| Social Security Exemption |
| Applying the territorial principle, foreign employees working in Germany are as a matter of principle subject to pay social security contributions in Germany. An exception is made for employees who are instructed by a foreign employer to come to Germany on business for a period that is limited in advance. In any such case, salary payments continue to be made by the employer in the home country, where they have to be reported for tax. Provided these criteria are met, the employment relationship is included in the social security insurance, and the member of staff is allowed to remain in the foreign social security scheme. |
| Health Insurance Concept |
| The BDAE offers optimum health insurance for foreigners who live in Germany or are transferred here on business. |
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| EXPAT® GLOBAL Health Insurance |
| During a stay abroad, the EXPAT® GLOBAL health insurance that is valid all over the world substitutes or supplements existing coverage provided by a private or statutory health insurance company (which should be kept up under a reinstatement policy
). This tariff is of particular interest to executives employed locally at foreign subsidiaries or associates who should have the same health insurance coverage as back home. |
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| EXPAT®GERMANY Health Insurance |
| EXPAT®GERMANY is a module-based health insurance for foreigners staying in Germany for up to 60 months. Stays back home of up to three months are also covered. |
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| EXPAT®RETIRED Health Insurance |
| EXPAT®RETIRED is a health insurance policy – valid all over the world except in the policyholder’s home country and in USA/Canada – for people taking up residence abroad for a temporary but unlimited period. Spouses and children living with the policyholder can be co-insured. Policies can be effected up to a maximum age of 65 years. |
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