5.1 Regelungen im Job

Health insurance

Germany has a dense network of hospitals, physicians and pharmacies.
As an employee, you definitely have health insurance – either under the statutory health insurance system or as a member of a private health insurance. If you become ill, health insurance covers the cost of medical treatment. 

The statutory health insurance system includes the following benefits: 
• outpatient medical treatment, for example in a physician’s office dental care
• medication, remedies and medical devices
• inpatient medical treatment, for example in a hospital
• medically necessary rehabilitation
• services during pregnancy and childbirth

If your spouse is not employed, he or she may be covered under your statutory health insurance policy at no extra charge to you. The same holds true for your children. 

Moreover, your health insurance policy automatically includes long-term care insurance. Your long-term care insurance is activated if, for example, you need nursing care because of a serious illness that prevents you from caring for yourself.