There are many different insurances in Germany, but the most important insurances for everyone who wants to live here are: First and foremost is medical insurance, which is compulsory and required by law and refugees are not exempt from it. Second: Liability insurance for compensation for damages caused by third parties, known in German as (Private Haftpflichtversicherung), which covers materially or partially the damages resulting from any small or large accident that may occur, such as dropping the smartphone from your colleague or breaking valuables in the supermarket.
The private or personal civil liability insurance covers damages that occur inside and outside the home of the insured, in addition to covering losses derived from material damage, and also covers personal damages that the insured may cause to third parties.
In the case of claims for damages, the insurance company not only examines and pays the damages, but also protects the client from unjustified claims. And in the event of a lawsuit, the insurance company pays the legal costs.
The private or personal civil liability insurance covers damages that occur inside and outside the home of the insured, in addition to covering losses derived from material damage, and also covers personal damages that the insured may cause to third parties.
In the case of claims for damages, the insurance company not only examines and pays the damages, but also protects the client from unjustified claims. And in the event of a lawsuit, the insurance company pays the legal costs.
Private Liability Insurance - Important Tips:
Rates: Insurance rates vary between 40 and 90 euros per year, however, comparing the benefits with the prices offered is necessary and worth it.
Payment: The form of payment affects the public price. This means that monthly or quarterly payments instead of annual ones incurred additional fees in most cases of three to ten percent, which is called the additional cost of payment.
Claims: The right to claim compensation includes damages that occur after the conclusion of the insurance contract, but the above are not covered by insurance, and damages must be reported as soon as they occur.
Termination of the contract: In the event that the insurance company increases the insurance rates, you have the right to immediately terminate the contract and look for a company with lower rates.
Volunteer - If you regularly work or volunteer somewhere, for minimal or even zero wage, you should ask if private liability insurance covers any damages you may cause. If you are injured, your insurance provides coverage against accidents.
Payment: The form of payment affects the public price. This means that monthly or quarterly payments instead of annual ones incurred additional fees in most cases of three to ten percent, which is called the additional cost of payment.
Claims: The right to claim compensation includes damages that occur after the conclusion of the insurance contract, but the above are not covered by insurance, and damages must be reported as soon as they occur.
Termination of the contract: In the event that the insurance company increases the insurance rates, you have the right to immediately terminate the contract and look for a company with lower rates.
Volunteer - If you regularly work or volunteer somewhere, for minimal or even zero wage, you should ask if private liability insurance covers any damages you may cause. If you are injured, your insurance provides coverage against accidents.
Things covered by private liability insurance:
Repair costs when something is damaged, the value of the damage when something breaks and cannot be repaired, plus doctor's costs and hospital bills when someone is injured or infects others. In addition to the children's insurance, through the parents' own civil liability insurance, because parents are responsible for damages caused by children under seven years of age.
The insurance also covers damage caused by small pets, such as a cat or a bird, which must also be covered. In the event that you have pets such as cats or others, they can be added to the insurance. The insurance also covers any damage to the rental apartment, including loss of keys.
The insurance also covers damage caused by small pets, such as a cat or a bird, which must also be covered. In the event that you have pets such as cats or others, they can be added to the insurance. The insurance also covers any damage to the rental apartment, including loss of keys.
Damage not covered by insurance:
Damage caused by intentional actions and damage to rented or loaned moving objects, but some insurances also cover it. Likewise, the insurance does not include damages that occur during work and damages to the insured and their relatives who live with them in the same house.
Things to keep in mind when entering into an insurance contract
Private liability insurance is available to both individuals and families.
Ask for advice: when it comes to rates and fees, the devil is in the details, as the saying goes, and although most services are similar at first glance, the printed texts in lower case may be different.
The sum of the guarantee offered for damages must be at least ten million euros. It is the maximum amount of money that the insurance company will pay to compensate for the damage and its complications. The insurance must be valid in all countries of the world and not limited to Germany or Europe.
Some insurance companies offer special offers and cheap rates for people who live alone (without family) and for retirees.
Ask for advice: when it comes to rates and fees, the devil is in the details, as the saying goes, and although most services are similar at first glance, the printed texts in lower case may be different.
The sum of the guarantee offered for damages must be at least ten million euros. It is the maximum amount of money that the insurance company will pay to compensate for the damage and its complications. The insurance must be valid in all countries of the world and not limited to Germany or Europe.
