/30415\/revisions\/34943"}],"up":[{"embeddable":true,"href":"https:\/\/www.resist-cluster.de\/en\/wp-json\/wp\/v2\/pages\/29999"}],"wp:attachment":[{"href":"https:\/\/www.resist-cluster.de\/en\/wp-json\/wp\/v2\/media?parent=30415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}