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Insurance
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Germany has a comprehensive social insurance system. It is comprised of health, long-term care, retirement, unemployment, and accident insurance.
If you receive a stipend/fellowship, then you are freed from the social insurance system except for health insurance.
Upon employment, registration for the social insurance system takes place over your health insurance provider or your employer respectively.
Health Insurance | In Germany, health insurance is required. Thus, please check whether your health insurance policy in your home country provides for health care for both doctors’ and hospital visits outside of your home country. Your health insurance company must then declare in writing that your health insurance policy is valid in Germany. If this is not the case, then you must take out an additional health insurance policy in Germany for the length of your stay. Family members travelling with you must also have their own health insurance policies.
Staying in Germany as an Employee | Before formally entering into employment with the University of Potsdam, you must already have a valid health insurance policy in Germany. You will need your passport to register for health insurance. In some cases, health insurance providers require a letter of confirmation from your employer in order to take out a policy. This letter should include the length of your employment. The premium for health insurance policies from state-mandated companies is comprised of a percentage of your wage (14.9%).
In order to take out a health insurance policy from a private health insurance company, you must fulfil two prerequisites. First, your monthly gross income must be more than 3,975 Euros (yearly income: 47,000 Euros). Second, you must already have had a health insurance policy from a private company for at least 36 months. For employment with the University of Potsdam, a letter of confirmation in German from your health insurance company is required. Private health insurance companies determine their premiums according to the risk potential of the prospective policy holder.
Staying in Germany with a Stipend/Fellowship | If you receive a stipend, then you must take out a health insurance policy from a private insurer. You can do this either in Germany or in your home country. Oftentimes, stipend-giving institutions provide assistance with finding the appropriate health insurance policy for your stay in Germany. Please contact your stipend-giver for more information.
State-Mandated Health Insurance Companies
 Allgemeine Ortskrankenkasse (AOK)
Friedrich-Ebert-Str. 113
14467 Potsdam
Tel. +49.331.27720
aok-brandenburg@brb.aok.de
Techniker Krankenkasse (TK)
Großbeerenstraße 109
14482 Potsdam
Tel. +49.331.74788-55
service@tk-online.de
BARMER Ersatzkasse
Helene Lange Str. 6/7
14469 Potsdam
Tel. +49.18500.16-0
potsdam@barmer.de
Please find service points of the AOK and TK health insurance providers located in House 6 on the Am Neuen Palais campus of the University of Potsdam.
Kaufmännische Krankenkasse (KKH)
Breite Str. 2d
14467 Potsdam
Tel. +49.180.3554677
serviceteam.potsdam@kkh.de
Deutsche Angestellten Krankenkasse (DAK)
Benzstr. 8/9
14482 Potsdam
Tel. +49.0331.86850
dak216400@dak.de
Please refer here for a list of further state-mandated health insurance companies in Potsdam.
Private Health Insurance | There are a large number of private insurers in Germany. These offer various services according to your age and profession.
Please refer here for a list of private health insurance companies.
For more information on the social insurance system in Germany,
please refer here and here.
Liability Insurance | In Germany, persons can be made liable for damages inflicted to third parties. Parents are liable for their children. It is therefore highly recommended that you take out a private liability insurance policy for you and your family in order to protect yourself in the case that you or a member of your family accidentally inflicts damages to a third party in Germany.
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