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You are here: Home Finance & Business Pensions & Insurance Editor's guide to Pensions & Insurance in Germany

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27/03/2012Editor's guide to Pensions & Insurance in Germany

Editor's guide to Pensions & Insurance in Germany Expatica's Pensions & Insurance section for Germany offers essential guidelines on taking out insurance in Germany, the social security system and how to manage your retirement in Germany.

Overseas insurance
Understanding overseas insurance is essential for expats, whether it be medical, work-related, life insurance, insuring your house or car, or taking out special insurance relevant to your lifestyle. Some countries require self-employed expats to insure themselves.

Expatica’s Pensions & Insurance channel offers a guide to retiring in Germany and provides an overview of insurance in Germany. The bottom line is: insure yourself, your home, car and any other valuable property. Make sure you understand the intricacies of the local insurance system, as well as German social security, or you might find yourself out of pocket in the event of a crisis.

Pension transfer
If you are a country-hopper, make sure you are aware of your pension rights as an expat, if you are eligible for pension transfer, if your company has a pension plan or if you need to take out a private plan. Expatica articles such as ‘How changes to UK pension law can benefit expats’ looks at recent legislation that allows those with UK-based pensions to move their benefits overseas into a Qualified Recognised Overseas Pension Scheme (QROPS) while Retirement planning for American expats (parts I and II) looks at the proper use of retirement accounts for Americans living abroad.

Our Expat guide to offshore investment, published March 2011, includes information on portable retirement plans.

Pan-European company pensions
Although the Pan-European Pension, or the IORP Directive, was signed in 2003, many companies are still not using a pan-European scheme. Expatica provides a review of the challenges of portable pension planning as well as a potential solution.

Ask the expert
Expatica offers expert advice in articles like 'Expert tips: How to plan your retirement' and, if you have further questions on overseas insurance or pension transfers, visit our Ask the Expert section and get your answer from someone in the know.


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