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  1. Hello,   I'm Comparing Personal Liability & Home Insurance companies (+ incl. possibly Dog Insurance though we have that separately for now). Anyone have good experiences w/ companies?   Best,   R  
  2. Hello.   Been trying to compare dental insurance plans that cover implants. Most companies have waiting times and strict payout limits in the first 4 years, which might be unavoidable.   E.g. Ottonova   Envivas (this one works w/ TK which I have)   However this company seems too good to be true--no initial payout limits or waiting times, but it's all in German (incl. their call center) Wondering what's the catch. Anyone familiar?   Other ones I've tried aren't great w/ people over 50 that already have a few missing teeth. eg. Feather   Getsafe     Any other suggestions?   Best,   R    
  3. Suppose you have some dependent family to support. It seems to me if you have adequate Berufsunfähigkeitsversicherung & Risikolebensversicherung, you are pretty much covered (if you can't earn money but are not dead, Berufsunfähigkeitsversicherung. If you are dead, Risikolebensversicherung).  However, @Starshollow (who seems to be an expert in this domain, says: "All desk-oriented jobs and management related jobs [...] should, in my professional opinion, rather look for a dread disease insurance, where you insure yourself against a certain number of major illnesses, like cancer, heart attack, stroke and more, which do not necessarily lead to a legally clear case of occupational disability"   This seems surprising to me as I thought as long as I'm unfit to work for more than 6 months, the Berufsunfähigkeitsversicherung will payout. If this is important, I'm looking at an option where Abstrakte Verweisung is not possible, and I can survive for a year or so if necessary without payout, so it's ok if it takes time until the payout starts. Should I still look at dread disease insurance, rather than Berufsunfähigkeitsversicherung? I'd then be not covered for things like getting my arms chopped off. Buying both seems expensive.      
  4. Hi everyone, I hope you are well and healthy.  Long story short, at the beginning of November both my husband and I got employed under my own company here in Germany.  My insurance was finalised after a month of going back and forth.  My husband has a mini job and he must be insured on my family insurance.  We applied since going back and forth with so many papers.    Well bottom line, he's still not in the system and we're still waiting on them. However, my husband needs to go to the doctor and do some tests.  Is there a way I can recover the money from the health insurance given that by law they should have covered since the beginning of his employment?  I keep calling and emailing them but they are slow and sometimes they don't call back. I'm at a loss here.   Thank you for your time. Oh, health insurance is AOK Plus. Thanks.
  5. Hey folks,  This time, the clumsy butterfinger me has spilled a significant amount of coffee on my work laptop! The laptop is my employer's and I was in homeoffice when this happened. I was wondering if the repair cost is something I could cover with my personal liability insurance policy (Haftpflichtversicherung)?  Cheers.
  6. Hi Toytowners!   I have been following the forum for a month and got many helpful ideas about daily of Germany. Thanks for all these advices and helps.   Me and my wife are living out side of EU (Turkey). We're not EU citizen.  I got a postdoc stipend (it's tax free, so I have to pay my insurance) and we have been preparing ourselves for moving to Berlin since last month.  Last week we got a great news! We are going to have a baby. Now we have to check our moving plans again. The host insitute adviced to me a simple private insurance plan, but from what I've read on Toytown, I realized that it does not really cover much. So I'm still looking for a health insurance which would cover an existing pregnancy. I have two urgent questions, and would be very happy if you give any advice.   1) After explain my concerns about private insurance, the officer of host institute offered me another option to getting an insurance from public insurer TK which is 10 times more expensive (around 500 eu)  than private one.  If I accept to pay this amount, would it  cover an existing pregnancy?   2) I have also read that even if Turkey is not an Eu member, there is a special agreement between Turkey and Germany, which is if you are insured in Turkey you may apply for its transfer. Does it work as much as the service that a public insurance gives?   Thanks in advance.