Health insurance reimburses (in full or in part) those with insurance in Germany for the costs associated with the treatment of disease, motherhood, and also often following accidents. There are two ways of being insured, namely with statutory or private health insurance. Health insurance is an obligatory insurance in Germany and may be filed with different health carriers. Private health insurance is available for people with a higher income (€4.800 per month as of 2017), for civil servants or self-employed individuals.
Social care insurance (PV) in Germany is another obligatory form of insurance. In order to safeguard against the risk of needing long-term care, the role of social care insurance is to provide help to those in need of care who are dependent on support and assistance due to the gravity of their need.