For International Workers
You came to Germany from abroad to work here? We support you with concrete services so you can focus on what matters most.
Insurance in Germany
In Germany, insurance protects you against financial risks – from the cost of medical treatment to damage you accidentally cause. Some types of insurance are legally required, others are voluntary but strongly recommended. Below you'll find an overview of the most important types of insurance for international professionals.
Health Insurance
Health insurance covers the cost of doctor's visits, medication, hospital stays and preventive check-ups. In Germany it is mandatory for all employees. Most international professionals join a public health insurance fund (GKV); your employer covers about half of the contributions. Without health insurance you are not allowed to work in Germany. Our recommendation for international professionals is the AOK.
AOK
AOK has the largest branch network of all health insurance companies and offers personal on-site consultation.
Ideal for professionals who prefer personal support and on-site consultation.
Affiliate link – no additional costs for you.
Legal Expenses Insurance
Legal expenses insurance (Rechtsschutzversicherung) covers the cost of legal disputes – such as lawyer, court and expert witness fees. It is voluntary, but particularly useful for international professionals: disputes with an employer, conflicts with a landlord, or problems around contracts can quickly become expensive. With legal expenses insurance you can enforce your rights without taking on a financial risk. It can often be tailored to your situation (e.g. employment, tenancy and traffic law coverage).
ARAG
ARAG is Germany's largest legal expenses insurer and well prepared for international clients – with flexibly combinable modules.
Ideal for professionals who want comprehensive cover from an established provider.
Affiliate link – no additional costs for you.
AUXILIA
AUXILIA is a specialised legal expenses insurer with many years of experience and a free telephone legal service.
Ideal for cost-conscious professionals looking for a specialised provider.
Affiliate link – no additional costs for you.
ROLAND Legal Protection
ROLAND is one of Germany's leading specialist legal expenses insurers, offering flexibly combinable cover with a personal lawyer hotline.
Ideal for professionals looking for specialist legal protection with strong service.
Affiliate link – no additional costs for you.
Personal Liability Insurance
Personal liability insurance (Privathaftpflichtversicherung) protects you if you accidentally cause harm to other people – for example if you damage someone else's property or someone is injured through your fault. In Germany you are generally liable for such damage with your entire assets, and the amounts can quickly become very high. While it is not legally required, it is considered one of the most important types of insurance and is available for just a few euros per month. For families, a single shared policy is usually sufficient.
ARAG
ARAG personal liability insurance reliably protects you and your family from the financial consequences of accidentally caused damage.
Ideal for professionals and families who want comprehensive protection.
Affiliate link – no additional costs for you.
Car Insurance
If you own a car in Germany, motor third-party liability insurance (Kfz-Haftpflicht) is mandatory – without it the vehicle cannot be registered. It covers damage you cause to others with your vehicle. In addition, partial and fully comprehensive cover protect your own car, for example against theft, storm damage or self-inflicted accidents. Premiums depend on factors such as vehicle type, place of residence and your claim-free history.
AXA
AXA offers flexible car insurance tariffs from third-party liability to fully comprehensive – with many additional benefits and a 24h claims service.
Ideal for professionals with their own car looking for strong all-round protection.
Affiliate link – no additional costs for you.
Opening a Bank Account in Germany
You need a German bank account (Girokonto) for your salary, rent, and daily life. Many banks offer easy online account opening – even without a German passport. In addition to your checking account, we recommend a free credit card for travel and online payments.
Commerzbank – Current Account
The Commerzbank current account gives you a full-featured account with a nationwide branch network and personal advice – ideal for getting started in Germany.
Ideal for professionals looking for an established current account with local branches.
Affiliate link – no additional costs for you.
norisbank – Top Current Account
The norisbank Top current account is a pure online account that you can open and manage conveniently from your smartphone – permanently free with regular incoming payments.
Ideal for digitally minded professionals who want to manage their account online.
Affiliate link – no additional costs for you.
Advanzia Bank – Mastercard Gold
The free Mastercard Gold from Advanzia Bank complements your checking account with a full credit card – with no annual fee.
Ideal as a free credit card for travel and online payments in addition to your checking account.
Affiliate link – no additional costs for you.
TF Bank – Savings Account
With the TF Bank savings account (Tagesgeldkonto) you earn interest on your savings while staying flexible – the account is opened entirely online with digital ID verification.
Ideal for professionals who want to keep their savings safe, flexible and earning interest.
Affiliate link – no additional costs for you.
eToro – Investing
With eToro you invest online in stocks, ETFs and other asset classes – on a simple platform that is also suitable for beginners.
Ideal for professionals who want to build wealth over the long term.
Affiliate link. Investing involves risk – your capital is at risk.
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What we offer you
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Contact a Lawyer
Do you have a legal problem related to your work in Germany? Our partner lawyer specializes in employment law for international professionals. Describe your concern and upload relevant documents.