Ho, Ho, Ho! Hackers have nothing to laugh about with this Christmas deal. Grab the NordVPN deal at nordvpn.com/radicalliving to get a 73% discount on a 2-year plan + 1 FREE month on top!

Business idea: "Insurance Insurance" - for a low, low fee of 10$ a month, we will sue your insurance provider if they refuse to pay out using a loophole. * ps, we also have a loophole saying that we dont actually have to do so *

I expected German KZfaqrs to have a Videoausfallversicherung, to cover the lost income due to videos you could not upload because of sickness or when the equipment is stolen or the Christmas markets you planned to show in your videos are closed due to pandemic. Upps, sorry if I just gave an idea to the insurance companies...

I would say dental insurance is a good thing to have - a case that is not covered by the mandatory insurance will arise for sure sooner or later and the prices in this area are quite high. It may cost ~20 Eur/month but there is trick - most of them are covering cleaning twice a year, that is recommended to do anyway, so if you deduct the price of two cleanings per year from a yearly dental insurance price it will cost only several euros/month at the end.

I don’t live in Germany, but still found this video useful and entertaining! Thank you! 🙏🥰 I wish there was a movie with you as a main character, you are a great actor! ☺️💖

Of course your Dutch neighbours also love insurance. Sometimes people are insured for the same thing twice without even knowing it. That said, live insurance is sometimes part of you mortgage.

I’m actually stuck in loop with health insurance right now. I can’t work because i don’t have the right insurance and i can’t get the right insurance because i can’t prove i’m currently unemployed! 😩

A separate insurance policy on my toaster does sound prudent. BTW, I skipped the Nordvpn commercial as I already use them.

I love the American "communist" bits.😂 Btw, we have all of these.🙄 We even had the "glass insurance" someone mentioned for a while. I remember when my husband told the insurance salesman that we wanted it. I was like, REALLY?!🙄 We've since cancelled it. It's also true what someone said about being doubly insured.

Mega Video. Alter, du schaffst es immer wieder die Bürokratie auf eine Sinnfolle Art und Weise zu Erklären ! Kann nur sagen : Keep it up! Weinachtliche Grüße !

Rechtsschutzversicherung - insurance for the protection of the right ? I like it. :))

I'm pretty critical of life insurance, too - with one possible exception. If you have to provide for a family and buy a home on a mortgage, get a barebone life insurance covering the mortgage in case you die. That can happen (did happen to a friend, aged 45) and then your widow and offspring won't need to worry about foreclosure. If you just take the basic one (no bells & whistles, no savings element) they will cost a few hundred €€ or $$ a year.. you'll just have to stop anyone trying to sell you a hybrid product with a savings element that can cost you ten times that.

My Anwalt friend wonders why I don’t have insurance in case I can’t work- I‘m a musician. I‘d have to take on an extra job to pay for the insurance in case I can’t work, and then of course there’s the unemployment insurance for the new job to pay for the insurance for the… can I stop now, please? You deserve a medal and this video deserves many views, because the topic gives me a migraine.

You forgot the Berufsunfähigkeitsversicherung, most German thing ever :D

From personal experience, I can tell everyone who commutes to work daily with a bicycle, e-bike, e-roller, e-scooter etc., even if it's just a 15-20 minute ride and doesn't even require driving on the streets: GET AN UNFALLVERSICHERUNG. You can be as responsible and careful as it gets, obey the law while riding, wear a helmet etc. but you're VERY VULNERABLE all the time you're out there on your vehicle. And you can never predict all the countless unpredictable and irresponsible behaviours of other cyclists, drivers, pedestrians, their children, their dogs, the thoughtlessness and or lack of reaction to your warnings of the elders or intoxicated party people while you approach them, the holes in the roads, the tram rails, drivers playing with their phones while driving or not using their blinkers when turning right in front of you, the obstacles lying across the road, joggers with music blasting in their earphones blocking the bicycle roads, and countless other threats present on your way, which might seem minor to others, but upon impact while you're driving or cycling, might cause severe physical damage or worse to you.

Germany sounds like a great place to live honestly. Kudos, Germany. You guys rock.

Ivan, more Ivan on the Radical Living channel pls! Also need more content with Ivan and the American dude!

Bro Germany insurance is quite insane . In India we have some people like the russian one u show in the video no insurance needed 😁😁

Love your content and very informative! Had no idea they had so many insurances in Germany.

Putin's giggle was priceless 😆

I just moved to Berlin & loving Neukolln. Thanks man, this was much appreciated.

Thank you very much for your videos!! I love your sense of humor and find your videos very informative. I am moving to Berlin soon from the another country and your videos help me very much!

I was on business trip to Hamburg and got ticket for a concert and if you paid 2 EUR more you got it insured. So basically got the money back in case if you wouldn't manage to go and if it was few hours before the event.

