Frühförderung (early intervention)
Therapeutic and educational assistance for children with developmental delays from birth to school age — free of charge.
My child receives early intervention because of speech delay.
Health
Gesundheitsamt (Health department)
Municipal public health authority — infection control, hygiene supervision, health certificates.
To work in gastronomy, you need a health certificate from the health department.
Health
Impfpass (Vaccination record)
International vaccination certificate in which all vaccinations are documented (WHO yellow booklet).
Bring your vaccination card to your family doctor so the vaccination can be recorded.
Health
Krankengeld (sick pay)
Benefit from the health insurance fund for prolonged illness — from the 7th week (after continued wage payment), approximately 70% of gross salary.
After 6 weeks of continued wage payment, I receive sickness benefit from the health insurance fund.
Health
Krankenkasse (health insurance fund)
Provider of statutory health insurance (e.g., AOK, TK, Barmer). Reimburses doctor visits, medications, hospital stays.
I switched my health insurance fund because TK offers better additional benefits.
Health
Krankenversicherung (health insurance)
Compulsory health insurance in Germany — statutory (GKV) or private (PKV). Without health insurance, you are not insured.
In Germany, health insurance is mandatory — everyone must be insured.
Health
Mutterschaftsgeld (maternity allowance)
Maternity benefit from health insurance for expectant mothers during maternity protection — 6 weeks before and 8 weeks after birth.
Maternity allowance is paid by the health insurance company and the employer.
Health
Patientenverfügung (Advance directive)
Schriftliche Erklärung, welche medizinischen Maßnahmen man im Ernstfall wünscht oder ablehnt.
In der Patientenverfügung steht, ob man lebensverlängernde Maßnahmen möchte.
Health
Pflegeversicherung (Long-term care insurance)
Mandatory insurance for long-term care — contribution collected together with health insurance.
Long-term care insurance covers part of the costs for home care or nursing home.
Health
Schwerbehindertenausweis (severe disability ID)
Certificate for people with a disability level (GdB) of 50 or higher — grants disability compensation (tax, dismissal protection, free transport).
With a severely disabled person's certificate, you get additional vacation and dismissal protection.
Health
Unfallversicherung (accident insurance)
Statutory compulsory insurance against work accidents and occupational diseases — contribution paid only by the employer.
Statutory accident insurance covers accidents on the way to work.
Health
Versicherungspflichtgrenze (insurance threshold)
Income threshold (2024: €69,300 gross/year) above which one can opt for private health insurance.
Only when my salary exceeds the insurance threshold can I switch to private health insurance.
Health
Zusatzbeitrag (additional contribution)
Individual contribution rate of health insurance in addition to the standard rate of 14.6% — varies by insurance company.
TK charges an additional contribution of 1.2% — in total I pay 15.8% health insurance contribution.
Health
Zuzahlung (copayment)
Patient's share for medications, hospital stay, or medical aids — €5–10 per prescription, max. 2% of annual income.
I had to pay €5 as a copayment for the prescribed medication.
Health