Germany Benefits

As a Toku employee in Germany, you are covered by a comprehensive set of benefits - including both mandatory statutory protections required by German law and a supplemental health benefit provided by Toku above the legal floor.

This article gives you an overview of everything you're enrolled in, what's covered, and how to access your benefits.

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Your Benefits at a Glance

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Part 1: Statutory Benefits

Germany has one of the most comprehensive mandatory social protection systems in the world. As your employer, Toku is required by law to enroll you in and contribute to all of the following programs. You don't need to take any action - these are active from your first day of employment.

Health Insurance (Gesetzliche Krankenversicherung / GKV)

Germany's statutory health insurance system provides broad coverage for medical care, including GP and specialist visits, hospital treatment, prescribed medications, and more.

How it works:

• Your contribution is approximately 7.3% of your gross salary, matched by Toku as your employer
• An additional small premium (typically ~0.8 - 1.6%) is set by your individual health fund
• Contributions are deducted automatically from your monthly payslip Choosing your health fund:

You have the freedom to choose your own statutory health insurance provider (Krankenkasse). Some of the most popular options include:

You'll need to provide your Krankenkasse details when you're onboarded so that contributions can be correctly directed.

Private health insurance (PKV): If you have private health insurance instead of statutory insurance, please provide your policy document and monthly contribution amount during onboarding.

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Pension Insurance (Rentenversicherung)

Germany's statutory pension system provides retirement income, as well as disability and survivor's benefits.

• Your contribution is approximately 9.3% of your gross salary, matched by Toku
• Contributions are deducted automatically from your monthly payslip
• Your contributions build your entitlement to a state pension upon retirement

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Unemployment Insurance (Arbeitslosenversicherung)

Statutory unemployment insurance provides income support if you become unemployed.

• Your contribution is approximately 1.3% of your gross salary, matched by Toku
• Contributions are deducted automatically from your monthly payslip

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Long-Term Care Insurance (Pflegeversicherung)

Long-term care insurance covers nursing and care costs if you need ongoing support due to illness, disability, or age.

• Your contribution is approximately 1.7% of your gross salary, matched by Toku
• Contributions are deducted automatically from your monthly payslip

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Statutory Accident Insurance (Gesetzliche Unfallversicherung / VBG)

Germany requires all employers to provide statutory accident insurance for every employee. Toku covers this entirely at no cost to you — nothing is deducted from your salary.

What it covers:

• Accidents that happen at work
• Accidents during your commute to and from work
• Occupational diseases related to your work
• Rehabilitation and return-to-work support if you're injured You don't need to do anything - coverage is automatic from your first day of employment. If you ever experience a workplace or commuting accident, notify Toku as soon as possible so a claim can be filed on your behalf.

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Part 2: Supplemental Health Insurance - Hallesche FEELfree

In addition to your statutory health coverage, Toku provides a supplemental health insurance benefit through Hallesche Krankenversicherung. This coverage is designed to complement your statutory or private health insurance by giving you a flexible annual health budget for a wide range of additional healthcare services that aren't always fully covered by your standard plan.

This benefit is provided by Toku at no cost to you.

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Your Annual Health Budget

You can use your €1,500 budget flexibly throughout the year, across any of the eligible service categories below. There's no requirement to use it in one go or for a specific type of care.

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Eligibility & Enrollment

Employees are automatically enrolled in FEELfree on their employment start date, provided they are eligible for benefits in Germany.

• No medical questionnaires or underwriting required
• No waiting periods or exclusions
• Pre-existing conditions and ongoing treatments are covered No action is required from employees to activate coverage. Toku partners with Kota to provide a seamless benefits enrollment experience. Please note that Hallesche plans include a cool-off period. If you'd like to waive coverage, you can do so through your Toku Account under the Benefits tab within 16 days of the effective date. After that window closes, you won't be able to unenroll.

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What's Covered

• Prescription glasses, contact lenses, and prescription sunglasses
• Computer glasses with prescription
• Eye laser treatments (e.g., LASIK) - up to €180 per year
• Hearing aids, including new purchases or replacements
• Prescribed therapies such as physiotherapy, massages, and ergotherapy
• Medical aids including bandages, orthopedic insoles, glucose meters, and orthopedic shoes
• All prescribed medications and dressings (private or statutory prescriptions)
• Dental treatments including fillings, inlays, root canals, and periodontal treatments
• Dental prosthetics such as crowns, bridges, implants, and dentures
• Professional teeth cleaning and bleaching - up to €60 per year
• Treatments provided by alternative practitioners, including acupuncture and osteopathy

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How to Use Your Health Coverage

You may submit eligible expenses using one of the following methods:

• Hallesche4u App (recommended) - download from the App Store or Google Play
• Email your invoices to [email protected]
• Mail your invoices to Hallesche Krankenversicherung (Germany) Reimbursements are processed by Hallesche directly in accordance with the insurance policy terms.

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Hallesche Contact Information

For questions about coverage or to get support, employees can reach Hallesche directly using the contacts below.

For coverage and claims questions:

For health support and emergencies:

Gesundheitsportal: www.hallesche-gesundheitsportal.de — health tips, travel information, and more.

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Questions?

For any questions about your benefits, reach out to the Toku team through your Toku account or contact us at [email protected].