Some insurance companies offer special offers and cheap rates for people who live alone (without family) and for retirees.
Health Insurance: Important Tips
Health insurance helps you and your family when you are sick. Health insurance companies pay for the costs of medical treatments and the provision of health care, such as hospitalization, dental care, immunizations against illnesses, medical examinations and recovery measures, in addition to the costs of delivery.
Healthcare, for asylum seekers and those whose deportation has been suspended (Duldung) and who have stayed in Germany for less than 15 months, as well as for people who must leave the country; Medical care for these people is limited to emergencies, acute illnesses or emergencies only, according to the Asylum Seeker Benefits Act.
While some German states require you to apply for a voucher from the Social Welfare Office before seeing a doctor, other states issue so-called refugee health cards that allow them direct access to medical care without having to go to the Office of Social Welfare and get a bonus.
According to the Asylum Information Database (AIDA), emergency care for asylum seekers is limited to "medical or dental treatment that is necessary and must be provided." This includes "drugs, dressings and other items necessary to cure, cure or reduce a disease, or the services necessary to be provided for treatment."
If you have lived in Germany for more than 15 months and your asylum application is still pending, you are entitled to the same legal medical assistance available to German citizens, with the exception of the long-term assistance insurance "Pflegeversicherung". Generally, the asylum seeker is free to choose the health insurance company they wish to deal with.
Pregnant and newborn refugee and migrant women have the right to "medical and nursing assistance and support", including the service provided to provide midwifery care, as well as access to necessary vaccines and "necessary preventive medical examinations".
Healthcare, for asylum seekers and those whose deportation has been suspended (Duldung) and who have stayed in Germany for less than 15 months, as well as for people who must leave the country; Medical care for these people is limited to emergencies, acute illnesses or emergencies only, according to the Asylum Seeker Benefits Act.
While some German states require you to apply for a voucher from the Social Welfare Office before seeing a doctor, other states issue so-called refugee health cards that allow them direct access to medical care without having to go to the Office of Social Welfare and get a bonus.
According to the Asylum Information Database (AIDA), emergency care for asylum seekers is limited to "medical or dental treatment that is necessary and must be provided." This includes "drugs, dressings and other items necessary to cure, cure or reduce a disease, or the services necessary to be provided for treatment."
If you have lived in Germany for more than 15 months and your asylum application is still pending, you are entitled to the same legal medical assistance available to German citizens, with the exception of the long-term assistance insurance "Pflegeversicherung". Generally, the asylum seeker is free to choose the health insurance company they wish to deal with.
Pregnant and newborn refugee and migrant women have the right to "medical and nursing assistance and support", including the service provided to provide midwifery care, as well as access to necessary vaccines and "necessary preventive medical examinations".
Is mandatory
State health insurance is compulsory up to a certain income level and is the most common in Germany, but if you earn more than that, you can choose between this type of insurance and private health insurance, and get various benefits.
Sick Pay - If you are unable to work for a long period due to illness and therefore you do not receive a salary from your job because of that, you may receive salary during the period of illness.
And it's important to know that not everything is completely covered, including glasses, medications, and transportation costs to and from the healthcare provider. However, there are exceptions for children. Special items like glasses or artificial teeth can take a long time to be approved by the insurance company.
Prescription: Your health insurance covers most of the cost of the drug through the prescription, however, you will have to pay ten percent of the price per prescription (but no more than € 10) and it is also free for those under 18 years.
Confidentiality: Doctors cannot pass information about you to others, be it the authorities, the employer or family members, without your consent. Sometimes this also applies to information about your children's health.
Sick Pay - If you are unable to work for a long period due to illness and therefore you do not receive a salary from your job because of that, you may receive salary during the period of illness.
And it's important to know that not everything is completely covered, including glasses, medications, and transportation costs to and from the healthcare provider. However, there are exceptions for children. Special items like glasses or artificial teeth can take a long time to be approved by the insurance company.
Prescription: Your health insurance covers most of the cost of the drug through the prescription, however, you will have to pay ten percent of the price per prescription (but no more than € 10) and it is also free for those under 18 years.
Confidentiality: Doctors cannot pass information about you to others, be it the authorities, the employer or family members, without your consent. Sometimes this also applies to information about your children's health.
What is a health insurance card?
