The liability to insure in the sense of the German social security designates the fundamental compulsory insurance standardized in the social legislation (SGB) and a coming off of the insurance of law because of. There are appropriate regulations for all branches of the social security. An insurance contract or a special decision of the responsible insurer is not necessary for the liability to insure in the social security when being present the conditions. It develops usually independently of a registration or of the payment of dues (exception: Artist social security). In order to be able to take achievements in the old age pension insurance in requirement, contributions must have been paid. In the other branches of insurance is only sufficient the membership than presupposition for claim, which results among other things from the liability to insure.

Legal bases of the liability to insure:

Health insurance "§ 5 SGB V; Nursing care insurance "§"§ 20 f. SGB XI; Old age pension insurance "§"§ 1 f. SGB VI; Unemployment insurance "§ 25 FF. SGB III; Accident insurance "§ 2 SGB VII

Who falls under the liability to

Among the persons subject to compulsory insurance persons rank in principle:

• all persons employed (employees), training, trainee, pensioner, student, independent farmers and artists,
• handicapped humans determined and
• Subscriber of unemployment pay I or II, transition money or certainly different payment indemnifications.

The circle of the statutory insurees persons extends in the legal accident insurance up:

• Children during the attendance of kindergartens,
• Pupil during the attendance of generally forming schools,
• Studying one during the attendance of universities,
• Care persons,
• Aid with the building of a tax-privileged or publicly promoted family home,
• Assistance-carrying out with traffic accidents,
• Life rescuer,
• Development aid,
• Prisoner,
• Rehabilitanden,
• Blood donor as well as
• determined honorary transacts and
• some independent ones etc. the persons subject to compulsory insurance place thereby the largest circle of acquaintances in the German social security.

Fulfilled someone the conditions for the liability to insure, then occurs these Kraft of law. It begins with it at 0.00 o'clock of the daily, at which the conditions are fulfilled. A usually necessary registration through bspw. an only formal character and no meaning for the liability to insure has the employer.

The exceptions of the liability to insure are expressly regulated in the respective social legislation following the regulations to the liability to insure.

See also

• Exempt from compulsory insuranceness

Articles in category "Liability to insure"

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