I am moving to Germany in a few weeks and I have learned sooooo much from your videos. I love how organized and to the point your content is. I just wanted you to know what a big help your videos have been to me. Thank you both!! You are amazing ❤️
Thank you. You cast light on many other insurance things, which I would have never thought about. Keep up doing this great work, your channel and web-site are really useful.
i came across your channel today and today itself got myself a liability insurance which i have been putting off for 5 years due to no information or fearing the research work about it. Thank you!
I'm from Trinidad and Tobago and I started watching your videos a year ago when I was preparing to move to Freiburg for studies. I really appreciate the information you guys put together. Was hoping you would've mentioned glasses insurance though 🤓😅
Your videos are gems💎Thank you so much for providing this! Inshallah, I will be in German in Oct 2024 and I have decided to purchase these 6 insurances which I think will be important for me: 1. Health insurance (mandatory). 2. Personal liability insurance. 3. Home contents insurance. 4. Legal insurance. 5. Accident insurance. 6. Bicycle insurance (will try to get it with Home contents insurance).
I enjoyed the video and I saved it too. Been living in Germany for 8 years now with no insurance except the public health insurance, i didn't even know all these insurances existed 🤦🏽♀️ thanks once again
@@ebbyc1817 Many expats feel the same way:) I advise expats in Germany regarding private pension plans and retirement planning and I hear this statement al lot:) Especally then we talk about how you can save taxes, it is always "I wish I knew this already 5 years ago"
Really interesting video, even as a German to compare the prices. What I'm missing is the fact that many of these insurances come in packages and options for wealth-creation. Meaning that if you do not need the insurance, you will get at least the money you paid all the years back. It's like they are managing your money investing in stock market. One example could be BU + retirement + life insurance, so either you could get pension after 6 months not being able to work or additional retirement or your family will get the money.
Thank you again Jen and Yvonne! really, your channel helps people like me a lot! I visit your channel from time to time, but more often when I have questions about stuff here in Germany. Thank you and happy Holidays!
It's really important to have the BU (disability insurance) as young as possible, bc they really can deny you their service based on your medical history. For me as a person with lots of therapy and some mental health diagnoses I could still get a BU but they wouldn't cover in any case of mental illness.
So you're saying that what makes it so much advisable to seek it the younger the better, is the prospect of more medical history, not your age in itself. I for example, knock on wood, haven't had any medical history of illnesses (aside from catching cold every now and then), and I'm already a bit past my 30's. Will that make it difficult for me to get just based on my age?
@@miem9775 Thank you, and I hope in the end it all works well for you, in spite and despite all challenges you've been facing. Looks like we have a real fighter here! 🙂
It’s turning out to be tough to get a software engineer job in Deutschland from the US. Even with a disability! I was asked for a Schwerbehindertenausweis!
Sorry to read you’re having a tough time finding a job. To be honest, we don’t have much experience with the disability certificate you refer to. Is your disability certificate from the USA not being accepted? In another note, arbeitnow (www.arbeitnow.com) has job openings in English. Might be worth a try applying to jobs listed there.
I'm 1.5 years in Germany. When I came I entered Haftpflichtversicherung, as was advised by the colleges and Hausratversicherung with bikes option as I bought to 2 ebikes 2k+€ each (and they actually were stolen). By today I have opened Rechts-, Zahn- and Berufsunfähigkeitsversicherung. Turning into a German 😂
Thank you for yet another super useful video! Love the new studio, and the sound is great ;) Maybe a tip - do compare health insurances on check24 or something, I also opted for TK when I just arrived to Germany (was told it's the one everyone gets), but compared the companies later and realized there are other companies, that offer more and... cost less! Saved 10Eur a months (hello Disney+ :D) and get my teeth cleaning partially covered, too!
Super informative video, thanks. Two small questions: 1. While living as a tenant in Germany, if there are any damages in my house(e.g. molds or wooden floor damage), which insurance covers it? 2. If there are damages caused in other apartment of my building due to e.g. water leakage from my apartment, is it private liability insurance that covers this situation?
@@simplegermany 2. "leakage" is not specified here in more details. In case e.g. bath tub is overruning as not paying enough attention to it private liability insurance might take over. Any defect on fresh- and/or sewage water pipes causing overflow (in other appartments) is in responsability of the owner of the house/appartment. "Gebäudeversicherung" (building insurance) should cover it. So, this is not in responsibility of the tenant. Owners often try to blame it to their tenants anyway. Be aware!
Also do not forget private pension insurance, as what you get from the government pension system is very low. In many cases you can even save taxes with that. Just recently made a video about this on my channel, feel free to check it out.
Hi @simpleGermany -do you have a video on health care insurance? / medical aid? how much does it cost etc, what are the best options for a young professional expat starting out in Germany (25 years old)
We recently made a video about that on our channel. Also with the possibility to talk to an expert, who can compare all the insurance companies in Germany. Feel free to check it out.
