If you are an employee of Paderborn University, you are obliged to pay social insurance and are therefore required to be a member of a health insurance scheme in Germany. This also applies to accompanying family members.
However, exceptionally, where there is a Social Security Agreement ("Sozialversicherungsabkommen") in place between Germany and your home country, the health insurance regulations of that country may continue to be applicable. Your health insurance provider or social security authority at home will confirm this using form number 1 or 101.
In Germany, there are private and statutory health insurances. Here, you can find out more about the differences. Generally speaking, it depends on the amount of your income whether you can take out a private health insurance, if you want to. (From 01 January 2018 on, up to a gross salary of 59,400 euros you must be insured by a statutory health insurance company.)
The general statutory health insurance rate is a standardised 14.6% of the gross salary. Employer and employee each cover a share of 7.3% of the insurance rate. However, statutory health insurance companies may charge a supplemental premium. Therefore, although the benefits of statutory health insurance are, for the most part, standardised it may be worth comparing the health insurance companies with each other.
Please note: If you are an employee of Paderborn University, you must inform the HR department which health insurance company you have chosen.
Citizens of EU/EEA states
If you need medical services during a short-term stay (e.g. attending a conference) in another EU country as well as in Iceland, Liechtenstein, Norway and Switzerland, your European Health Insurance Card (EHIC) is valid and you can have the costs reimbursed by your health insurance company.
If you are in Germany for a longer stay, e.g. for a visiting professorship or a research stay, and are covered by statutory health insurance in your home country, your local health insurance company will issue form S1 on application. This enables you and your family members to register with a German health insurance company.
More detailed information can be found here.