State health insurance in Germany (GKV). How payments are formed

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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.

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DTZ. German B1 exam writing examples. 1

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German B1 exam writing examples

There will be letters examples for german language b1 level test – based on tasks that people have posted on forums and topics from different textbooks.

What is the level with which I will write these letters, it is difficult for me to judge. I think, B1 / B1+. In the preparation books for this exam, much simpler letters are shown as letters to the B1 level.

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Lebensversicherung (life insurance)

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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).

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Non-Speaking child. 3. Speech delay treatment in Germany

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Now we come to most important question: “What to do?” In other words – to speech delay treatment in Germany. In the first part it was a question “What is happening?” In the second part – “What is the cause?”

Let’s try to go from symptoms, not from age. And at the end also two important questions: What can you do yourself? and How to convince a pediatrician, that your child needs an examination?

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Half timbered houses in Germany through history

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Fachwerk Geschichte / History half timbered houses in Germany

Fachwerk (half timbered houses) is an ancient way of building profane buildings (that is, not churches). Similar basic principles were used in many places. But it was the Fachwerk that reached the height of art, reflecting in its development all cultural epochs – from the Middle Ages to Art Nouveau.

Most of all half-timbered houses are in Germany, but they can be seen also in France and England.

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Non-speaking child. 2. Speech delay causes

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Speech delay causes can be physiological, intellectual, psychological and social. The first part was about speech development and speech delay symptoms by age. Each of these symptoms means a specific disease or several diseases. I can hardly name all of them, as some of them are very specific. I will try to combine them into groups.

Once you’ve supposed what your child’s speech delay causes might be, go on to Part 3 – Speech delay treatment in Germany.

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German income tax declaration. Anlage N-Aus

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German tax return Anlage N-Aus / Steuererklärung Anlage N-AUS ausfüllen

Anlage N-Aus is definitely not simply, also if you are not sure, it is better to go to the tax consultants for the first time (in LohnsteuerHilfe Verein). But it is possible, that you don’t need this application at all. Anlage N-Aus – for those who already live in Germany and make some work abroad.

If you are first year in Germany or leave it this year, then you need Anlage WA-Est. it has existed since 2017.

Read about Anlage WA-Est here.

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