1] Overview

At Camunda, we're dedicated to supporting every member of our global team with benefits that matter. Rooted in our core principles, our benefits program in Germany is designed to be competitive, transparent, and equitable, reflecting our commitment to enhancing the health, well-being, and security of our employees.

For our team members in Germany, we offer additional benefits that complement our global perks:

2] German Social Security System

Camunda, alongside its employees, contributes towards the state-mandated social security system, which includes:

  • State Pension: A step towards a secure retirement.
  • Health Insurance Scheme (Krankenkasse): Access to necessary healthcare services.

    • Health Insurance (Krankenkasse) Selection

      Overview

      As part of Germany's social security system, every employee must have health insurance coverage. In Germany, you select your own health insurance provider (Krankenkasse) and then register with them. This page outlines the process for selecting and registering with a health insurance provider as a Camunda employee.

      Available Providers

      You may choose from numerous public health insurance providers (gesetzliche Krankenkassen) including:

      • TK (Techniker Krankenkasse)
      • AOK
      • Barmer
      • DAK
      • Many others

      All statutory health insurance providers cover the legally required minimum benefits, but may differ in supplementary services, digital offerings, and customer support.

      Here you will find comprehensive information about each statutory health insurance company: detailed information on benefits, service, optional tariffs, supplementary insurance and more.

      Comparison Criteria

      When selecting a provider, consider:

      • Contribution rates (while base rates are standardized, supplementary rates may vary slightly)
      • Digital services and app functionality
      • Additional wellness programs and preventive care options
      • Availability of English-language support
      • Location of service centers

      Registration Procedure

      1. Select a provider based on your personal preferences and needs
      2. Complete the provider's registration form (most offer online application options)
      3. Receive your membership certificate from your chosen Krankenkasse
      4. Submit the certificate to the People Team:
        • The payroll team will then:
          • Ensure you are registered by the payroll team with the insurance provider as a Camunda employee
          • Configure the correct payroll deductions
          • Ensure Camunda pays the employer contribution directly to your chosen Krankenkasse

      Important Information

      • Health insurance coverage is mandatory from your first day of employment
      • Your health insurance automatically includes long-term care insurance (Pflegeversicherung)
      • Costs are shared between you and Camunda (approximately 50/50)
      • Your contributions will appear on your monthly pay slip
      • New employees to Germany should select and register with a Krankenkasse as soon as possible

      Changing your Krankenkasse

      • If you change your Krankenkasse at any point during your employment, please notify the People Team immediately through the #ask-people-team Slack channel to ensure your payroll deductions are updated correctly
  • Care in Old Age Insurance Scheme: Extra support in your later years.
  • Unemployment Insurance Scheme: Coverage during times of employment transition.

Details of each contribution are calculated monthly by payroll and clearly stated on your monthly pay-slip.

Further information can also be found on the Germany Trade & Invest Website.


3] Camunda Private Pension Scheme

After your probationary period, you can opt into our private pension plan, which offers:

Key features

  • Voluntary Contributions: Tailored to fit your financial planning.
  • Employer Match: To strengthen your pension, Camunda adds 20% to your contribution.
  • Easy Enrollment: People Operations will smoothly facilitate your participation in coordination with our pension partner.
  • Direct Insurance through Salary Conversion: Up to €322 per month can be converted tax- and social security-free, with an additional €322 tax-free.
  • Flexible Investment Options: Choose between different investment strategies.
  • Choice of Benefits: Select between lifelong annuity or one-off capital payment at retirement.
  • Survivors' Insurance: Coverage includes domestic partners.
  • Portability: You remain flexible - if you change employer, you can continue your contract privately or take it to your new employer.
  • Flyer- Here is some more detailed information 

Pension Broker: TPC

We've partnered with TPC (a division of MLP Finanzberatung SE) to provide enhanced pension services:

  • Modern Allianz Pension Plan: A state-of-the-art pension solution
  • Personalized Digital Platform: Manage your digitalized pension plan documents (Coming in the next few weeks!)
  • Free 1:1 Consultations: Available in English or German
  • Consultation Options: Online or in-person (Berlin)
  • Enhanced Employee Experience: Timely responses and support for informed decisions

Please reference the recording from the Informational Session led by our consultants Oliver & Jörg. 

English-Speaking Consultant:
Oliver Raubold
Email: oliver.raubold@mlp.de
Phone: +49 (0) 170 84 56 886
Book your individual session by scanning the QR code: 

Link to calendar: here

German-Speaking Consultant:
Jörg Deckarm
Email: joerg.deckarm@mlp.de
Phone: +49 (0) 172 63 52 909
Book your individual session by scanning the QR code or using the link

Link to calendar: here

  • New Camundi who become eligible for pension contributions 6 months after hire will have access to the new Allianz pension plan
  • Employees currently on the Zurich plan will maintain their existing coverage, now managed by TPC
  • Camundi who do not currently have a plan or would like to investigate porting their plan from another provider are encouraged to set up 1:1 consultations with TPC to explore their options. 

4] Pension Process

People Team:

See this playbook page: GmbH Pension: Process

DRT

Wesley Hattingh

On this Page


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Germany

Benefits

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