TestZen · Einbürgerungstest · Practice

100. Which of the following is not part of the statutory social insurance system?

Official German wording

Was gehört nicht zur gesetzlichen Sozialversicherung?

  1. die gesetzliche Rentenversicherung
  2. die Lebensversicherung
  3. die Arbeitslosenversicherung
  4. die Pflegeversicherung

Answer options

  1. statutory pension insurance
  2. life insurance
  3. unemployment insurance
  4. long-term care insurance

Correct answer

life insurance

Explanation

Under the Social Code, statutory social insurance comprises health (Book V), pension (Book VI), unemployment (Book III), accident (Book VII), and long-term care insurance (Book XI); it is characterized by solidarity, employer–employee cost sharing, and public-law self-administration. By contrast, life insurance is a private-law contract governed by the Insurance Contract Act (VVG), supervised by BaFin, and is not part of the pay-as-you-go system codified in the SGB. Constitutionally, the system is grounded in the social state principle in Arts. 20(1) and 28(1) of the Basic Law. Historically it derives from Bismarck’s social legislation (1883/84/89), with unemployment insurance added in 1927 and long-term care as the newest pillar since 1994.

Official sources

The German questions come from the original BAMF catalog for the Einbürgerungstest and Leben in Deutschland. Translations and explanations are study aids; verify legal details in the official sources.