| Universität Bielefeld > International > Information for internationally mobile scientists and their families > First Steps in Bielefeld |
No matter if you come to Germany on the basis of a work contract or a scholarship: Health Insurance ("Krankenversicherung") is mandatory for all researchers and the family members accompanying them.
Please find more information on the euraxess-portal.
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In addition to the statutory insurances that you have to take out, we recommend the following insurances:
Private Accident Insurance
Statutory accident insurance does not cover private accidents. Depending on your country of origin and type of research activity, the statutory accident insurance from your own country may not be valid for the duration of your stay in Germany. Under certain circumstances, you might not qualify for German statutory accident insurance, for example if you are not an employee, but a fellowship holder.
In order to close these gaps between private and occupational accident insurance coverage, we recommend that you obtain private accident insurance in Germany or your own country. As a matter of principle, obtaining private accident insurance is the researcher's own responsibility. A research institution or the organisation granting a fellowship may opt to provide accident insurance for the researcher.
When obtaining private accident insurance, please pay special attention to the following aspects:
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Third-Party Liability Insurance
If you injure somebody or damage somebody's property, you are obliged to pay compensation for the caused damage.Thus it is common practice to carry out a third-party liability insurance for any unintentional damages or accidents caused by you or a member of your family, including children and pets. Although this insurance is not compulsory, it is held by a majority of the German population. it is therefore easily affordable, ranging from around 6-10 Euro per month.
Please contact the Welcome Centre if you are interested. We will then provide you with a list of insurance providers in Bielefeld.
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