My advice: make sure you apply welllll in advance to the health insurance. Like more than 2 weeks. I thought I could apply and have insurance by the end of the week. Not so. Unfortunately I did not qualify for Ottonova so now I am scrambling to apply to some other insurances and they all have a wait for 5-7 business days after submitting!
With private health insurance it can indeed take longer due to the health checks. Have you talked to our partner Feather Insurance? They help a lot with the involved bureaucracy: www.simplegermany.com/feather-health-yt/
I got my teeth fixed already for my arrival in September and will do as my cousins do: When I visit Honduras, I'll get my eyes and teeth checked for cheaper prices. xD
one question, although not on below topic, about driving license, can we change driving school? any idea about a good driving school which could help in English (in Dusseldrof) please?
Changing driving schools is definitely possible. There is no legal reason why you shouldn't be able to switch a driving school. Finding one who teaches in English may be a bit more difficult, depending on where you live. Düsseldorf as a fairly large city should not be toooo difficult, but then again, it's been a long time since I lived there.
Hello ! My company provide betriebliche Altersvorsorge (Direktversicherung). But for benefit that they have told me I need 'pension scheme insurance' first. Can you also give information about that? Where can I make this insurance and would it worth? Also the video about the benefits companies provide would be great :)) . For example my company also offer , Vertrag über vermögenswirksame Leistungen (VWL).
First of all thanks for the video and all the content you share is this channel! Lots of value information. After this video I actually did some insurances and I went with your suggestion for GetSafe but their service is just horrible. It looks like a scam honestly. There are no phone numbers and they don’t reply to the emails I sent weeks ago. Obviously this is not your fault, but just so you know, because maybe you’re putting your hands in the fire for a company that doesn’t care about the new customers you’re bringing. I wouldn’t like that. Keep going with the great job your doing though!
Wow that’s the first time we hear such a horrible experience! Thanks for letting us know. We will look into this. Have you tried to see if the answers might have landed in your junk/spam folder? Also sometimes with gmail the answers land in the “promotions” tab.
@@simplegermany Yes, I checked the spam folder. After giving a bad review on Google a couple days ago, they finally contacted me back. It is just not a nice situation to deal with, especially when it is related to money. But again, this has nothing to do with you. I just wanted to let you know that there are people in the same situation as me and that you're maybe not aware of it. Anyway, keep doing the awesome work you're doing, really! It is much appreciated.
Thanks for letting us know! Glad they got back to you. Sorry to read it took a bad Google review to achieve a response. Will definitely try to find what's going on :)
Very Nice!❤ I am paying already for Mieterverein(Tenants Association). Do I still need to get Legal insurance? Is immigration related problems are also covered in legal insurance?(Visa, Ausländerbehorde, etc) Thanks.
Great content as always! So, out of curiosity, if I live in a rented flat with my cats and they scratch the landlord's property, would that be covered by my liability insurance?
Hey, thank you for your hard work. Can we switch from public to other public insurance if we are unsatisfied with one's services? How can we do it? And what are the processes and requirements?
Hey, yes you can change between public health insurance providers. Just check with your current one what is the minimum amount you have to be with them. Most public health insurance require that you are with them 24 or 48 months. If you have already completed that time, you just need to sign-up to the new one and they will cancel your contract with the old health insurance provider. Another choice, is to contact the new public health insurance provider and ask them if you can sign-up with them :) hope that helps!
Hi, is it possible to get both public healthcare insurance and private? Reason I asked is because I have pre-existing condition and I want whatever is not covered by public insurance to be covered by private.
Could you please elaborate on information about health insurance add-ons? In my country, people are insured by law as long as they are employed. However, it is possible to purchase add-ons for additional, better, or higher-quality services. I was wondering if something similar exists in Germany, where someone insured publicly (in my case by TK) could purchase add-ons such as a private room in a hospital or quicker access to specialists, similar to private insurance.
You can buy add ons or switch to a private health insurance, where you have better and faster treatment. You have to be healthy and make over 7k/year to join though. I just recently made a video about that on my channel.
Normaly, your toddlers are included, but better ask. My insurance includes every underaged child that lives in my household and toddlers under my surveillance.
It should be mentioned that public/statiutory health insurance automatically and without extra charge(!) covers your children and non-working husband/wife. Private insurances will charge extra for that.
Vielen Dank für Ihres Video! Könnten Sie bitte auch über Online Auswisefunktionen erzählen? Wie funktioniert diese E-Gov-Dienste? Ich bekomme ein Paar Briefen darüber und weiß nicht ob überhaupt man das braucht.
