Insurance Policies for Refugees: Get the Coverage You Need

In 2016, over 740,000 applications for asylum were submitted in Germany (Source: BAMF). Many refugees come from areas of conflict in Syria, Afghanistan, and Iraq. Most are fleeing from war and destruction. In Germany, a large amount of bureaucracy awaits them. Many are especially helpless when it comes to dealing with the complicated German health and insurance system. Language barriers further complicate the situation.

This guide is intended to help acquaint you, as an asylum seeker, with insurance coverage in Germany. Here you’ll find out which kinds of insurance coverage you need and what they cover - in German, English, and Arabic.

For the two most important kinds of insurance you’ll find detailed articles in the guide:

Everything about health insurance in arab


Everything about liability insurance in arab


Everything about insurance policies in arab


Health insurance is a requirement for seeking medical care in Germany. Here you’ll find out everything you need to know about health insurance for refugees.

Liability insurance protects you from having to pay high costs should you accidently inflict damages upon others. Get informed about liability insurance for refugees, a special offer of German municipalities.

Other Important Insurance Policies for Refugees


Whether for day-to-day life, at work, on holiday, or travelling: there’s an insurance policy for just about every situation in Germany. These insurance policies cover costs in the case of damages being inflicted or illness. The insurance system, however, is a bit complicated. It can be especially difficult for those coming to Germany for the first time to understand the different types of insurance and their necessity. In addition to health insurance and liability insurance, there are still other types of insurance that are important for refugees. Here you’ll learn that


  • Occupational disablement insurance, unlike accident insurance, will also pay if you are unable to work due to illness.
  • Supplemental dental insurance is beneficial should you be genetically prone to dental problems.
  • It’s sensible to have most insurance policies only for residence periods of longer than 15 months since this is when you will no longer be under the Asylum-Seekers’ Benefits Act (Asylbewerberleistungsgesetz)

How to Find out Which Insurance Policies Are Important for You


When coming to Germany as a refugee, there are, of course, other things that are more important at first. However, you shouldn’t underestimate coverage provided by an insurance policy. If you’re ill or cause/suffer damages, you’ll need insurance. Health insurance and liability insurance are the two most important types. Especially when staying in Germany for an extended period of time, other kinds of insurance, such as accident, household, life, or supplemental dental insurance, will be necessary.

Which kinds of insurance you’ll need of course depends on your living conditions. Important factors are:


  • Your length of stay: if staying in Germany for longer than 15 months, you should definitely consider getting an adequate amount of insurance coverage.
  • Your leisure activities: dangerous kinds of sports come with an increased risk of injury and the associated costs.
  • Your health condition: should you have poor dental health, for instance, having supplemental dental insurance could be beneficial.
  • Your housing situation: a household insurance policy will only cover valuables stored in your own home.

Accident Insurance and Occupational Disablement Insurance


Private accident insurance covers the costs of treatment for permanent physical or mental impairment resulting from an accident. In addition, salvage costs, cosmetic operations, hospital per diem, and payments in case of death can be covered. Accident insurance will of course only cover associated costs should the cause of the damages really be an accident.


Another case is statutory accident insurance. You’ll automatically have this insurance coverage when you begin working in Germany. Internships and mini-jobs are also included. Statutory accident insurance will cover you while you’re at work and while commuting.


Also very important is occupational disablement insurance as a supplement to accident insurance. An occupational disablement insurance policy will cover costs that arise should you no longer be able to perform your occupation due to physical or mental impairment. This policy will also cover you if illness is the cause, as opposed to accident insurance. For occupational disablement insurance, however, an important requirement is a set occupational profile.


With both accident and occupational disablement insurance, you can individually set the sum insured. The monthly costs will depend on the sum insured. Accident insurance policies are available starting at about €20 a month. Occupational disablement insurance policies, on the other hand, are relatively expensive. Here you can expect policies to cost about €40 a month. For a policy with extensive coverage, you can easily pay over €70 monthly.

Supplemental Dental Insurance


Supplemental dental costs, e.g. for dental prostheses, in Germany are not or only partially covered by health insurance. Thus, a supplemental dental insurance policy is important for many Germans so they can avoid high costs. Relatively poor dental health is a problem many asylum seekers have to deal with.

In the first 15 months of residence, the Asylum-Seekers’ Benefits Act (Asylbewerberleistungsgesetz) covers all medical treatment of refugees. Costs for dental operations that are absolutely necessary are covered by the corresponding social services department. After 15 months, however, you will automatically be covered by statutory health insurance. Additional dental treatment costs can then only be covered by supplemental dental insurance. Such an insurance policy will cover costs for dental prostheses and their upkeep. This can help save thousands of Euros. If you are especially prone to dental problems, having such an insurance policy could be a good idea.

The costs for supplemental dental insurance depend on the coverage. You can decide if you’d like 50% or 100% of the costs to be covered. You can usually get partial coverage for under €10 a month.

Household Insurance


A household insurance policy will insure your household items, i.e. possessions, furniture, etc. Such a policy will cover damages caused by break-ins and theft. Damage caused by fire and water is also covered by household insurance. A requirement for having such an insurance policy is that you have your own home with a rental agreement. How high the costs for household insurance are depend on:


  • The size of your home
  • The location of your home
  • The desired insurance sum per square metre


An insurance sum of about €650 per square metre is recommended. You can get a household insurance policy for a 60 sqm home from about €5 per month.

Term Life Insurance


Term life insurance will protect your family in the event of your death. This kind of insurance can help cover bills in the event of your death. Thus, term life insurance is there to protect your loved ones against financial burden.

Term life insurance is relatively affordable depending on the sum insured and the duration of the policy. Such a policy can be obtained starting at about €2 a month. It’s especially sensible to take out such a policy if you are the main earner of the family. This insurance will protect your family against high costs they aren’t able to handle without your income.



Which insurance policies you need all depends on your own individual living situation. A crucial factor especially is your length of stay. Are you staying for longer than 15 months and have steady employment and your own home? Then you should consider obtaining comprehensive insurance coverage.

Important: You will have to pay for most insurance policies yourself. For some insurance policies, the social services department or municipality will cover the costs. It’s best to ask your local authorities. Should language difficulties be a problem, you should definitely have someone there who can interpret for you.