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  1. Dear Members, I have a question regarding "Schwere Krankheit Vorsorge", dreadful diseases insurance. I want some suggestions from you guys, that whether this insurance makes sense for me or not. I have been looking into the options from Canada insurance. Here is a little about myself. 1) I am 28 years old and work in I.T. 2) I plan to stay in Germany for next 5 - 7 years. 3) I have been told that insurance has world wide coverage, but if you are outside Germany, you need to come back and get checked by a German doctor. Does anybody has experience with the same insurance ? Looking forward for your opinions. Thanks.  Hammad  
  2. In August I was involved in an auto accident. Northing major, other driver was nice, but neither of us could honestly say who's fault it was because it was a weird situation. Therefor we called the police. On site the police said it was the fault of the other driver. Because of this, I never involved my insurance company.   Fast forward to the beginning of November and I receive a check, but only for 50% of the amount—which was not surprising. When I contact the insurance company of the other driver they said it was because the police could not determine who was at fault, and therefore would only pay half. I went to the police and talked to the same officer that wrote the report and she, after reviewing the report, said that the other driver was in fact at fault and it stated that in the report.   I know that I know that under § 49 OWiG I am able to request a copy of the police report. What I would like to do is get a copy and the challenge the decision of the insurance copy without involving a lawyer. However I have been told that the lawyer is better route to go.   My question: in many circumstances when a lawyer is needed, and the opposing side is found "guilty", the fees of the lawyer is paid by the opposing side. I would like to know if this is one of those cases, as I assume that our situation would never go to court.   Maybe the far reaching wisdom of @PandaMunich knows something?
  3. Public healthcare in Germany is not as catch-all as one might hope. Find out why going private could benefit both your health and your bank account.    
  4. Health insurance policies are never one-size-fits-all and life circumstances have a habit of changing. The Local spoke to an expert from leading insurance broker ASN to help you get the best value bespoke insurance policy.Find out more via the article:
  5. Is there insurance cover available for the cost of airlifting to Germany from another EU country in case you need hospital treatment but are unable to fly in a regular plane? I´m not only talking about cases in which treatment isn´t possible in your country of residence but where you choose to rather be treated "at home".
  6. Agreement of compensation

    Hi,   I had a small situation in which I agreed to compensate someone directly, because the amount is too small to get insurance involved. Is there any template document I could use to declare that I´ve paid that amount for that reason?
  7. Independent Investment Consultant and Insurance broker for international clients in Germany. We offer a large portfolio of various investments in funds, shares and property and also guarantee a long-term management of the investments portfolios. Also we will help with an indepentent advice by questions around insurances, real estate financing, health insurance, car- & liability insurance and retirement planning.   Daniel Charles Bossenz Independent Investment Consultant & Insurance Broker   Alexanderstraße 3 10178 Berlin Germany   Email: Website: Telephone: 08002677369
  8. Hello,   Until recently I was making very modest annual income, so KSK was perfect for me. But everything changed this year and it looks like I'll make around 100k from freelancing. Is it worth paying to the KSK or are there better options for me? I remember years ago I read somewhere (might have been here) that KSK is a pretty good deal if you're making under 60k per year or something like that. I can't find that info now, though.
  9. Folks,    I am changing my legal insurance company from A to B as of 9.2.. There is a gap of 2 days in between.  So, who is responsible for the stuff which happened let's say 4 months back? Will company A still cover it?   Thanks a lot for your advice!
  10. I tried to compress the title as much as possible. So here's a better (still short) version of the story:   I have installed a bidet in my bathroom, by installing the provided extra branch (extension?) on the pipe below the sink. A few weeks ago I received a call that all my apartment was under water. Apparently the hose was loose and had popped out. Now there's moisture under the flooring, and recently mould in the walls, etc. So a company is coming for "drying", etc.   Question: does a Haftpflichtversicherung normally cover such a case? I guess mine is a good one, as I pay above 160 EUR per year. And if you think it depends on how I narrate the story, do you have suggestions (based on the detailed story below)?   Thanks in advance!   ---------------------- Detailed Story [read only if you feel like it] ------------------------ The bidet piping seems to be safe enough, as I had a similar one running for 3 years in another apartment with no problems. This one was also working OK for about 1 year. A couple of weeks before the incident I noticed water leakage as drops below the sink. Assuming it was due to my manual installation, I tried to uninstall and re-install it with extra security (tapes, etc.). It didn't help and over the next days it was leaking on and off. One day I got fed up and left the hose half-installed (without fastening a nut). I shut down the water and called the Hausmeister saying we had a problem and needed a plumber. One day later when I wasn't home he went and checked the connection and told me there's no leakage and all is fine. Now feeling assured, I kept using the half-installed connection for a few days and... the nightmare finally came true!   So, it has been my negligence. But also a manually installed extension is involved. So... What do you think?    
  11. We have been living with my wife for 3 years in Germany. Three months ago our child was born. Now, my wife and my daughter are insured as dependent members with public insurance (my wife was not working before having a child).    Given a good job opportunity, I will leave the country to go somewhere else to work, but we decided for my wife to stay with the kid in Germany, with relatives, for a few months (so that I can find a house and settle, before they join me).    I am wondering what happens with insurance for the kid and my wife. We received a letter a couple of weeks ago mentioning that the kid will be insured, but I am not sure what happens with my wife. Does anyone have any clue?
