We continue to study the changes in Germany 2024. The previous post was rather sad – there they take our money and demand new demands. Let’s see if there will be any compensation in the financial, insurance, taxes and benefits.
Riester pension (Riester-Rente) exists since 2002 and is named after the Minister of Labor Walter Riester. This is a voluntary additional pension insurance, which is supported by the state with bonuses. It is believed that Riester pension is beneficial for families with children, low-income earners and high-earning singles. However, due to the high cost of maintenance and low interest rates, this type of savings is not so popular, as the government would like.
Liability insurance in Germany is highly recommended. This insurance is called private Haftpflichtversicherung (or Privathaftpflichtversicherung). Do not confuse it with Kfz-Haftpflichtversicherung – liability insurance for drivers. For drivers, this insurance is mandatory and covers the damage they may cause while driving.
Privataftpflichtversicherung is not obligatory by law, but by common sense. Most people in Germany have it, so this topic is for those who have recently arrived.
The social sphere will be in the most turbulent state in 2023, because the old social benefits Harz 4 system is being destroyed, but what will appear to replace it will still have to be seen.
We have already found out how the contributions to the state health insurance are formed, who is obliged to have it, and what exactly of the medical services we are paid for, and for which we will have to pay extra. Now let’s find out how to change health insurance in Germany if another insurance promises a lot of free additional services or if the old one does not suit us with its service.
95 percent of state health insurance services in Germany are defined by law, so all Krankenkassen are the same. These will be all services related to deteriorating health – visits to doctors, necessary surgeries and examinations.
There is no complete list of paid services.
We continue the list of medical services that will (or will not) be paid for by state health insurance in Germany – Krankenkasse (KK).
Part 1. GKV. How payments are formed
Part 2. GKV. Everything that I (not) will be paid from – A-L
Pregnancy in Germany. Part 3. Mutterpass and Hebamme
Pregnancy in Germany. Part 4. Giving birth, anestesia, stimulation
Asperger’s syndrome without outdated clichés. 1
The following insurance for travelling are the most relevant in Germany: Haftpflichtversicherung (liability insurance) and Krankenversicherung, as well as travel cancellation and travel interruption insurance.
Those who rent a car on vacation are strongly advised to have the so-called Mallorca-Police liability insurance for rented cars. In addition, they offer other options: baggage insurance, accident insurance, which is more likely not needed.
Actually, at first I wanted to write only basic information about what insurance there are, but I found a lot of information that can be useful to everyone. Therefore, there will be a series of posts, and we will start with state health insurance in Germany – what it is and what it pays for. Let’s make a list similar to the list “All I can return” (from taxes) – alphabetically.
There are two types of health insurance in Germany: state (gesetzliche Krankenversicherung, GKV) and private (private Krankenversicherung, PKV). In any case, you must have one of them.
Lebensversicherung is not a necessary insurance, but in some cases it makes a lot of sense. According to statistics in 2017, 15 percent of the deaths were under 65 years old.
This insurance is available in two versions: without saving money (Risikolebensversicherung) and with saving money (Kapitallebensversicherung).