Some points to mention: 1. Private Haftpflichtversicherung: It's not necessary to have any personal contribution (Selbstbeteiligung). Nevertheless, if you should need to use this insurance several times, they can kick you out of their insurance and you would have a "stamp" on your name. This can be seen then from other insurances and they might decline your request after being kicked out. Rather pay the few € yourself than asking the insurance to pay it. 2. Zahnzusatzversicherung: Not totally right. You won't get the full support after getting the insurance. In the first 3 years, you'll get the support partially (25%, 50%, 75%). 3. Rechtsschutzversicherung: It's not needed for everyone. It depends on the case. It's still recommended to have the "private Krankenversicherung" and "Berufsunfähigkeitsversicherung" which you can look up as well.
Thanks for the additions about the insurances 😊 About Zahnzusatzversicherung, it depends on which package you choose. I chose an insurance with 100% coverage and everything was covered for me, they only had some limitations in the first years, like first year maximum coverage up to 1000 euros in expenses, then 2000 euros in the second year and so on, after 4 years, everything is basically covered. Maybe I could add a comparison about this in the future 😊 Totally agreed on the Rechtsschutzverischerung, I still haven't gotten mine 😅 Private Krankenversicherung is still a debate between my friends, but I will look more into that one! Thank you so much for the comment! 😊🙏
@@Hannah_Ozz Sorry, I meant "private Haftpflichtversicherung" and "Berufsunfähigkeitsversicherung". 😄 For "private Krankenversicherung" you'll first need to earn enough money (69.000€ in 2024). So not everyone will be able to get it.
I am not really sure about the 69k € limit. I know a lot of friends who go it before reaching that point, even as a student. I think it makes more sense to do it after reaching 69k but my German friends really recommend staying away from the "private Krankenversicherung" because apparently, the amount you'd have to pay once you are old is too high and you need to have a lot of savings in order to get expensive treatments because the insurance would only pay you long after you paid for it. I could do a follow-up about this, maybe it would be helpful :)
Some points to mention:
1. Private Haftpflichtversicherung: It's not necessary to have any personal contribution (Selbstbeteiligung). Nevertheless, if you should need to use this insurance several times, they can kick you out of their insurance and you would have a "stamp" on your name. This can be seen then from other insurances and they might decline your request after being kicked out. Rather pay the few € yourself than asking the insurance to pay it.
2. Zahnzusatzversicherung: Not totally right. You won't get the full support after getting the insurance. In the first 3 years, you'll get the support partially (25%, 50%, 75%).
3. Rechtsschutzversicherung: It's not needed for everyone. It depends on the case.
It's still recommended to have the "private Krankenversicherung" and "Berufsunfähigkeitsversicherung" which you can look up as well.
Thanks for the additions about the insurances 😊
About Zahnzusatzversicherung, it depends on which package you choose. I chose an insurance with 100% coverage and everything was covered for me, they only had some limitations in the first years, like first year maximum coverage up to 1000 euros in expenses, then 2000 euros in the second year and so on, after 4 years, everything is basically covered. Maybe I could add a comparison about this in the future 😊 Totally agreed on the Rechtsschutzverischerung, I still haven't gotten mine 😅
Private Krankenversicherung is still a debate between my friends, but I will look more into that one!
Thank you so much for the comment! 😊🙏
@@Hannah_Ozz Sorry, I meant "private Haftpflichtversicherung" and "Berufsunfähigkeitsversicherung". 😄
For "private Krankenversicherung" you'll first need to earn enough money (69.000€ in 2024). So not everyone will be able to get it.
I am not really sure about the 69k € limit. I know a lot of friends who go it before reaching that point, even as a student. I think it makes more sense to do it after reaching 69k but my German friends really recommend staying away from the "private Krankenversicherung" because apparently, the amount you'd have to pay once you are old is too high and you need to have a lot of savings in order to get expensive treatments because the insurance would only pay you long after you paid for it. I could do a follow-up about this, maybe it would be helpful :)