Thanks for your suggestion! To be honest, we’ve never enabled it and have not needed it so far. We can look into it for a future video. Maybe we might learn something as well 😋
Hello, thank you for the video :). I am living in Germany and I have a question. I have checked the "Hausratversicherung" and the "Wohngebäudeversicherung". As I am renting a furnished apartment and I don't own any valuable stuff I currently don't have a Hausratversicherung. But I was wondering in case the apartment catches fire because of me cooking or flood because of me taking a shower, do I need a Hausratversicherung, or the Wohngebäudeversicherung of the owner is enough and I wouldn't need to pay for the repair ? Thank you
If you damage your rented flat, your liability insurance should be the one to cover. You can read all about it here: www.simplegermany.com/best-liability-insurance-germany/ or watch our video on liability insurance: th-cam.com/video/pMD2QKgLPBA/w-d-xo.html
Thanks for the great videos. Can you guys also make more videos about pets? For example I wonder how is the pet sitting there? I'd like to leave my dog in good hands if I have to go to travel without her. Also a video about veterinarian price maybe.
You can leave your pet it official pet pensions while you are in holiday or find a pet friend once you are here. Hundelieb is an app to find people nearby who would like to take care of other dogs. 😊
I assume you mean the 8% thing within the paycheck taxes. As a Bulgarian myself too, first I feel you.. But are you sure you mean 135 EUR and not BGN? Because then you must be getting paid waay above average (for our standards). 🙂
@@fannychristozova8158 I'm sure. :) It's 8% of the income (if you tend to use sick leave, otherwise it is 7%), but since mine is above 2000EUR the amount for health insurance is 135€/month. As a Bulgarian, you're probably aware that we get almost nothing for that money when we need medical treatment.
@@angelzhelyazkov Yes!! Angel, I couldn't agree more. The pitiful truth is it all *looks* like a working healthcare system, but it feels like a mockery. Sorry if I was being a little edgy to you, just your first comment sounded to me maybe a bit misleading for someone who hasn't experienced life in Bulgaria. 🙂 I'll be moving to Germany towards the fall and I know there will be a few hurdles and perhaps excessive carefulness around, but in the end of the day all that matters is to finally know my worth and live in a mirrоr-like envirоnment, which Germany is - the way people and counry treat you will be a reflection of your attitude and your efforts, in stark contrast to our 'мила родина'. 😜
Oh I just found out you speak spanish. Sabes si es posible cambiar de seguro de coche si lo acabo de contratar? Lo contraté hace 2 semanas más o menos. O ya no es posible cambiar y tengo que esperar el año entero? Que es lo que dura el contrato.
Is it a good idea to get all the insurances from a single company to ease the management? and just get the legal insurance from another provider so that in case of any dispute regarding insurance cover, there won't be any conflict of interest?
That is really up to you :) There is no right or wrong way. You can compare terms and conditions for each insurance you want and base your decision on that :)
Hi I’m student had 2 year study program last year had contract with tk now I turned in 30 the contribution got doubled 239 euro it’s pretty expensive for me . Should I apply private now and may I have best private insurance. Can u tell me
Hello Dear Simple Germany, I started using Get Safe on the basis of your videos, of course it's up to me which one I decided, however I wanted to share my experience, they are not very responsive no explanations of the procedure, no call backs, experience so far very frustrated, just in case you want to have an opinion of a consumer of expat insurance. Mit freundlichen Grüßen Dr. Fran
Thanks for sharing and sorry to hear you haven't had a positive experience so far. Do you mind expanding a bit more on what you mean exactly with 'no explanations of the procedure'?
Oh, sorry @chellastation1676 I had totally not seen that Getsafe does offer dental. Here you can find more information: www.simplegermany.com/getsafe-dental/
Great videos! I am a German-turned Canadian because I chose Canadian citizenship after I married in Canada but my children who were born when I was still a German, all have the German passport. The younger children don't, because I was Canadian when they were born. So now one of my daughters with dual citizenship is moving to Germany after she got her Masters in violin performance and is planning to audition at orchestras. So health insurances seems a bit complicated initially, before she has a job. Do you know if she can get Expat Insurance as a dual citizen? Someone told me Germans can't get it but she is also Canadian? Thank you and I will get her to subscribe to your channel!
Hey Ladies 👋 I Have a question please, hoping you know about this. I am signed up to public insurance with Barmer, and recently had to remove my wisdom tooth which is covered usually by public insurance. But before the surgery they had to do a 3D scan which was necessary before the operation, and they did tell me this is NOT covered usually by the public insurance but rather the private. However, i was told by friends that still because this 3D scan is technically part of the operation and such, then after i pay for the scan i can send my invoice and proof of payment to the insurance company and they should reimburse. 2 at least told me have done the same. Is this really possible?
