Germany Risk Assessment Country Guide

Expat Life in Germany

One of the most populous nations in Europe, Germany is home to roughly 82 million people. The country is a global political and economic leader, as well as a cultural center. Germany's economy is one of world’s largest, with strong manufacturing, science, technology and trade sectors. A high quality of life makes Germany a desirable destination for many expats and other foreign travelers.

According to the UK Foreign & Commonwealth Office, more than 2 million British nationals travel to Germany each year. Even though most of these visits are trouble-free, there are a certain number of risks present in the country. There is a general threat of terrorism, and there have been widespread reports of counterfeit currency. 

To manage the costs of life abroad, you may want to consider adequate international insurance. Appropriate cover can help limit the financial impact of living in Germany. 

  • Health
  • Safety & Security
  • Terrorism

On November 19, 2015, the CDC issued a level 1 watch for Germany due to the increase of reported cases of measles with more than 1,700 reported since May 11, 2015. The CDC recommends travelers to receive their measles vaccine before going abroad. 

Germany has many high-quality medical facilities and services. However, the costs of healthcare can add up quickly, and such, the appropriate insurance is recommended. Before leaving your home country, you should discuss any possible vaccinations or other preventative measures with your primary care physician.

Clements Worldwide offers Expat Health insurance coverage. This policy includes USD 5 million in health care benefits, and allows you to choose any number of doctors across the world. Clements coverage enables  flexible payment plans, multilingual assistance, choice of deductible and optional War and Terrorism coverage. This coverage extends your policy to include illness or injury caused by an act of war and terrorism.

In some cases, you may have to travel in order to access appropriate levels of care. A Medical Evacuation and Repatriation insurance policy from Clements covers expenses to transport you to a capable medical facility in case a local medical center isn’t able to provide adequate treatment.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in France.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

The current political climate in Germany is fairly stable, although you should still exercise caution in and  around large gatherings of people.

A Personal Accident insurance policy from Clements protects your organization’s employees and their families' financial stability following an accident, regardless of whether it occurs on the job or during personal time. Coverage begins at USD 100,000 per person.

Road conditions across Germany are adequate. In 2012, there were 3,601 road deaths in the country. That equals 4.4 deaths per 100,000 of the population. In some urban areas, there are restrictions regarding certain vehicles with high exhaust emissions.

Clements offers Overseas Car insurance, which includes Physical Damage, Third Party Liability, and Excess Liability coverage. With flexible deductible options and fast claims processing, your policy will provide coverage for your vehicle fleet whether it’s on the road, parked or transported abroad.

An optional Political Violence extension is also recommended, which broadens the coverage to include strikes, riots, malicious damage, sabotage, war, terrorism or civil unrest.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in France.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions

There is a general threat of terrorism in Germany. Attacks may be indiscriminate, and targets could include public places often visited by expats and tourists.

On October 31, 2016 a woman in Mülheim shouted “allahu akbar” as she threw furniture out of a window and attacked several police officers with a knife. Two officers were injured in the attack that officials associated with the Islamic State.

On October 29, 2016 a lone wolf attacker targeted and injured four civilians in a Frankfurt police station. Authorities have not identified the motive of the knife attack.

On October 18, 2016 a man wielding a machete attacked one person in the city of Hagen, Germany. Police forces opened fire and killed the attacker.

On October 16, 2016 a man associated with Islamic extremism through the Islamic State attacked two teenage children, killing one and injuring the other.

On September 29, 2016, a person attacked the mayor of Oersdorf with a stick. The mayor suffered multiple wounds and was unconscious. It is believed that the attack was in response to the Mayor’s plans to accommodate refugees.

On September 27, 2016, extremists exploded two bombs at a mosque and a conference center in the German town of Dresden.

On July 24, 2016, 15 people were wounded in a suicide bombing carried out by a Syrian refugee at a wine bar in Ansbach. The bomber died in the attack and it was later discovered that he had pledged allegiance to the Islamic State.

On July 18, a young Afghan asylum seeker attacked 5 train passengers with an axe and a knife.  

On April 16, 2016, a bomb exploded at a Sikh wedding ceremony in Essen, Germany, injuring at least three people. A masked assailant was seen leaving the scene.

A War and Terrorism insurance policy from Clements offers the right coverage against the risks of civil unrest, war, riots, looting and acts of terrorism.

Clements also provides Kidnap and Ransom insurance, which ensures financial assistance following a kidnapping, such as independent investigations, negotiations and the arrangement and delivery of funds.

Call us today at +1.202.872.0060 or 800.872.0067 or email request@clements.com to discuss your organization’s travel needs tailored to considerations involved while operating in France.

Source: UK Foreign & Commonwealth Office and Clements Worldwide 

Contact a Clements Representative for Insurance Solutions