I am from Spain and was forced by my friends to have a Haftpflichtversicherung 😂. I have had it for 8 years and still broke nothing 🥲

Sooo funny. Could not stop laughing. I usually skip over imbeded commercials into videos but couldn't skip the VPN one. hmmmmmm I wonder why. You are so talented!! I had to snap a photo of the "payout by loss of" and save it to my pictures. 💖

I love watching your videos - entertaining and informative!

As an American, I look at Germany and I see a country that’s both more capitalist but with a better welfare state at the same time and I like that. You guys have a great system.

Nice video. I have Zahnzusatz, find it also quite important. And wanted to say, that now instead of Lebens- the Arbeitsunfähigversicherung is quite popular... at the least by the workers in those towers when trying to sell you something. And about that Riesterrente?

When he says them in German...I lose it 🤣🤣🤣

It turned out the Haysratversicherung is very important to me. I have not very cheap variant (87 eur/year). It covers bycickes as well - even left locked at S-Bahn stations. And my new bikes - each ~600 eur worth - were stolen twice, and I got my money back just in 2 weeks from Versicherungs company. Bad guys steal bikes so often here in Germany!

yeah the Netherlands is pretty similar, also glass insurance as in the windows of your house and if your kid breaks somebody else s windows. I liked your points, except the pension one, you can invest pre-tax money in a fund even as a free-lance.

Danke. I will need to know what I need to have, pay, and the don'ts and do's in Germany. I want to go over there. Thank you for your content Radical Living. Es ist nützlich. I hope you get more subscribers too.

Here in Canada most people have Health, unemployment, home, auto, and maybe life. If you own a business, or a house or car, you also have liability insurance. Some renters also insure the contents of their flats.

In Ecuador non insurance is mandatory. Health insurance and pension, are enable when you start working, but you can disabled if you want.

Really informative video! Loved it

Sounds like there are three kinds of liability insurance, but what do I know? I had a hard time staying focused. (Is there lack of focus insurance?)

Merry Christmas.🎄🎄🎄

These kinds of videos are super useful (and funny :D) for foreigners like me who live here.

Enjoyed every second of it

Dutch here, from the top of my head... Mandatory (non employed): Healthcare (with voluntary extensions like dental, fysio fe. Yep thats right basic health only covers the most basic care)), Liability. Also when renting or owning a home glass insurance Additional mandatory when employed: Pension, accident (at work) Voluntary popular ones; Car, bicycle (we love our bikes), phone, household, life, unemployement, legal, funeral, travel

Fascinating and informative

Nice one bro!🙌

Love the Haftpflichtversicherung. I had it when I studied in Germany. Yup, claimed it once and everything is ok.

In Brazil we usually only do it for accidents or stolen cars

Cool! Thanks for sharing!

Many thanks! It is superhelpful!

As Russian moving to Berlin I have only 1 question What the prices for an old good soviet Kalashnikof there? Grey market only

An absolute MUST is joining a Mieterverien if you rent. They are staffed with practicing lawyers who can help with landlord disputes. I had a landlord that tried to charge extra for water once it reached the house, the lawyer found this in the nebenkosten. Also had a landlord that shut off the heating (which also heated the water) after 11pm every night and only put it back on again at 5pm. He didn't get a shit about legionaries disease. There are some very bad landlords in Germany, you need to protect yourself. It's very much worth the money!!

People here in South Africa also love insurance lol they're basically +50% percent on adds we on TV

Wow thanks for this video is really useful and cool 😎

Pretty much the same in Czechia. People would insure everything from house to their dogs. Only thing they often miss is their life insurance. Which seems ridiculous to me that they value their things more than their life.

Thanks Buddy

UK its mandatory for Health and pensions, but a lot of people opt for house/home contents and life insurance. But I think care and unemployment insurance r good ideas.

Living in NYC, Insurance is a must. The mandatory is Social Security ( Pension ) 6.25%, if your self employed 12.5%. Welfare 2.375% ( for the poor ). Voluntary. Health, Life, Disability, Car, Home. Is a must or you can go bankrupt in the USA. Total 7

In Malaysia only pension scheme and car insurances are mandatory. If a cop stops your car and your insurance has expired you can get fined. Health insurance is mandatory because we have public healthcare but most people who can afford it get health insurances for better treatments at private centres.

We have a big Soccer field called Allianz Field here in Minnesota, also they have a corporate building here too. Never knew what it was. I actually thought it was a French thing, like allons-y. :P

Damn such an informative video while being pretty funny. Enjoyed it!

Your sense of humor is underrated 😂

Looking good RL and getting that vpn bag nice

UK - car insurance compulsory if you have a car; life insurance, most people get this when they get a mortgage to buy a house or flat; insurance *for* the house ditto (because if the house burns down you don't want to owe the bank hundreds of thousands); quite a few people get legal insurance alongside house & contents insurance. Pretty much no-one has general personal liability insurance!!

