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Everything in Germany can be insured, and insurance becomes the god of protection in all aspects of life
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As an employee, you definitely have health insurance – either under the statutory health insurance system or as a member of a private health insurance.
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This system makes that your personal wealth, your personal property or yearly income doesn’t have any influence on your record ! You could be the richest man in the world but still have the worst record if you didn’t pay your bills. Just bear that in mind.​
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Negative records are impacting your score up to 3 years after you resolved your unpaid bills case and it can be kept as a “FYI side note” for up to 6 years overall. Here is a more detailed table.
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The company will track all bills or fines you might have left unpaid and put them in your credit record history. That’s why people say “SCHUFA” , they often mean the record held by the company.
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Blue card and legal person visa
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Citizen of any country can apply for a job in Germany but some nationals will have it more difficult than others to get it. This has to do with German foreign labour regulations.
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