{"id":352,"date":"2026-08-23T08:58:00","date_gmt":"2026-08-23T08:58:00","guid":{"rendered":"https:\/\/www.jawhm.or.jp\/blog\/europe\/?p=352"},"modified":"2026-08-23T09:00:02","modified_gmt":"2026-08-23T09:00:02","slug":"de-insurance","status":"publish","type":"post","link":"https:\/\/www.jawhm.or.jp\/blog\/europe\/uncategorized\/352\/","title":{"rendered":"\u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4 \u4fdd\u967a \u2014 \u6c11\u9593\u4fdd\u967a + \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u304c\u4e00\u822c\u89e3"},"content":{"rendered":"<figure class=\"wp-block-image aligncenter\" style=\"max-width:480px;margin:1.5em auto\"><img decoding=\"async\" src=\"\/blog\/europe\/wp-content\/uploads\/sites\/5\/2026\/07\/de-insurance-img1.png\" alt=\"\u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4 \u4fdd\u967a \u2014 \u6c11\u9593\u4fdd\u967a + \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u304c\u4e00\u822c\u89e3 \u2014 \u30a4\u30e1\u30fc\u30b81\" style=\"width:100%;height:auto;display:block\" \/><figcaption style=\"text-align:center;font-size:0.85em;color:#666\">\u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4 \u4fdd\u967a \u2014 \u6c11\u9593\u4fdd\u967a + \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u304c\u4e00\u822c\u89e3 \u2014 \u30a4\u30e1\u30fc\u30b81<\/figcaption><\/figure>\n<h2>1. \u7d50\u8ad6 \u2014 \u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4\u306e\u4fdd\u967a\u306f\u300e\u6c11\u9593\u4fdd\u967a + \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u300f\u304c\u4e00\u822c\u89e3<\/h2>\n<p>\u30c9\u30a4\u30c4\u30ef\u30fc\u30db\u30ea\u306e\u4fdd\u967a\u306f\u3001\u30d3\u30b6\u7533\u8acb\u306e\u8981\u4ef6\u3068\u73fe\u5730\u3067\u306e\u5c31\u52b4\u6761\u4ef6\u306e\u4e21\u9762\u304b\u3089\u300c\u6c11\u9593\u533b\u7642\u4fdd\u967a + \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u300d\u306e\u7d44\u307f\u5408\u308f\u305b\u304c\u4e00\u822c\u7684\u306a\u89e3\u306b\u306a\u308a\u307e\u3059\u3002\u307e\u305a\u5168\u4f53\u50cf\u3092\u6574\u7406\u3057\u3066\u304b\u3089\u3001\u7a2e\u985e\u5225\u306b\u8a73\u3057\u304f\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u30c9\u30a4\u30c4\u5916\u52d9\u7701\u5728\u65e5\u5927\u4f7f\u9928 (japan.diplo.de) \u306e\u516c\u5f0f\u6848\u5185\u3067\u306f\u3001\u30ef\u30fc\u30db\u30ea\u30d3\u30b6\u7533\u8acb\u306b\u300c\u30c9\u30a4\u30c4\u3067\u306e\u5168\u6ede\u5728\u671f\u9593\u6709\u52b9\u306a\u65c5\u884c\u8005\u7528\u533b\u7642\u4fdd\u967a (\u6b6f\u79d1\u30fb\u598a\u5a20\u6642\u3082\u9069\u7528) \u304a\u3088\u3073\u65c5\u884c\u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u300d\u304c\u5fc5\u9808\u8981\u4ef6\u3068\u3057\u3066\u660e\u8a18\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u65e5\u672c\u306e\u6d77\u5916\u65c5\u884c\u4fdd\u967a\u3067\u306f\u30ab\u30d0\u30fc\u3055\u308c\u306a\u3044\u3053\u3068\u304c\u591a\u3044\u300c\u6b6f\u79d1\u6cbb\u7642\u300d\u300c\u598a\u5a20\u6642\u306e\u6cbb\u7642\u300d\u304c\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002\u4fdd\u967a\u8a3c\u660e\u66f8\u306f\u82f1\u8a9e\u307e\u305f\u306f\u30c9\u30a4\u30c4\u8a9e\u3067\u767a\u884c\u3055\u308c\u3001\u52a0\u5165\u671f\u9593\u3068\u88dc\u511f\u5185\u5bb9\u304c\u660e\u8a18\u3055\u308c\u3066\u3044\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u30ef\u30fc\u30db\u30ea\u6ede\u5728\u3067\u306f\u3001\u6c11\u9593\u4fdd\u967a (Care Concept \/ DR-WALTER \u7b49) \u3092\u9078\u3076\u30b1\u30fc\u30b9\u304c\u73fe\u5b9f\u7684\u306b\u591a\u304f\u3001\u6599\u91d1\u76ee\u5b89\u306f\u5e74 \u00a5150,000\u301c\u00a5250,000 (\u5e02\u5834\u76f8\u5834\u3001\u8981\u898b\u7a4d) \u3067\u3059\u3002\u516c\u7684\u4fdd\u967a (TK\/AOK \u7b49) \u306f\u30ef\u30fc\u30db\u30ea\u3067\u306f\u52a0\u5165\u6761\u4ef6\u3092\u6e80\u305f\u3057\u306b\u304f\u304f\u3001\u73fe\u5730\u5c31\u52b4\u5951\u7d04\u5f8c\u306b\u5207\u66ff\u3092\u691c\u8a0e\u3059\u308b\u30d1\u30bf\u30fc\u30f3\u304c\u60f3\u5b9a\u3055\u308c\u307e\u3059\u3002\u30cf\u30d6\u8a18\u4e8b\u300e\u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4\u300f\u3067\u5168\u4f53\u50cf\u3092\u78ba\u8a8d\u3057\u3001\u672c\u8a18\u4e8b\u306f\u4fdd\u967a\u306b\u7d5e\u3063\u305f\u6df1\u6398\u308a\u3092\u884c\u3044\u307e\u3059\u3002<\/p>\n<hr>\n<h2>2. \u30d3\u30b6\u7533\u8acb\u306b\u5fc5\u8981\u306a\u4fdd\u967a\u8981\u4ef6 \u2014 \u5927\u4f7f\u9928\u306f\u4f55\u3092\u898b\u308b\u304b<\/h2>\n<p>\u30d3\u30b6\u7533\u8acb\u3067\u5927\u4f7f\u9928\u304c\u78ba\u8a8d\u3059\u308b\u306e\u306f\u300c\u88dc\u511f\u7bc4\u56f2\u300d\u3068\u300c\u6709\u52b9\u671f\u9593\u300d\u306e 2 \u70b9\u3067\u3059\u3002\u65e5\u672c\u306e\u4e00\u822c\u7684\u306a\u6d77\u5916\u65c5\u884c\u4fdd\u967a\u3067\u306f\u30ab\u30d0\u30fc\u4e0d\u8db3\u306b\u306a\u308b\u30b1\u30fc\u30b9\u304c\u3042\u308b\u305f\u3081\u3001\u8981\u4ef6\u3092\u6b63\u78ba\u306b\u62bc\u3055\u3048\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u30c9\u30a4\u30c4\u5916\u52d9\u7701 (\u5728\u65e5\u5927\u4f7f\u9928) \u306e\u516c\u5f0f\u6848\u5185 (japan.diplo.de\/service\/wh-957786) \u3067\u306f\u3001\u8981\u4ef6\u3068\u3057\u3066\u300c\u30c9\u30a4\u30c4\u3067\u306e\u5168\u6ede\u5728\u671f\u9593\u6709\u52b9\u306a\u65c5\u884c\u8005\u7528\u533b\u7642\u4fdd\u967a (\u6b6f\u79d1\u30fb\u598a\u5a20\u6642\u3082\u9069\u7528) \u304a\u3088\u3073\u65c5\u884c\u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u300d\u3068\u660e\u793a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u300c\u6b6f\u79d1\u30fb\u598a\u5a20\u6642\u3082\u9069\u7528\u300d\u304c\u65e5\u672c\u306e\u6a19\u6e96\u7684\u306a\u6d77\u5916\u65c5\u884c\u4fdd\u967a\u30fb\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4ed8\u5e2f\u4fdd\u967a\u3068\u306e\u5206\u304b\u308c\u76ee\u3067\u3059\u3002\u4e00\u822c\u7684\u306a\u30af\u30ec\u30ab\u4ed8\u5e2f\u306f\u3053\u308c\u3089\u306e\u88dc\u511f\u304c\u4e0d\u8db3\u3059\u308b\u305f\u3081\u3001\u30d3\u30b6\u7533\u8acb\u306b\u306f\u4f7f\u3048\u306a\u3044\u30b1\u30fc\u30b9\u304c\u591a\u304f\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u4fdd\u967a\u8a3c\u660e\u66f8\u306f\u82f1\u8a9e\u307e\u305f\u306f\u30c9\u30a4\u30c4\u8a9e\u3067\u767a\u884c\u3055\u308c\u3001\u52a0\u5165\u671f\u9593\u3068\u88dc\u511f\u5185\u5bb9\u304c\u660e\u8a18\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u7533\u8acb\u66f8\u985e 