Those with state health insurance receive an electronic card that documents their membership; The card includes your photo, name, date of birth, insured's address, policy number, and insurance status. In some German cities, this card is issued to refugees upon arrival on German soil.
It should be noted that health insurance cards are valid in the 28 countries of the European Union, as well as in Iceland, Liechtenstein, Norway and Switzerland. If you are sick in one of these countries, your card gives you access to medical treatment there.
It should be noted that health insurance cards are valid in the 28 countries of the European Union, as well as in Iceland, Liechtenstein, Norway and Switzerland. If you are sick in one of these countries, your card gives you access to medical treatment there.
Things to remember about health insurance
Always keep all your health-related receipts because your insurance company can reimburse you for fees.
If you have private health insurance, you must pay for doctor visits and medications yourself first, and then send the original copy of the bill to the private health insurance company that will pay the bill.
If your spouse is not working, they may be covered by your legal health insurance policy at no additional charge, the same is true for your children.
In case of accidents or emergencies, or if you become ill outside office hours, you can contact the service of an emergency doctor. Call 112 to call the emergency service or request an ambulance.
If you don't speak German well and want to see a doctor who speaks your language, the Statutory Health Insurance Physicians Association can help you find local addresses and phone numbers on their website.
If you have private health insurance, you must pay for doctor visits and medications yourself first, and then send the original copy of the bill to the private health insurance company that will pay the bill.
If your spouse is not working, they may be covered by your legal health insurance policy at no additional charge, the same is true for your children.
In case of accidents or emergencies, or if you become ill outside office hours, you can contact the service of an emergency doctor. Call 112 to call the emergency service or request an ambulance.
If you don't speak German well and want to see a doctor who speaks your language, the Statutory Health Insurance Physicians Association can help you find local addresses and phone numbers on their website.
What other insurance should be considered?
Home contents insurance “Hausratversicherung” With this insurance, the insurance company compensates you for damage to the property of your home due to fire, theft, vandalism, explosion, storm or water leak.
Accident insurance "Unfallversicherung" helps you and your family cope with financial and health problems, such as an accident at work or an occupational disease. Occupational accidents also include traffic accidents to and from work or school.
Long Term Care Insurance - Helpful if you are unable to care for yourself in old age or due to serious illness. In addition, this insurance provides financial support and advice to those who care for and care for their relatives.
Work disability insurance: This insurance comes into effect in the event that you cannot continue to practice your profession.
Unemployment insurance: If you lose your job and have legal insurance for at least twelve months, you can apply for unemployment benefit, and you will receive unemployment benefit for a maximum period of twelve months.
Life insurance: Life insurance pays the specified beneficiary an amount of money in the event of the death of the insured person, and the compensation rate is determined according to the premium agreed between the company and the insurance owner.
Car insurance: It is mandatory by law when registering the car with the Traffic Department and it is forbidden to drive the car on public roads if it is not registered and insured. This insurance covers damage to other vehicles when they cause an accident. There are types of this insurance: mandatory and covers only third-party damages, half of the comprehensive insurance that insures third-party damages and part of your damages such as breakage or theft of car windows, and full-risk insurance that fully covers your damages to third parties.
Accident insurance "Unfallversicherung" helps you and your family cope with financial and health problems, such as an accident at work or an occupational disease. Occupational accidents also include traffic accidents to and from work or school.
Long Term Care Insurance - Helpful if you are unable to care for yourself in old age or due to serious illness. In addition, this insurance provides financial support and advice to those who care for and care for their relatives.
Work disability insurance: This insurance comes into effect in the event that you cannot continue to practice your profession.
Unemployment insurance: If you lose your job and have legal insurance for at least twelve months, you can apply for unemployment benefit, and you will receive unemployment benefit for a maximum period of twelve months.
Life insurance: Life insurance pays the specified beneficiary an amount of money in the event of the death of the insured person, and the compensation rate is determined according to the premium agreed between the company and the insurance owner.
Car insurance: It is mandatory by law when registering the car with the Traffic Department and it is forbidden to drive the car on public roads if it is not registered and insured. This insurance covers damage to other vehicles when they cause an accident. There are types of this insurance: mandatory and covers only third-party damages, half of the comprehensive insurance that insures third-party damages and part of your damages such as breakage or theft of car windows, and full-risk insurance that fully covers your damages to third parties.
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