  12. Hi everyone, I have been working in Germany for 5 years and have a Niederlassungserlaubnis.  I am going to take up a full-time job in Austria for a limited number of years, but want to keep my German address and commute a little. This should allow me to keep my German Niederlassungserlaubnis.   My questions are: 1. Health insurance: I am currently privately insured in Germany. After I change my job, do I have to continue paying for my private insurance in Germany? Given that my full-time job in Austria will cover health insurance already. What is the most cost effective way? 2. Pensions: What happens to the pension contributions that I have paid while working in Germany? 3. Second employment: I am trying to arrange a second employment contract with my current employer in Germany, in addition to my full-time job in Austria. As far as I understand, this is fine under Austrian law as long as the second employment does not exceed 8 hours a week. In this case, will my German employment contract still cover half of my German health insurance and other social insurance premium? What else should I pay attention to about having a cross-border second employment contract?   Many thanks! 
  13. My husband works as a freelance illustrator / artist and last year for the first time in his career had a client request Public Indemnity and Liability insurance.  They covered the expense of this so via a broker agreed a policy with Hiscox running 18.09.18 - 17.09.19 We were, perhaps naively, under the impression that this policy was only for a year, as we had explained to the broker that it was a single project and not something he ever normally needs. Fast forward 10.5 months and we've just received a letter in the post congratulating him on his decision to renew and asking for information on changes to his business. Since this project in late 2018, my husband has unfortunately not had any commissions and has made zero money from his illustration, so is now looking for a full-time job. With that in mind we now have even more so no use for the coverage AND we cannot afford to pay 825€ for it.   I've scoured the AGBs and cant see any information about a Kündigungsfrist and have emailed Hiscox and our broker to explain the situation, but am terrified we will be forced to pay this amount.   Questions: Can we still cancel? What are our options if his business is making no turnover, but we haven't changed anything at the Finanzamt yet?   We don't have a SEPA-Lastschrift setup - what happens if we simply refuse to pay the new invoice? Will his coverage be automatically cancelled or are we going to be sued by Hiscox / face even more fines / even worse, be blacklisted for bad credit?   Any help anyone can give would be incredible - I'm devastated and paying this invoice will be a huge financial hit on an already terrible year...   Thanks so much!     
  14. Hi Everyone,   I'm finding it surprisingly hard to find a definitive answer on a question about home insurance. Here's the situation:   I own an apartment in a newly built building in Berlin. There are 22 units in this building, and we own the common areas in common. The building association has insurance for the common areas.   For my individual apartment, I want to insure all contents against damage, theft, fire, etc. And I want to insure my interior walls, doors, appliances, bathroom, kitchen, etc. against fire, water damage, damage by others, etc.   So my question: Do I need Hausratversicherung or Wohngebäudeversicherung? When I read about Wohngebäudeversicherung, it usually seems to be directed at people who own the entire building (like a house), or perhaps part of a duplex. But, there it's not clearly stated that it applies to apartment owners.   For example, I was advised to use Axa, so I went to their online Wohngebäudeversicherung calculator, but the wizard only gave two options for building type: Einfamilienhaus or Zweifamilienhaus. So, it seems apparent that this does not apply to apartment owners.   But, Hausratversicherung appears to only apply to contents (i.e., moveable items), so that does not seem to be enough.   Can someone clear this up for me?   Thanks!
  15. Is KSK worth it for me?

    Hi,   As I'm approaching my one-year Berlinniversary, my situation keeps rapidly changing. That's great, but I'm also constantly filled with new questions.   My question now is about KSK, whether it's worth it for me or not and what are the pros and cons. I already know a lot about the application process, so I'm looking for a bit of advice more than information about that.   So, here's my situation: - EU Citizen, no previous record of being in the public system in the EU, so I'm currently using a private insurance with a €1000/mo deductible (which is insane) - Under 30 - Have a BFA degree in Theater/Creative Writing - Full-time freelancer and Kleinunternehmer (if things keep going this well next year, however, I may not be a Kleinuternehmer anymore) - Most of my current jobs are somewhat related to my field, except for modeling. I'm a coach/mentor for artists and students and I also write (but that may fall more into the 'marketing' area, as the material is usually posted online) - Once in a while I earn money as a performer, but most of my gigs are unpaid, or paid very little. But I have a lot of documentation from that, which can help with my KSK app. - May want to pursue a Master's degree in the near future, but not sure - Not planning on having kids at least for the next decade   So, my big questions are: 1. Can I join the KSK with my current professions? Are they 'artistic' enough? 2. Is it worth it? From what I looked up, I'd be paying around €60 more than I would if I stuck with private insurance. I know that price will go up as I get older and that €1000 deductible is not nice at all (I can't REALLY use my insurance huh), but I don't really feel super settled in Berlin yet. It would be nice to pay into a pension scheme, because I do worry about what to do when I'm older, but what if I move in the next 1-2 years? On the other hand, I would like to go to the doctor and not have to pay out of pocket.   I appreciate any insights on this!   Thanks in advance.