The coverage in the public insurance just keeps getting worse and worse. If you have the possibillity (healthy + 70k+ salary) I would consider switching to private health insurance. We recently made a video about this, also with the possibility to speak to an expert that compares all the private health insurances in Germany and helps you make the right choice, feel free to check it out.
I also should menton that I think this is the first full video I saw in your new office and I just noticed the acoustics are very different from the other videos in your previous (attic?) setup. Not bad just different to the ears. Was that an intended effect?
Yeah, the office had a very strong echo. We’ve done our best to reduce it with some carpeting, acoustic panels, and a new mic. This insurance video and the one coming out today did not have all the improvements yet.
Best insurance is not to buy that of a costly mobile. ;-) I've never paid more than 300 bucks for a mobile. That aside, i would be way more intimidated about my credentials getting abused/stolen than about the mobile itself. That's the least you'd have to worry, when a steal would actually happen.
Life insurance agencies will be happy to address your question. Have you tried asking it with this exact phrasing first, before pooping it here? (oops, the Ginger is correcting me to mean 'popping' it')
Considering that roughly of the roughly 60million 'lab rats' who've been vaccinated there have been only a very tiny minority with long term side effects the life insurances are still going to be very very happy with the vaccinations. Because life insurances also have to pay for death by disease. Here it boils down to the cost-and-effect calculations. The number of people with long term side effects is startlingly small, compared to standard vaccinations. With the roughly 4.5 BILLION people already vaccinated, the total number of long term side effects all around the planet are still number in only the hundreds of cases. If you take how many lives were saved, and how many lives have NOT had to suffer from long covif effects, the life insurances will be falling to their knees in praise of the vaccines. So please, get off your conspiracy trip, find real information, and stop spinning the stupid narrative. It's already been a dead horse when it was started. It is currently definitely in the 'decomposing' time frame.
![Private or Public Health Insurance in Germany [Which One To Choose?]](http://i.ytimg.com/vi/M4WyXxSoe1I/mqdefault.jpg)
![Private or Public Health Insurance in Germany [Which One To Choose?]](/img/tr.png)
I am moving to Germany in a few weeks and I have learned sooooo much from your videos. I love how organized and to the point your content is. I just wanted you to know what a big help your videos have been to me.
Thank you both!! You are amazing ❤️
Thank you. You cast light on many other insurance things, which I would have never thought about. Keep up doing this great work, your channel and web-site are really useful.
Ladies this was a great, correct and very informaty video! Well done. And yes, get the Hausratversicherung. It's worth the money!
i came across your channel today and today itself got myself a liability insurance which i have been putting off for 5 years due to no information or fearing the research work about it. Thank you!
I'm from Trinidad and Tobago and I started watching your videos a year ago when I was preparing to move to Freiburg for studies. I really appreciate the information you guys put together. Was hoping you would've mentioned glasses insurance though 🤓😅
You’re my favorite new couple on TH-cam. Love your simplicity and decency
Your videos are gems💎Thank you so much for providing this!
Inshallah, I will be in German in Oct 2024 and I have decided to purchase these 6 insurances which I think will be important for me:
1. Health insurance (mandatory).
2. Personal liability insurance.
3. Home contents insurance.
4. Legal insurance.
5. Accident insurance.
6. Bicycle insurance (will try to get it with Home contents insurance).
Fantastic, you sound like you are well prepared 😊
@@simplegermany I got the visa and came here to check which insurances I had decided to purchase!
I enjoyed the video and I saved it too. Been living in Germany for 8 years now with no insurance except the public health insurance, i didn't even know all these insurances existed 🤦🏽♀️ thanks once again
Girl me too! 5 years. No insurance. Now I feel embarrassed for something I never had and never thought I needed.
@@ebbyc1817 Many expats feel the same way:) I advise expats in Germany regarding private pension plans and retirement planning and I hear this statement al lot:) Especally then we talk about how you can save taxes, it is always "I wish I knew this already 5 years ago"
Really interesting video, even as a German to compare the prices. What I'm missing is the fact that many of these insurances come in packages and options for wealth-creation. Meaning that if you do not need the insurance, you will get at least the money you paid all the years back. It's like they are managing your money investing in stock market. One example could be BU + retirement + life insurance, so either you could get pension after 6 months not being able to work or additional retirement or your family will get the money.
Thank you again Jen and Yvonne! really, your channel helps people like me a lot! I visit your channel from time to time, but more often when I have questions about stuff here in Germany. Thank you and happy Holidays!
It's really important to have the BU (disability insurance) as young as possible, bc they really can deny you their service based on your medical history. For me as a person with lots of therapy and some mental health diagnoses I could still get a BU but they wouldn't cover in any case of mental illness.
Yes, very true.
