What benefits do German immigrants enjoy?

Due to the serious aging in Germany, in order to better promote economic development, Germany chose to relax its immigration policy and provide various social benefits for immigrants, covering all aspects of education and life. So what benefits do German immigrants enjoy? Let's take a look at it with the overseas immigration network.

UNICEF

Each child can receive 180 euros of children's money from the government every month; Starting with the fourth child, each child can receive 200 euros per month. This money can at least make the child 18 years old; If 18 years old continues to start university education, then the money can be collected at 2 1 year old.

Free compulsory education

All children in Germany, regardless of their parents' visas, can enjoy free education from kindergarten to doctor. Starting from kindergarten, lunch and teaching materials are free; Entering the university stage, you can also get a scholarship of about 400 euros per month.

endowment insurance

Statutory endowment insurance is the pillar of social welfare security in Germany, which ensures that employees can still maintain an appropriate standard of living after their career ends. According to the law, all employees must participate in endowment insurance, and freelancers (self-employed) can choose whether to participate in endowment insurance.

Usually, people who have reached the age of 67 can receive a pension, but under certain conditions, people who have reached the age of 63 and below can also receive a pension. The amount of pension is determined by the income from work. For domestic investors, endowment insurance is similar to a wealth management product, which deposits a small amount every month and receives principal and interest after retirement. Overall, the annual return on investment is around 4%.

unemployment insurance

All employees (workers, clerks, domestic craftsmen and interns) must participate in unemployment insurance. Unemployment insurance costs shall be borne by employees and employers in half. Unemployment benefits are usually 60% of the on-the-job salary (67% if there are 1 child). The duration of receiving unemployment benefits depends on age.

China investors can also participate in unemployment insurance, pay 20 euros a month, or receive unemployment benefits like employees who are unemployed in the future.

medical insurance

All people living in Germany must participate in medical insurance. All insured persons are free to choose recognized medical insurance doctors and dentists. Medical insurance institutions pay for treatment, in addition to drugs, auxiliary tools, hospitalization expenses and health preventive measures. Insurance institutions also bear all or part of the cost of recuperation.

For example, a 38-year-old male policyholder has a monthly premium of 90 euros; If you need to insure the whole family (spouse and unlimited number of children), it is about 200 euros. After paying this amount, all medical expenses will be paid by the government; In case of filling teeth or glasses, the government will bear half.

According to the experience of German immigration lawyers with Tongchuang and Tongde, if China investors plan to move their families to Germany, it is recommended to buy legal medical insurance, that is, one person will benefit the whole family. If you are currently tied up in domestic business and plan to enter Germany once every six months for the time being, then it is recommended to buy private medical insurance, only the insured himself will benefit; According to age and gender, the monthly fee is 70- 120 euros.

Nursing insurance

The monthly premium is about 30 euros. Once the insured falls ill, the medical insurance company will send nurses to the insured's home to provide comprehensive care. In addition to medical care, it also includes basic life care.

Due to the high labor cost in Germany, nursing insurance is worth it, so investors are advised to participate.

social security

Blue card users have unemployment savings in their fund accounts every month. Men over 65 years old and women over 60 years old can enjoy a normal pension as long as they pay half of the insurance premium within 15 years. All residents in difficulty can get social security.

social security

In Germany, people who can't support themselves can receive social and economic benefits. According to the social relief law, every resident in Germany, whether German or foreigner, can ask the government to provide social relief. Social relief funds are mainly provided by local governments. Take a family of three as an example. After comprehensive conversion, the monthly relief fund is about 1 1,200 euros.

Please note that among all the above insurance items, the only thing that corporate visa holders (visas held in the first three years of investment immigration) cannot receive is social assistance. Once they get it, it will be difficult to get a green card (permanent residency) three years later; After getting a green card, you can receive social welfare for free.