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At the beginning of your placement, you have to decide whether to stay in the public health system or to change to a private insurer. If you stay in the public system, you have to pay 8.2 % (up to 313.65 Euros) monthly. For younger people, the private insurance is cheaper than the public insurance. However, it is more expensive for older people.

At the beginning it is sufficient to stay in public system, You can later change to private ones, but to go back from private to public system it will be very difficult.

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Payments to health insurance, pension insurance, unemployment insurance and personal taxes are direct deductions. Therefore, the sum you get paid monthly is a net salary. Church taxes are also direct deductions. Estimations indicate that nearly 45 % of gross salaries are personal deductions. (Please have a look at www.brutto-netto-rechner.info)

Personal deductions / taxes

Mandatory health insurance and private insurance

To have a pension entitlement, you need to make 60 monthly payments in the public pension insurance. Years later you can receive your pension also in your country of origin. If you have made less than 60 payments you can get the money from your contribution back (~3,000 to 5,000 Euros a year). The pension system for German medical doctors is organised by the ´Versorgungswerk´. Pensions from this system are normally higher than those from the public pension system. Monthly You have to pay 14 %.