Do you need new health insurance? This is a question you should definitely ask yourself every time you go abroad! Here is a brief overview of what you need to take care of in each country.

Within the European Union, the European Economic Area, and Switzerland

With an A1 certificate ✅

If you come from the European Union, Iceland, Norway, Liechtenstein, or Switzerland and want to work in one of these countries, there is a very simple solution: the A1 certificate.

This allows you to remain insured in your home country and eliminates the need for insurance status in the destination country – the country where you are doing your seasonal job. You can obtain the A1 certificate from your insurance company in your home country and it is valid for up to 24 months.

Switzerland is an exception. There, you must make a separate agreement with the authorities.

Without A1 🚫

Then you will be subject to social security contributions in your destination country. Your employer will register you with all the necessary insurance companies (including health insurance). The contribution will be deducted directly from your salary.

Switzerland is again an exception here. There, you usually have to take out health insurance yourself. This is mandatory in Switzerland, but it is not the employer's responsibility. However, there are companies that will do this for you on a voluntary basis.

Seasonal workers from third countries 🌎

If you come from a third country and want to work within the European Union, the European Economic Area, or Switzerland, the following provisions apply:

Germany, Austria, Italy, and Switzerland

You will be subject to social security contributions in the respective country. Your employer will register you for all necessary insurance (including health insurance in Germany and Austria). The contribution will be deducted directly from your wages.

Special features in Germany

📌 Exception for short-term seasonal jobs. The requirements for this are:

• A maximum of 70 working days or three months

• Earnings below €520

Then the following applies:

• No social security contributions

• However, you must take out private health insurance.

• The employer pays for accident insurance. This exception only applies to people from third countries if the employment office agrees and a corresponding visa is available.

Special features in Switzerland

You usually have to take out health insurance yourself, as employers are not legally obliged to do so. However, some companies do this for you on a voluntary basis.

Special features in Italy

Health insurance is generally free of charge, but in some regions you have to register with the local health authority yourself in order to be able to use medical services.

⚠️Important:

Be sure to find out exactly what you need in each country. You can do this online or at the embassy of your destination country in your home country. You should also check with your employer in advance to find out what they will and will not cover for you.

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