11 \u9805\u76ee\u306e\u3046\u3061\u3001\u533b\u7642\u4fdd\u967a\u8a3c\u660e\u3068\u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u8a3c\u660e\u306e 2 \u3064\u304c\u3053\u3053\u306b\u8a72\u5f53\u3057\u307e\u3059\u3002<\/p>\n<hr>\n<h2>3. \u516c\u7684\u4fdd\u967a (gesetzliche Krankenversicherung) vs \u6c11\u9593\u4fdd\u967a (private Krankenversicherung)<\/h2>\n<p>\u30c9\u30a4\u30c4\u306e\u533b\u7642\u4fdd\u967a\u306f\u516c\u7684 (gesetzlich) \u3068\u6c11\u9593 (privat) \u306e\u4e8c\u672c\u7acb\u3066\u3067\u3059\u3002\u30ef\u30fc\u30db\u30ea\u67a0\u3067\u306f\u3069\u3061\u3089\u304c\u73fe\u5b9f\u7684\u304b\u3001\u52a0\u5165\u6761\u4ef6\u3068\u8cbb\u7528\u611f\u3092\u6574\u7406\u3057\u307e\u3059\u3002<\/p>\n<h3>\u516c\u7684\u4fdd\u967a (TK \/ AOK \/ Barmer \u306a\u3069)<\/h3>\n<ul>\n<li>\u52a0\u5165\u6761\u4ef6: \u5c31\u52b4\u5951\u7d04\u306b\u57fa\u3065\u304f\u52a0\u5165\u304c\u539f\u5247<\/li>\n<li>\u6599\u7387: \u53ce\u5165\u306e\u7d04 14-16% \u3092\u96c7\u7528\u4e3b\u3068\u6298\u534a (\u203b\u5177\u4f53\u6599\u7387\u306f\u6700\u65b0\u5024\u3092\u8981\u78ba\u8a8d)<\/li>\n<li>\u6ce8\u610f: \u30ef\u30fc\u30db\u30ea\u306f\u300c\u89b3\u5149\u304c\u4e3b\u76ee\u7684\u300d\u306e\u5236\u5ea6\u306e\u305f\u3081\u3001\u52a0\u5165\u6761\u4ef6\u3092\u6e80\u305f\u3057\u306b\u304f\u3044\u30b1\u30fc\u30b9\u304c\u591a\u3044<\/li>\n<\/ul>\n<h3>\u6c11\u9593\u4fdd\u967a (Care Concept \/ DR-WALTER \/ Hanse Merkur \u306a\u3069)<\/h3>\n<ul>\n<li>\u52a0\u5165\u6761\u4ef6: \u4fdd\u967a\u5546\u54c1\u3054\u3068\u306e\u898f\u5b9a\u306b\u5f93\u3063\u3066\u52a0\u5165 (\u5e74\u9f62\u30fb\u6ede\u5728\u76ee\u7684)<\/li>\n<li>\u6599\u91d1: \u6708\u984d\u56fa\u5b9a\u304c\u4e00\u822c\u7684\u3001\u30ef\u30fc\u30db\u30ea\u30fb\u7559\u5b66\u5411\u3051\u306e\u9577\u671f\u5546\u54c1\u304c\u5145\u5b9f<\/li>\n<li>\u30e1\u30ea\u30c3\u30c8: \u30d3\u30b6\u7533\u8acb\u306e\u8981\u4ef6 (\u6b6f\u79d1\u30fb\u598a\u5a20\u30ab\u30d0\u30fc) \u3092\u6e80\u305f\u3059\u5546\u54c1\u304c\u9078\u3073\u3084\u3059\u3044<\/li>\n<\/ul>\n<h3>\u6bd4\u8f03\u8868<\/h3>\n<table>\n<thead>\n<tr>\n<th>\u9805\u76ee<\/th>\n<th>\u516c\u7684\u4fdd\u967a<\/th>\n<th>\u6c11\u9593\u4fdd\u967a<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u52a0\u5165\u6761\u4ef6<\/td>\n<td>\u5c31\u52b4\u5951\u7d04\u30d9\u30fc\u30b9<\/td>\n<td>\u5546\u54c1\u898f\u5b9a\u3067\u52a0\u5165\u53ef<\/td>\n<\/tr>\n<tr>\n<td>\u6708\u984d\u76ee\u5b89<\/td>\n<td>\u53ce\u5165\u306e\u7d04 14-16% (\u6298\u534a\u3001\u8981\u78ba\u8a8d)<\/td>\n<td>\u20ac30-\u20ac60 \u5e2f (\u5e02\u5834\u76f8\u5834\u3001\u8981\u898b\u7a4d)<\/td>\n<\/tr>\n<tr>\n<td>\u6b6f\u79d1\u30fb\u598a\u5a20\u30ab\u30d0\u30fc<\/td>\n<td>\u5236\u5ea6\u4e0a\u306f\u30ab\u30d0\u30fc (\u8981\u78ba\u8a8d)<\/td>\n<td>\u5546\u54c1\u306b\u3088\u308a\u5bfe\u5fdc (\u8981\u4ef6\u9069\u5408\u306e\u5546\u54c1\u3092\u9078\u3076)<\/td>\n<\/tr>\n<tr>\n<td>\u5e30\u56fd\u5f8c\u624b\u7d9a\u304d<\/td>\n<td>\u96c7\u7528\u5951\u7d04\u7d42\u4e86\u3067\u8131\u9000<\/td>\n<td>\u89e3\u7d04\u624b\u7d9a\u304d\u304c\u5fc5\u8981<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u30ef\u30fc\u30db\u30ea\u30d3\u30b6\u306f\u300c\u89b3\u5149\u304c\u4e3b\u76ee\u7684\u300d\u306e\u305f\u3081\u3001\u5c31\u52b4\u5951\u7d04\u30d9\u30fc\u30b9\u306e\u516c\u7684\u4fdd\u967a\u52a0\u5165\u6761\u4ef6\u3092\u6e80\u305f\u3057\u306b\u304f\u304f\u3001\u7d50\u679c\u3068\u3057\u3066\u6c11\u9593\u4fdd\u967a\u304c\u73fe\u5b9f\u89e3\u306b\u306a\u308b\u30b1\u30fc\u30b9\u304c\u4e00\u822c\u7684\u3067\u3059\u3002\u73fe\u5730\u3067\u5c31\u52b4\u5951\u7d04 (Arbeitsvertrag) \u3092\u7d50\u3093\u3060\u5f8c\u306b\u516c\u7684\u4fdd\u967a\u3078\u5207\u308a\u66ff\u3048\u308b\u30eb\u30fc\u30c8\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u30ef\u30fc\u30db\u30ea\u671f\u9593\u4e2d\u306f\u6c11\u9593\u7d99\u7d9a\u304c\u7121\u96e3\u306a\u9078\u629e\u80a2\u3067\u3059\u3002<\/p>\n<hr>\n<h2>4. \u6c11\u9593\u4fdd\u967a\u306e\u4e3b\u8981 3 \u793e \u2014 Care Concept \/ DR-WALTER \/ Hanse Merkur<\/h2>\n<p>\u6c11\u9593\u4fdd\u967a\u306f\u5546\u54c1\u304c\u591a\u5c90\u306b\u6e21\u308b\u305f\u3081\u3001\u4e3b\u8981 3 \u793e\u306e\u7279\u5fb4\u3068\u76f8\u5834\u611f\u3092\u6574\u7406\u3057\u307e\u3059\u3002\u6599\u91d1\u306f\u5909\u52d5\u3059\u308b\u305f\u3081\u3001\u6700\u7d42\u7684\u306a\u6570\u5b57\u306f\u516c\u5f0f\u898b\u7a4d\u3082\u308a\u3067\u78ba\u8a8d\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<h3>Care Concept (Care Economy \/ Care College)<\/h3>\n<ul>\n<li>\u7559\u5b66\u751f\u30fb\u30ef\u30fc\u30db\u30ea\u5411\u3051\u306e\u5b9a\u756a<\/li>\n<li>\u6708\u984d\u76ee\u5b89: \u20ac30-\u20ac50 \u5e2f (\u5e02\u5834\u76f8\u5834\u3001\u8981\u898b\u7a4d)<\/li>\n<li>\u6b6f\u79d1\u30fb\u598a\u5a20\u30ab\u30d0\u30fc\u542b\u3080\u5546\u54c1\u30e9\u30a4\u30f3\u30ca\u30c3\u30d7\u3042\u308a<\/li>\n<\/ul>\n<h3>DR-WALTER (PROTRIP-WORLD)<\/h3>\n<ul>\n<li>\u30ef\u30fc\u30db\u30ea\u30fb\u9577\u671f\u7559\u5b66\u5411\u3051\u306e\u5546\u54c1\u304c\u5145\u5b9f<\/li>\n<li>\u6708\u984d\u76ee\u5b89: \u20ac40-\u20ac60 \u5e2f (\u5e02\u5834\u76f8\u5834\u3001\u8981\u898b\u7a4d)<\/li>\n<li>\u6b6f\u79d1\u30fb\u598a\u5a20\u30ab\u30d0\u30fc\u3092\u542b\u3080\u30d1\u30c3\u30b1\u30fc\u30b8\u3042\u308a<\/li>\n<\/ul>\n<h3>Hanse Merkur<\/h3>\n<ul>\n<li>\u30c9\u30a4\u30c4\u5927\u624b\u4fdd\u967a\u4f1a\u793e\u306e\u9577\u671f\u6ede\u5728\u5546\u54c1<\/li>\n<li>\u30d3\u30b6\u7533\u8acb\u306b\u305d\u306e\u307e\u307e\u63d0\u51fa\u3067\u304d\u308b\u8a3c\u660e\u66f8\u767a\u884c\u306e\u8a55\u5224<\/li>\n<li>\u6708\u984d\u76ee\u5b89: \u20ac50-\u20ac70 \u5e2f (\u5e02\u5834\u76f8\u5834\u3001\u8981\u898b\u7a4d)<\/li>\n<\/ul>\n<h3>\u6bd4\u8f03\u8868<\/h3>\n<table>\n<thead>\n<tr>\n<th>\u793e\u540d<\/th>\n<th>\u6708\u984d\u76ee\u5b89 (\u20ac)<\/th>\n<th>\u88dc\u511f\u4e0a\u9650\u306e\u76ee\u5b89 (\u20ac)<\/th>\n<th>\u6b6f\u79d1\u30ab\u30d0\u30fc<\/th>\n<th>\u7533\u8acb\u8a3c\u660e\u66f8<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Care Concept<\/td>\n<td>30-50<\/td>\n<td>\u5546\u54c1\u306b\u3088\u308a\u7570\u306a\u308b<\/td>\n<td>\u5546\u54c1\u306b\u3088\u308b<\/td>\n<td>\u82f1\u72ec\u3067\u767a\u884c\u53ef<\/td>\n<\/tr>\n<tr>\n<td>DR-WALTER<\/td>\n<td>40-60<\/td>\n<td>\u5546\u54c1\u306b\u3088\u308a\u7570\u306a\u308b<\/td>\n<td>\u5546\u54c1\u306b\u3088\u308b<\/td>\n<td>\u82f1\u72ec\u3067\u767a\u884c\u53ef<\/td>\n<\/tr>\n<tr>\n<td>Hanse Merkur<\/td>\n<td>50-70<\/td>\n<td>\u5546\u54c1\u306b\u3088\u308a\u7570\u306a\u308b<\/td>\n<td>\u5546\u54c1\u306b\u3088\u308b<\/td>\n<td>\u30c9\u30a4\u30c4\u8a9e\/\u82f1\u8a9e\u3067\u767a\u884c\u53ef<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u9078\u5b9a\u57fa\u6e96: \u88dc\u511f\u4e0a\u9650\u3001\u6b6f\u79d1\u306e\u4e0a\u9650\u3001\u81ea\u5df1\u8ca0\u62c5\u984d\u3001\u7533\u8acb\u8a3c\u660e\u66f8\u306e\u767a\u884c\u30b9\u30d4\u30fc\u30c9\u3068\u8a00\u8a9e\u5bfe\u5fdc\u3067\u3059\u3002\u6599\u91d1\u30fb\u88dc\u511f\u5185\u5bb9\u306f\u6700\u65b0\u306e\u516c\u5f0f\u898b\u7a4d\u3082\u308a\u304c\u6b63\u3067\u3059\u3002\u672c\u8a18\u4e8b\u306e\u6570\u5b57\u306f\u5e02\u5834\u76f8\u5834\u306e\u76ee\u5b89\u3068\u3057\u3066\u53c2\u8003\u306b\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<hr>\n<figure class=\"wp-block-image aligncenter\" style=\"max-width:480px;margin:1.5em auto\"><img decoding=\"async\" src=\"\/blog\/europe\/wp-content\/uploads\/sites\/5\/2026\/07\/de-insurance-img2.png\" alt=\"\u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4 \u4fdd\u967a \u2014 \u6c11\u9593\u4fdd\u967a + \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u304c\u4e00\u822c\u89e3 \u2014 \u30a4\u30e1\u30fc\u30b82\" style=\"width:100%;height:auto;display:block\" \/><figcaption style=\"text-align:center;font-size:0.85em;color:#666\">\u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4 \u4fdd\u967a \u2014 \u6c11\u9593\u4fdd\u967a + \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u304c\u4e00\u822c\u89e3 \u2014 \u30a4\u30e1\u30fc\u30b82<\/figcaption><\/figure>\n<h2>5. \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a (Haftpflichtversicherung) \u2014 \u898b\u843d\u3068\u3057\u3084\u3059\u3044\u5fc5\u9808\u9805\u76ee<\/h2>\n<p>\u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u306f\u533b\u7642\u4fdd\u967a\u3068\u306f\u5225\u5546\u54c1\u3067\u3059\u3002\u30d3\u30b6\u8981\u4ef6\u3068\u3057\u3066\u660e\u8a18\u3055\u308c\u3066\u3044\u308b\u305f\u3081\u3001\u898b\u843d\u3068\u3055\u306a\u3044\u3088\u3046\u306b\u6574\u7406\u3057\u3066\u304a\u304d\u307e\u3059\u3002<\/p>\n<p>\u30ef\u30fc\u30db\u30ea\u30d3\u30b6\u7533\u8acb\u306b\u306f\u300c\u65c5\u884c\u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u300d\u304c\u8981\u4ef6\u3068\u3057\u3066\u660e\u8a18\u3055\u308c\u3066\u3044\u307e\u3059 (\u51fa\u5178: japan.diplo.de)\u3002\u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u306f\u300c\u4ed6\u4eba\u306e\u7269\u3092\u58ca\u3057\u305f\u30fb\u4ed6\u4eba\u306b\u30b1\u30ac\u3092\u3055\u305b\u305f\u6642\u300d\u306e\u88dc\u511f\u3067\u3001\u533b\u7642\u4fdd\u967a\u3068\u306f\u5225\u5546\u54c1\u3067\u3059\u3002<\/p>\n<p>\u65e5\u672c\u306e\u6d77\u5916\u65c5\u884c\u4fdd\u967a (JTB\u30fb\u640d\u4fdd\u30b8\u30e3\u30d1\u30f3\u30fb\u6771\u4eac\u6d77\u4e0a\u7b49) \u306e\u30aa\u30d7\u30b7\u30e7\u30f3\u3067\u30ab\u30d0\u30fc\u3055\u308c\u308b\u30b1\u30fc\u30b9\u304c\u591a\u304f\u3001\u6c11\u9593\u533b\u7642\u4fdd\u967a (Care Concept \u7b49) \u306e\u30d1\u30c3\u30b1\u30fc\u30b8\u306b\u542b\u307e\u308c\u308b\u5546\u54c1\u3082\u3042\u308a\u307e\u3059\u3002\u9577\u671f\u6ede\u5728\u3067\u6e21\u72ec\u3059\u308b\u5834\u5408\u306f\u3001\u73fe\u5730\u306e Privathaftpflicht (\u500b\u4eba\u8ce0\u511f\u8cac\u4efb\u4fdd\u967a) \u306b\u5207\u308a\u66ff\u3048\u308b\u9078\u629e\u80a2\u3082\u3042\u308a\u3001\u6708\u984d \u20ac5-\u20ac10 \u5e2f\u304c\u5e02\u5834\u76f8\u5834\u306e\u76ee\u5b89\u3067\u3059\u3002<\/p>\n<hr>\n<h2>6. \u6e21\u72ec\u5f8c\u306e\u4fdd\u967a\u5207\u66ff\u30b7\u30ca\u30ea\u30aa \u2014 \u5c31\u52b4\u958b\u59cb\u3067\u3069\u3046\u5909\u308f\u308b\u304b<\/h2>\n<p>\u30ef\u30fc\u30db\u30ea\u671f\u9593\u4e2d\u306b\u5c31\u52b4\u5951\u7d04\u3092\u7d50\u3093\u3060\u5834\u5408\u3001\u516c\u7684\u4fdd\u967a\u3078\u306e\u5207\u66ff\u304c\u9078\u629e\u80a2\u306b\u5165\u308a\u307e\u3059\u3002\u305f\u3060\u3057\u624b\u7d9a\u304d\u306f\u7169\u96d1\u306a\u305f\u3081\u3001\u73fe\u5b9f\u7684\u306a\u52d5\u7dda\u3092\u6574\u7406\u3057\u307e\u3059\u3002<\/p>\n<ul>\n<li>\u6e21\u72ec\u76f4\u5f8c: \u51fa\u767a\u524d\u306b\u52a0\u5165\u3057\u305f\u6c11\u9593\u4fdd\u967a\u3092\u7d99\u7d9a\u3059\u308b\u306e\u304c\u4e00\u822c\u7684<\/li>\n<li>\u73fe\u5730\u5c31\u52b4\u5951\u7d04 (Arbeitsvertrag) \u3092\u7d50\u3093\u3060\u5834\u5408: \u96c7\u7528\u4e3b\u7d4c\u7531\u3067\u516c\u7684\u4fdd\u967a\u306b\u52a0\u5165\u3059\u308b\u9053\u304c\u958b\u304d\u307e\u3059 (\u203b Minijob \u7b49\u306e\u8efd\u52b4\u50cd\u533a\u5206\u306e\u6271\u3044\u306f\u5225\u9014\u6574\u7406)<\/li>\n<li>\u5207\u66ff\u6642\u306e\u6ce8\u610f: \u6c11\u9593 \u2192 \u516c\u7684\u306e\u5207\u66ff\u306f\u624b\u7d9a\u304d\u304c\u7169\u96d1\u306a\u305f\u3081\u3001\u30ef\u30fc\u30db\u30ea\u671f\u9593\u4e2d\u306f\u6c11\u9593\u7d99\u7d9a\u304c\u7121\u96e3\u306a\u9078\u629e\u80a2\u3067\u3059<\/li>\n<li>\u5e30\u56fd\u6642: \u6c11\u9593\u4fdd\u967a\u306f\u89e3\u7d04\u624b\u7d9a\u304d\u3001\u516c\u7684\u4fdd\u967a\u306f\u96c7\u7528\u5951\u7d04\u7d42\u4e86\u3067\u81ea\u52d5\u8131\u9000\u3068\u306a\u308a\u307e\u3059<\/li>\n<\/ul>\n<p>Minijob\/Midijob \u533a\u5206\u3067\u306e\u793e\u4f1a\u4fdd\u967a\u8ca0\u62c5\u306e\u5177\u4f53\u984d\u306f\u3001\u672c\u8a18\u4e8b\u306e\u78ba\u8a8d\u6642\u70b9\u3067\u516c\u5f0f\u60c5\u5831\u6e90 (minijob-zentrale.de) \u306e\u5404\u30b5\u30d6\u30da\u30fc\u30b8\u304c\u53d6\u5f97\u3067\u304d\u306a\u304b\u3063\u305f\u305f\u3081\u3001\u6700\u65b0\u5024\u306f\u540c\u30b5\u30a4\u30c8\u3067\u76f4\u63a5\u78ba\u8a8d\u3059\u308b\u3053\u3068\u3092\u63a8\u5968\u3057\u307e\u3059\u3002<\/p>\n<hr>\n<figure class=\"wp-block-image aligncenter\" style=\"max-width:480px;margin:1.5em auto\"><img decoding=\"async\" src=\"\/blog\/europe\/wp-content\/uploads\/sites\/5\/2026\/07\/de-insurance-img3.png\" alt=\"\u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4 \u4fdd\u967a \u2014 \u6c11\u9593\u4fdd\u967a + \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u304c\u4e00\u822c\u89e3 \u2014 \u30a4\u30e1\u30fc\u30b83\" style=\"width:100%;height:auto;display:block\" \/><figcaption style=\"text-align:center;font-size:0.85em;color:#666\">\u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4 \u4fdd\u967a \u2014 \u6c11\u9593\u4fdd\u967a + \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u304c\u4e00\u822c\u89e3 \u2014 \u30a4\u30e1\u30fc\u30b83<\/figcaption><\/figure>\n<h2>7. FAQ \u2014 \u4fdd\u967a\u307e\u308f\u308a\u306e\u3088\u304f\u3042\u308b\u7591\u554f 7 \u4ef6<\/h2>\n<h3>Q1: \u4fdd\u967a\u306f\u5fc5\u9808?<\/h3>\n<p>\u30d3\u30b6\u7533\u8acb\u306e\u5fc5\u9808\u8981\u4ef6\u3068\u3057\u3066\u3001\u6b6f\u79d1\u30fb\u598a\u5a20\u30ab\u30d0\u30fc\u542b\u3080\u533b\u7642\u4fdd\u967a\u3068\u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u306e 2 \u3064\u304c\u660e\u8a18\u3055\u308c\u3066\u3044\u307e\u3059 (\u51fa\u5178: japan.diplo.de)\u3002<\/p>\n<h3>Q2: \u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u4ed8\u5e2f\u4fdd\u967a\u3067\u3044\u3044?<\/h3>\n<p>\u88dc\u511f\u671f\u9593\u3068\u6b6f\u79d1\u30fb\u598a\u5a20\u30ab\u30d0\u30fc\u304c\u4e0d\u8db3\u3059\u308b\u30b1\u30fc\u30b9\u304c\u591a\u3044\u305f\u3081\u3001\u4e00\u822c\u7684\u306b\u30d3\u30b6\u7533\u8acb\u306b\u306f\u4e0d\u53ef\u3068\u8003\u3048\u308b\u306e\u304c\u5b89\u5168\u3067\u3059\u3002<\/p>\n<h3>Q3: \u516c\u7684\u4fdd\u967a\u306b\u306f\u5165\u308c\u306a\u3044?<\/h3>\n<p>\u30ef\u30fc\u30db\u30ea\u306f\u5c31\u52b4\u5951\u7d04\u30d9\u30fc\u30b9\u306e\u52a0\u5165\u6761\u4ef6\u3092\u6e80\u305f\u3057\u306b\u304f\u304f\u3001\u6c11\u9593\u4fdd\u967a\u304c\u73fe\u5b9f\u89e3\u306b\u306a\u308b\u30b1\u30fc\u30b9\u304c\u4e00\u822c\u7684\u3067\u3059\u3002<\/p>\n<h3>Q4: \u6708\u3044\u304f\u3089\u304b\u304b\u308b?<\/h3>\n<p>\u6c11\u9593\u4fdd\u967a\u3067\u6708 \u20ac30-\u20ac60 \u5e2f\u304c\u5e02\u5834\u76f8\u5834\u306e\u76ee\u5b89\u3001\u5e74\u9593 \u00a5150,000\u301c\u00a5250,000 \u7a0b\u5ea6\u304c\u60f3\u5b9a\u3055\u308c\u307e\u3059 (\u8981\u898b\u7a4d)\u3002<\/p>\n<h3>Q5: \u6b6f\u533b\u8005\u306b\u304b\u304b\u308c\u308b?<\/h3>\n<p>\u6c11\u9593\u4fdd\u967a\u5546\u54c1\u306e\u88dc\u511f\u7bc4\u56f2\u6b21\u7b2c\u3067\u3059\u3002\u4e0a\u9650\u984d\u30fb\u81ea\u5df1\u8ca0\u62c5\u3092\u52a0\u5165\u524d\u306b\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3>Q6: \u598a\u5a20\u6642\u3082\u30ab\u30d0\u30fc?