Every employee in Germany must pay social charges. The contributions regulated by statute are divided between employers and employees and are deducted from the employee’s gross wage and automatically directed to the relevant organisation or provider.
Social insurance consists of five individual insurances, which safeguard employees in an emergency:
- Health insurance
- Long-term care insurance
- Pension insurance
- Unemployment insurance
- Accident insurance
You can select the health insurance provider or the health insurance fund yourself. All other insurance policies are determined by the employer and some depend on the relevant industry.