So you're saying that what makes it so much advisable to seek it the younger the better, is the prospect of more medical history, not your age in itself. I for example, knock on wood, haven't had any medical history of illnesses (aside from catching cold every now and then), and I'm already a bit past my 30's. Will that make it difficult for me to get just based on my age?
@@fannychristozova8158 As far as I know, it just depends on the medical history.
@@miem9775 Thank you, and I hope in the end it all works well for you, in spite and despite all challenges you've been facing. Looks like we have a real fighter here! 🙂
I missed getting this young and I really regret it!!!
Please make a video in ''Duales Studium''. Discuss all details and all requirements for foreign students.
Great video! So much useful information for our upcomming move to Dusseldorf. Lo aprecio mucho!
It’s turning out to be tough to get a software engineer job in Deutschland from the US. Even with a disability! I was asked for a Schwerbehindertenausweis!
Sorry to read you’re having a tough time finding a job. To be honest, we don’t have much experience with the disability certificate you refer to. Is your disability certificate from the USA not being accepted?
In another note, arbeitnow (www.arbeitnow.com) has job openings in English. Might be worth a try applying to jobs listed there.
I'm 1.5 years in Germany. When I came I entered Haftpflichtversicherung, as was advised by the colleges and Hausratversicherung with bikes option as I bought to 2 ebikes 2k+€ each (and they actually were stolen). By today I have opened Rechts-, Zahn- and Berufsunfähigkeitsversicherung. Turning into a German 😂
Thank you for yet another super useful video! Love the new studio, and the sound is great ;)
Maybe a tip - do compare health insurances on check24 or something, I also opted for TK when I just arrived to Germany (was told it's the one everyone gets), but compared the companies later and realized there are other companies, that offer more and... cost less! Saved 10Eur a months (hello Disney+ :D) and get my teeth cleaning partially covered, too!
Number of insurances in our household - 6 :D Health, liability, home contents, legal, travel, car.
I have the following insurance policies -
1. Health Insurance
2. Rechtsschutz
3. Privathaftpflicht
4. Hausrat
5. Travel Insurance
6. Krankenversicherung (Auslandschutz - Envivas)
7. Private Accident Insurance (Auslandschutz)
That reads like a good list 😁
That's so much, the mail alone & amount of paperwork I'd receive if I has all thise would drive me insane
And how much does that cost ?
Hey guys, this is really a good video! Thanks for making!
True, my friend
Feather also offers dental insurance btw :)
Super informative video, thanks. Two small questions:
1. While living as a tenant in Germany, if there are any damages in my house(e.g. molds or wooden floor damage), which insurance covers it?
2. If there are damages caused in other apartment of my building due to e.g. water leakage from my apartment, is it private liability insurance that covers this situation?
1. That highly depends. In our research, we found that mold is typically not covered by insurance but it depends on the case.
2. Yes!
@@simplegermany 2. "leakage" is not specified here in more details.
In case e.g. bath tub is overruning as not paying enough attention to it private liability insurance might take over.
Any defect on fresh- and/or sewage water pipes causing overflow (in other appartments) is in responsability of the owner of the house/appartment. "Gebäudeversicherung" (building insurance) should cover it. So, this is not in responsibility of the tenant. Owners often try to blame it to their tenants anyway. Be aware!
If you rent the place the owner is responsible. So the owner needs to have insurance
Video quality is getting better NICE!
Also do not forget private pension insurance, as what you get from the government pension system is very low. In many cases you can even save taxes with that. Just recently made a video about this on my channel, feel free to check it out.
#AdvertismentForOwnProducts 👎👎👎
Just used your link to purchase liability insurance and will be purchasing more policies. Unbelievable how inexpensive coverage is!
Hi @simpleGermany -do you have a video on health care insurance? / medical aid? how much does it cost etc, what are the best options for a young professional expat starting out in Germany (25 years old)
We have a guide which explains health insurance in Germany in depth: www.simplegermany.com/private-vs-public-health-insurance-germany/ 😊
We recently made a video about that on our channel. Also with the possibility to talk to an expert, who can compare all the insurance companies in Germany. Feel free to check it out.
For health, TK is best
please make a video of AUSBILDUNG for international students
What are your questions?
Hi Jen and Yvonne, do you have videos what Rechtsversicherung Company do you recommend for us Foreigners?
You can find our up-to-date about legal insurance in Germany here: www.simplegermany.com/legal-insurance-germany/
My advice: make sure you apply welllll in advance to the health insurance. Like more than 2 weeks. I thought I could apply and have insurance by the end of the week. Not so. Unfortunately I did not qualify for Ottonova so now I am scrambling to apply to some other insurances and they all have a wait for 5-7 business days after submitting!
