Private premiums (PKV) are based on your health/age at entry, but they rise significantly as you age.
No. If you are over 55, it’s almost impossible. If you are younger, you usually must earn below the income threshold (€69,300 in 2024) for a sign…
Yes, especially for dental. Public insurance (GKV) only covers basic "standard" care (metal fillings/extractions).
No. In the public system (GKV), your non-working spouse and children are covered for free under "Familienversicherung" as long as their own incom…
You don't have one yet. Your first German health insurance provider will automatically apply for it for you and send the "Rentenversicherungsnumm…
It’s not legally mandatory like car insurance, but it is "socially mandatory.
Yes, that’s exactly what it’s for. As long as it was an accident (negligence) and not "intentional" or "grossly negligent" (like being drunk), th…
Modern German apartments use "Zentralschließanlagen" (master key systems).
Your standard "Privathaftpflicht" usually covers you as a cyclist for any damage or injury you cause to others.
If you are in a furnished room, the big items aren't yours. However, this insurance covers YOUR stuff against fire, water damage, and "burglary"…
Standard "Hausrat" only covers items *inside* your flat. You need a specific "Fahrraddiebstahl" (bike theft) add-on to cover theft in public.
No. You cannot even register a car (Zulassung) without an "eVB-Nummer" (electronic insurance confirmation) proving you have liability coverage.
Yes, you can transfer your "SF-Klasse" (no-claims years). Many German insurers accept a formal English/German letter from your previous foreign i…
Teilkasko covers fire, theft, and glass. "Vollkasko" covers everything Teilkasko does PLUS damage to your own car caused by *you* in an accident.
No. Legal insurance is not "emergency help." It is a pre-emptive shield that must be active *before* the legal dispute begins.
No. Most legal insurance has a 3-month "Wartezeit" (waiting period). They will not cover any case that started before or during this window.
No. The state pension for "Erwerbsminderung" (reduced earning capacity) is very low and hard to get.
Gesetzliche Unfallversicherung only covers you at work and during your commute.
No. "Risiko" is only for a death payout to your family. "Kapitallebensversicherung" is an investment product, but currently offers very low retur…
Usually no. Most traditional German insurance contracts have a 3-month notice period before the end of the year (usually meaning you must cancel…
Most German insurance contracts include a "Stillschweigende Verlängerung" (tacit renewal) clause, automatically extending the term if not cancell…
No. If you are eligible for public insurance (GKV), they cannot reject you.
He is likely earning high commissions. While some insurance is vital, many "combined" or "savings" insurance products are unnecessary and overpri…
A "Makler" (broker) legally represents you and can compare many banks/insurers.
Be precise, stick to the facts, and never use words that imply "intent" (Vorsatz).
German law (Section 11 Paragraph 2 SGB V) requires insurance to have no payout limits and cover specific German "standard" services.
No. Travel insurance (like World Nomads) is only for tourists. For a residence permit, you need "full" health insurance that meets the "Pflichtve…
If you are privately insured (PKV), you must mail or upload the "Rechnung" (invoice) to your insurance app.
Only for a short time (usually 6-12 months). Once you are a "resident" (Anmeldung), you must register the car in Germany and get German "Kfz-Vers…
1. Health Insurance (Mandatory), 2. Personal Liability (Privathaftpflicht), and 3.
No, these are "Social Contributions." Unlike taxes, this money is "earmarked" for your specific pension, unemployment, health, and long-term care…