<\/h3>\n<p>\u5927\u4f7f\u9928\u306f\u598a\u5a20\u6642\u30ab\u30d0\u30fc\u3092\u8981\u4ef6\u3068\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u5bfe\u5fdc\u5546\u54c1\u3092\u9078\u3076\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<h3>Q7: \u5e30\u56fd\u5f8c\u306e\u624b\u7d9a\u304d\u306f?<\/h3>\n<p>\u6c11\u9593\u4fdd\u967a\u306f\u89e3\u7d04\u624b\u7d9a\u304d\u3092\u884c\u3044\u307e\u3059\u3002\u672a\u4f7f\u7528\u671f\u9593\u306e\u8fd4\u91d1\u6709\u7121\u306f\u5546\u54c1\u6b21\u7b2c\u306e\u305f\u3081\u3001\u5951\u7d04\u6761\u9805\u3092\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<hr>\n<h2>8. \u307e\u3068\u3081 \u2014 \u4fdd\u967a\u9078\u3073\u306e 3 \u30b9\u30c6\u30c3\u30d7<\/h2>\n<ol>\n<li>\u5927\u4f7f\u9928\u8981\u4ef6 (\u6b6f\u79d1\u30fb\u598a\u5a20\u30ab\u30d0\u30fc + \u8ce0\u511f\u8cac\u4efb) \u3092\u6e80\u305f\u3059\u6c11\u9593\u4fdd\u967a\u3092 2-3 \u793e\u3067\u898b\u7a4d\u3082\u308a<\/li>\n<li>\u88dc\u511f\u4e0a\u9650\u30fb\u81ea\u5df1\u8ca0\u62c5\u30fb\u7533\u8acb\u8a3c\u660e\u66f8\u306e\u82f1\u72ec\u5bfe\u5fdc\u3067\u6bd4\u8f03<\/li>\n<li>\u6e21\u72ec\u5f8c\u306e\u5c31\u52b4\u5951\u7d04\u306b\u3088\u308b\u5207\u66ff\u306e\u53ef\u80fd\u6027\u3082\u8996\u91ce\u306b\u5165\u308c\u3064\u3064\u3001\u30ef\u30fc\u30db\u30ea\u671f\u9593\u4e2d\u306f\u6c11\u9593\u7d99\u7d9a\u3092\u57fa\u672c\u7dda\u306b<\/li>\n<\/ol>\n<p><strong>\u6b21\u306e\u4e00\u6b69<\/strong>: \u30cf\u30d6\u8a18\u4e8b\u300e<a href=\"\/worholi-doitsu\/\">\u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4<\/a>\u300f\u3078\u623b\u308b \/ \u95a2\u9023\u8a18\u4e8b: <a href=\"\/long-tail\/de-apply\/\">\u30d3\u30b6\u7533\u8acb\u624b\u9806<\/a>\u30fb<a href=\"\/long-tail\/de-cost\/\">\u8cbb\u7528\u8a73\u7d30<\/a>\u30fb<a href=\"\/worholi-doitsu\/#faq\">FAQ<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30ef\u30fc\u30db\u30ea \u30c9\u30a4\u30c4 \u4fdd\u967a \u2014 \u6c11\u9593\u4fdd\u967a + \u8ce0\u511f\u8cac\u4efb\u4fdd\u967a\u304c\u4e00\u822c\u89e3 \u2014 \u30a4\u30e1\u30fc\u30b81 1. \u7d50\u8ad6 \u2014 \u30ef\u30fc\u30db\u30ea \u30c9\u30a4 [&hellip;]<\/p>\n","protected":false},"author":105,"featured_media":349,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[46],"tags":[],"class_list":["post-352","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/posts\/352","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/users\/105"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/comments?post=352"}],"version-history":[{"count":1,"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/posts\/352\/revisions"}],"predecessor-version":[{"id":521,"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/posts\/352\/revisions\/521"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/media\/349"}],"wp:attachment":[{"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/media?parent=352"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/categories?post=352"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jawhm.or.jp\/blog\/europe\/wp-json\/wp\/v2\/tags?post=352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}