With private health insurance it can indeed take longer due to the health checks. Have you talked to our partner Feather Insurance? They help a lot with the involved bureaucracy: www.simplegermany.com/feather-health-yt/
This is an incredible video. Thank you ❤❤
I got my teeth fixed already for my arrival in September and will do as my cousins do: When I visit Honduras, I'll get my eyes and teeth checked for cheaper prices. xD
Eye and teeth checkups are free in Germany thanks to health insurance 😉
one question, although not on below topic, about driving license, can we change driving school? any idea about a good driving school which could help in English (in Dusseldrof) please?
It should be possible to change driving schools. This website lists English driving schools: www.clickclickdrive.de/en/
Changing driving schools is definitely possible. There is no legal reason why you shouldn't be able to switch a driving school.
Finding one who teaches in English may be a bit more difficult, depending on where you live.
Düsseldorf as a fairly large city should not be toooo difficult, but then again, it's been a long time since I lived there.
Hello !
My company provide
betriebliche Altersvorsorge (Direktversicherung). But for benefit that they have told me I need 'pension scheme insurance' first. Can you also give information about that? Where can I make this insurance and would it worth?
Also the video about the benefits companies provide would be great :)) . For example my company also offer , Vertrag über vermögenswirksame Leistungen (VWL).
First of all thanks for the video and all the content you share is this channel! Lots of value information.
After this video I actually did some insurances and I went with your suggestion for GetSafe but their service is just horrible. It looks like a scam honestly. There are no phone numbers and they don’t reply to the emails I sent weeks ago.
Obviously this is not your fault, but just so you know, because maybe you’re putting your hands in the fire for a company that doesn’t care about the new customers you’re bringing. I wouldn’t like that.
Keep going with the great job your doing though!
Wow that’s the first time we hear such a horrible experience! Thanks for letting us know. We will look into this.
Have you tried to see if the answers might have landed in your junk/spam folder? Also sometimes with gmail the answers land in the “promotions” tab.
@@simplegermany Yes, I checked the spam folder. After giving a bad review on Google a couple days ago, they finally contacted me back. It is just not a nice situation to deal with, especially when it is related to money. But again, this has nothing to do with you. I just wanted to let you know that there are people in the same situation as me and that you're maybe not aware of it. Anyway, keep doing the awesome work you're doing, really! It is much appreciated.
Thanks for letting us know! Glad they got back to you. Sorry to read it took a bad Google review to achieve a response. Will definitely try to find what's going on :)
Very Nice!❤ I am paying already for Mieterverein(Tenants Association). Do I still need to get Legal insurance?
Is immigration related problems are also covered in legal insurance?(Visa, Ausländerbehorde, etc)
Thanks.
Great content as always!
So, out of curiosity, if I live in a rented flat with my cats and they scratch the landlord's property, would that be covered by my liability insurance?
Normally cats are included in the private liability policy. However, it’s best for you to ask directly to the insurance company.
👍👍👍👍
❤ Simple Germany ❤
Insurances, nice to have! But not more.
Hey, thank you for your hard work. Can we switch from public to other public insurance if we are unsatisfied with one's services? How can we do it? And what are the processes and requirements?
Hey, yes you can change between public health insurance providers. Just check with your current one what is the minimum amount you have to be with them. Most public health insurance require that you are with them 24 or 48 months. If you have already completed that time, you just need to sign-up to the new one and they will cancel your contract with the old health insurance provider. Another choice, is to contact the new public health insurance provider and ask them if you can sign-up with them :) hope that helps!
Hi, is it possible to get both public healthcare insurance and private? Reason I asked is because I have pre-existing condition and I want whatever is not covered by public insurance to be covered by private.
Could you please elaborate on information about health insurance add-ons? In my country, people are insured by law as long as they are employed. However, it is possible to purchase add-ons for additional, better, or higher-quality services. I was wondering if something similar exists in Germany, where someone insured publicly (in my case by TK) could purchase add-ons such as a private room in a hospital or quicker access to specialists, similar to private insurance.
You can buy add ons or switch to a private health insurance, where you have better and faster treatment. You have to be healthy and make over 7k/year to join though. I just recently made a video about that on my channel.
Great video! I have one question. Will Privathaftpflicht Versicherung cover any damage made by my toddler or should I get a separate one for him?
Normaly, your toddlers are included, but better ask. My insurance includes every underaged child that lives in my household and toddlers under my surveillance.
Yes, you can insure your family under the same policy. You will have the option to add your family members when signing up. 😊
It should be mentioned that public/statiutory health insurance automatically and without extra charge(!) covers your children and non-working husband/wife. Private insurances will charge extra for that.
Vielen Dank für Ihres Video! Könnten Sie bitte auch über Online Auswisefunktionen erzählen? Wie funktioniert diese E-Gov-Dienste? Ich bekomme ein Paar Briefen darüber und weiß nicht ob überhaupt man das braucht.
