As large numbers of displaced people arrived in 2015, some Schengen countries reintroduced border checks. Six are extending controls. That's illegal, EU observers say, and it undermines the idea of freedom of movement.

Getting by as a migrant without papers is certainly hard – but if you become sick, it can be much worse, even life-threatening. Where can you turn?

Getting work in Germany can be difficult, especially for migrants. Many end up working illegally, but if they are caught, the penalty can be as severe as prison or deportation.

Everybody gets sick sometimes or accidentally breaks things. That’s why health and private liability insurance are vital. But what do asylum seekers and recognized refugees need to bear in mind when taking out insurance in Germany?1