Social security and health insurance

No known agreement with Ghana; mandatory health insurance.

Social security agreement

No agreement. The German Pension Insurance list of agreement states (DRV) includes only Morocco and Tunisia in Africa, not Ghana. Without an agreement you pay German contributions as an employee, and periods are not added across countries. Details: ask the DRV.

Health insurance is mandatory

• Everyone living in Germany needs health insurance. Employees below an income threshold are in statutory health insurance (§ 5 SGB V). The 2026 threshold was not verified.
• The visa is issued only with proof of incoming health insurance (Visa and embassy).
• Students: statutory insurance or private; student rates not verified. Families: co-insurance of spouse and children depends on income.

Information: Make it in Germany.