Thanks for your suggestion! To be honest, we’ve never enabled it and have not needed it so far. We can look into it for a future video. Maybe we might learn something as well 😋
Thank you for this very informative video
🤗🤗💕💕
Hello, thank you for the video :). I am living in Germany and I have a question. I have checked the "Hausratversicherung" and the "Wohngebäudeversicherung". As I am renting a furnished apartment and I don't own any valuable stuff I currently don't have a Hausratversicherung. But I was wondering in case the apartment catches fire because of me cooking or flood because of me taking a shower, do I need a Hausratversicherung, or the Wohngebäudeversicherung of the owner is enough and I wouldn't need to pay for the repair ? Thank you
If you damage your rented flat, your liability insurance should be the one to cover. You can read all about it here: www.simplegermany.com/best-liability-insurance-germany/ or watch our video on liability insurance: th-cam.com/video/pMD2QKgLPBA/w-d-xo.html
Thanks for the great videos. Can you guys also make more videos about pets? For example I wonder how is the pet sitting there? I'd like to leave my dog in good hands if I have to go to travel without her. Also a video about veterinarian price maybe.
You can leave your pet it official pet pensions while you are in holiday or find a pet friend once you are here. Hundelieb is an app to find people nearby who would like to take care of other dogs. 😊
great useful content always how do you manage it?🤗
Thanks Andreea! It’s our goal to create the best and most accurate content for you 😊
Oh, I pay 135€/month for public health insurance (it is mandatory) in Bulgaria. And that's just for me. 😕
I assume you mean the 8% thing within the paycheck taxes. As a Bulgarian myself too, first I feel you.. But are you sure you mean 135 EUR and not BGN? Because then you must be getting paid waay above average (for our standards). 🙂
@@fannychristozova8158 I'm sure. :)
It's 8% of the income (if you tend to use sick leave, otherwise it is 7%), but since mine is above 2000EUR the amount for health insurance is 135€/month. As a Bulgarian, you're probably aware that we get almost nothing for that money when we need medical treatment.
@@angelzhelyazkov Yes!! Angel, I couldn't agree more. The pitiful truth is it all *looks* like a working healthcare system, but it feels like a mockery. Sorry if I was being a little edgy to you, just your first comment sounded to me maybe a bit misleading for someone who hasn't experienced life in Bulgaria. 🙂 I'll be moving to Germany towards the fall and I know there will be a few hurdles and perhaps excessive carefulness around, but in the end of the day all that matters is to finally know my worth and live in a mirrоr-like envirоnment, which Germany is - the way people and counry treat you will be a reflection of your attitude and your efforts, in stark contrast to our 'мила родина'. 😜
Oh I just found out you speak spanish. Sabes si es posible cambiar de seguro de coche si lo acabo de contratar? Lo contraté hace 2 semanas más o menos. O ya no es posible cambiar y tengo que esperar el año entero? Que es lo que dura el contrato.
You need to check your T&Cs. If the Wideruf period is already passed, we would guess that you have to keep the contract for its duration.
I'm a working professional and would like to choose a public health insurance. Could you please help me choose between TK and SBK health insurance?
For personal health insurance advice, you can use the recommendation tool from our partner Feather: www.simplegermany.com/feather-health-insurance/
One issue I’m having is finding a health insurance option that covers preexisting conditions. I have HIV so, I need access to medication 💊.
Public health insurance covers all pre existing conditions. So you can look into that ☺️
Is it a good idea to get all the insurances from a single company to ease the management? and just get the legal insurance from another provider so that in case of any dispute regarding insurance cover, there won't be any conflict of interest?
That is really up to you :) There is no right or wrong way. You can compare terms and conditions for each insurance you want and base your decision on that :)
Hi I’m student had 2 year study program last year had contract with tk now I turned in 30 the contribution got doubled 239 euro it’s pretty expensive for me . Should I apply private now and may I have best private insurance. Can u tell me
Yvonne is just gorgeous 😍
Hello Dear Simple Germany, I started using Get Safe on the basis of your videos, of course it's up to me which one I decided, however I wanted to share my experience, they are not very responsive no explanations of the procedure, no call backs, experience so far very frustrated, just in case you want to have an opinion of a consumer of expat insurance.
Mit freundlichen Grüßen
Dr. Fran
Thanks for sharing and sorry to hear you haven't had a positive experience so far. Do you mind expanding a bit more on what you mean exactly with 'no explanations of the procedure'?
Does legal insurance also cover the use of immigration lawyers within Germany (when dealing with the notorious auslanderbehorde for example)?
That’s a good question ☺️ I’d say every legal insurance is different so you could contact them and ask.
Shout out to Clean Code hahaha
I got acl injury. will german insurance cover my surgery cost??
