Employee health and pension insurance
Employer-based enrollment, premiums, sickness allowance, maternity allowance, and dependants.
Eligible employees are enrolled through work in health insurance and Employees’ Pension; some health-insurance schemes also provide income benefits unavailable under municipal NHI.
Benefits may vary by: insurer · employment status · municipality · household
Get professional or administrator help: Ask HR and the health insurer when hours or contract status change, or before taking medical or maternity leave.
Review due: 2026-10-30
Key points
- Employer and employee generally share social-insurance contributions.
- Health-insurance dependants and pension Category 3 spouses have distinct tests.
- Sickness and injury allowance may support eligible employees unable to work for non-work reasons.
- Work injuries go to workers’ compensation, not ordinary sickness allowance.
Benefits beyond treatment
For qualifying inability to work, sickness allowance generally begins after a three-day waiting period and is calculated from standard remuneration under statutory rules. Maternity allowance is separate. Ask your health-insurance association for eligibility, coordination with pay, and the current calculation.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.