Overview
- Statutory health insurance is legally required for apprentices and should be confirmed at the start of training.
- Consumer groups say a private occupational‑disability (Berufsunfähigkeitsversicherung) should be an early priority because the state Erwerbsminderungsrente often does not fully protect young people.
- Apprentices should check whether they remain covered by their parents' private liability policy before buying their own policy to avoid duplicate costs.
- Household contents insurance is recommended only when an apprentice forms an independent household with valuable items, and travel health cover is advised for trips abroad.
- New trainees are urged to build small savings now, for example by using employer vermögenswirksame Leistungen or simple budgeting apps to create a financial buffer.