What insurances do I need if I am self-employed?
You must have health and nursing care insurance. You can find more details here. You have to pay the contributions yourself.
You are free to decide whether you also want to have pension insurance, accident insurance and unemployment insurance, but you are not obliged to do so. You can find information about these insurances here.
You can take out voluntary unemployment insurance for the self-employed if
- you have worked as an employee for at least 12 months in the last 30 months before becoming self-employed, or
- you were receiving unemployment benefits immediately prior to becoming self-employed.