Financing & Insurances
You must make sure that the financing for your stay is sufficient and secured. Your financing will affect the type of visa, residence permit and health insurance you receive. Research stays are usually financed by a work contract, a scholarship or are self-financed. Please also be sure that you have sufficient health insurance for your entire stay.
International guest researchers can be integrated into the German social security system through their work at the University of Regensburg. This varies depending on whether you have a work contract or a scholarship.
You can access general information about financing your research and working in Germany from the following links:
? EURAXESS
General information
Social and Health Insurances
The German social security system covers retirement pension, unemployment, health, and nursing care insurances. If you have a work contract in Germany and earn more than 450� per month, you are required to pay contributions towards the social and health insurances.
The contributions are shared by both the employee and the employer. The contribution towards the statutory accident insurance is covered fully by the employer
Health Insurance
In Germany, there is a general health insurance obligation (VVG § 193). This means that everyone who is resident in Germany is obliged to have health insurance.
Certain groups of people must have statutory health insurance (GKV).
Others have the choice between voluntary membership in the statutory health insurance and joining the private health insurance (PKV).
Social Security Agreement
Germany has social security agreements with several other European countries. For more information, please see this overview from TK.
EU Citizens – EHIC (European Health Insurance Card)
If you are an EU citizen, please contact your health insurance provider in your home country regarding the validity of your health insurance during your stay in Germany.
Selection of statutory health insurance companies
? Some statutory health insurance companies with offices in Regensburg