If it happened while you were living in Germany, they should, yes. But your doctor and insurance can let you know for sure 😊
Why does Getsafe doesn't cover dental? 🤔
Oh, sorry @chellastation1676 I had totally not seen that Getsafe does offer dental. Here you can find more information: www.simplegermany.com/getsafe-dental/
Thanks a million
❤❤❤❤
If only there were an "emotional heartbreak" insurance😊
😅
Great videos! I am a German-turned Canadian because I chose Canadian citizenship after I married in Canada but my children who were born when I was still a German, all have the German passport. The younger children don't, because I was Canadian when they were born. So now one of my daughters with dual citizenship is moving to Germany after she got her Masters in violin performance and is planning to audition at orchestras. So health insurances seems a bit complicated initially, before she has a job. Do you know if she can get Expat Insurance as a dual citizen? Someone told me Germans can't get it but she is also Canadian? Thank you and I will get her to subscribe to your channel!
Oops, I just got my answer, thanks to one of your recommendations (feather). Again, thank you so much for sharing your experiences and wisdom!
Why do you need the first two
Hey Ladies 👋
I Have a question please, hoping you know about this. I am signed up to public insurance with Barmer, and recently had to remove my wisdom tooth which is covered usually by public insurance. But before the surgery they had to do a 3D scan which was necessary before the operation, and they did tell me this is NOT covered usually by the public insurance but rather the private. However, i was told by friends that still because this 3D scan is technically part of the operation and such, then after i pay for the scan i can send my invoice and proof of payment to the insurance company and they should reimburse. 2 at least told me have done the same. Is this really possible?
Are you happy with Barmer?
The coverage in the public insurance just keeps getting worse and worse. If you have the possibillity (healthy + 70k+ salary) I would consider switching to private health insurance. We recently made a video about this, also with the possibility to speak to an expert that compares all the private health insurances in Germany and helps you make the right choice, feel free to check it out.
what about unemployment insurance?
You can't work without paying that. It's automatically substracted from your wage.
Bike theft link is broken
True that! Just updated it. Getsafe discontinued their bike insurance. Hepster is another alternative.
Me before watching this video: Just how many insurances can you have ?
Germany: Yes
I also should menton that I think this is the first full video I saw in your new office and I just noticed the acoustics are very different from the other videos in your previous (attic?) setup. Not bad just different to the ears. Was that an intended effect?
Yeah, the office had a very strong echo. We’ve done our best to reduce it with some carpeting, acoustic panels, and a new mic. This insurance video and the one coming out today did not have all the improvements yet.
@@simplegermany New vid? 👀
@@turjo119 Of course new vid, it's Monday! 😉 Ever since mid school I haven't loved Mondays so much. 😄
🤣
Is there any insurance available for mobile (stolen or lost) in germany?
Yes there is, but it is often not worth it. Theft is often covered by a household insurance.
@@simplegermany ok, Thanks for your reply
Best insurance is not to buy that of a costly mobile. ;-) I've never paid more than 300 bucks for a mobile.
That aside, i would be way more intimidated about my credentials getting abused/stolen than about the mobile itself. That's the least you'd have to worry, when a steal would actually happen.
If you don't want any insurance can you go to Germany
Yea of course. Just health insurance is mandatory. The others are voluntary.
Where do you live where beer costs 3,50? :D Definitely not Munich, right? :D
We live in Düsseldorf :)
Und was ist mit RENTENVERSICHERUNG?!
Why haven't you covered this one? Hmmmmm? 😊
We have a separate video on pension. 😉
@@simplegermany Ooh, I missed it. I will have to look for it again, thanks!
Hübsch
Hey you started to speak smothely as well 😂 in 0.50 speed what happend
Du brauchst überhaupt keine Versicherung.
Schonmal darüber nachgedacht?
Gruß
Sehen wir anders 😉
I want to know how life insurance agencies are doing with all the "vaccinated" lab rats having side effects from their mRNA shots.
Life insurance agencies will be happy to address your question. Have you tried asking it with this exact phrasing first, before pooping it here? (oops, the Ginger is correcting me to mean 'popping' it')
Considering that roughly of the roughly 60million 'lab rats' who've been vaccinated there have been only a very tiny minority with long term side effects the life insurances are still going to be very very happy with the vaccinations. Because life insurances also have to pay for death by disease. Here it boils down to the cost-and-effect calculations.
The number of people with long term side effects is startlingly small, compared to standard vaccinations. With the roughly 4.5 BILLION people already vaccinated, the total number of long term side effects all around the planet are still number in only the hundreds of cases.
If you take how many lives were saved, and how many lives have NOT had to suffer from long covif effects, the life insurances will be falling to their knees in praise of the vaccines.
So please, get off your conspiracy trip, find real information, and stop spinning the stupid narrative. It's already been a dead horse when it was started. It is currently definitely in the 'decomposing' time frame.