After watching stuff like this, I really can't understand why some people think that US health insurance (or other insurances) are worse than British, Canadian or German insurances.

Heyyy, you were in Vietnam with the drone scenery, weren't you? When was it? 😄

In der Schweiz sind ebenfalls viele Haushalte überversichert. Allerdings lohnt es sich häufig, eine Rechtsschutz-Versicherung zu haben eines zu den anderen Versicherungsgebern konkurrierenden Konzernes. Denn Rechtsschutz-Versicherungen lassen sich so gut einsetzen, um Versicherungsansprüche durchzusetzen. Die Rechtsschutz-Versicherung ist also alleine deswegen schon überlegenswert.

U work so much on your videos I like your content

When I was in the University back in the early nineties, I took two years of German. It was several years after the Berlin Wall fell in 89 and the Soviets pulled out of East Germany starting around 91 or 92. The two Germany's reunited then and it was a HUGE deal here in the USA. The former East German stasi was disbanded and I heard many former East Germans wanted stasi people prosecuted for political persecution. But the West German government decided not to do that, they decided to "let the Cold war go away." But I read after the Cold war ended and the stasi was disbanded one of the industries ex stasi members went into was the insurance industry in Germany. Why? Because insurance is by nature an industry well suited for people good at deceit, gathering information on people (statistics), making simple things complicated by design. Whether that is true I dont know but I read it more than once after East Germany reunited with West Germany.

I personally dont have a single insurance in Denmark. If we didnt get everything from the state for free, im sure people would have insurances just like in Germany.

This is so good to know

As a Russian when you did the whole, 'sleep well Dedushka' part with Ivan, I laughed my head off so hard. Good informative video. Here in NZ or AUS its different, these sort of insurances are part of your Tax which EVERYBODY pays, and are part of a tax on certain goods and services, say cigarretes (that's why they are 40 DOLLARS!!!!!!!!!!!!!!!!!!

You forgot all the really pointless insurances. Like on your phone you buy (or any product on amazon), on the package you send via the postal service and so on. I think in France it's similar. Just that you are likely having 2 insurances for healthcare (one mandatory, and one complimentary), also if you think Germans like to sue, then check out the French. So legal insurance might be worth the money there (but afaik you only need one). Ofc car needs to be insured as well, and they will freak out if you have an accident with a German car, because they will think it's not insured as it doesnt have the french insurance sticker at the window.

Is it actually illegal for a tree to go over the property line in Germany? I'm pretty sure in America that unless it's causing damage, the part of the tree that's over the line is just considered the property of the person whose yard it is intruding into.

Ow, in Holland we have te same but even larger, i pay 26 % to my pension, (1/3 emplopyee en 2/3 emplopyer) and i got all what you have mension except for live Insurance. Alsow, i choice for extra halt Insurance, And than i dont mension the empoyer social contract. (CAO) And you can bee a freelanser, but that also meen whan you are sick, you can satarve.

If you don’t pay into pension insurance, what do you do for old age? In Amerika it is called social security for old age. (So true pay and pay into insurance and when you want to use it, „sorry you’re sh*t out of luck, have a nice day“

Moving to Berlin to work on a special assignment for two years after which I’ll move to another country. Is it possible to be exempted for certain contributions like pension since I’m only there temporarily? Danke

in Italy we have a little less insurances but more taxes

In the US this is worse PLUS you have high deductibles & copays. All w/ paying your high monthly dies. Then if something happens, there is very little longterm support.

Do the Swiss also have a lot of insurances?

Yes you are verry right

Next video you should try to teach us how to pronounce „Haftpflichtversicherung“ (i mean come on, 5 consonants in a row?!?..)

German is such a beautiful language 😉

Having moved to Germany in late Sept 2021 from the US, mostly because of all of your Berlin videos, lol, I was very surprised at how litigious many locals told me that German society is, and how many insurances were recommended. One insurance you didn't mention that was highly recommended to us as apartment renters is "glass break insurance", which is separate from the apartment goods insurance. Break a glass table in your rented flat? Covered. Accidentally break the window glass in your apartment? It's covered! So bizarre...

I remember watching a German horror sci-fi movie about death insurance (basically if you don’t have the insurance they keep your dead body in a comatose state to harvest body parts or for artificial insemination). Now the movie makes even more sense given the German obsession with insurance

I have a question if you haven’t ever had to pay rent do you still need paperwork from your landlord to move to Germany

And when something really finally happens and these greedy a****s just kick you out of the insurance LOL No sense of paying.

For many of the voluntary insurances such as the legal insurance can you just sign up when you are having a legal dispute and than cancel later?

That insurance crazyness is just making me feel very unwelcome in Germany :D I'm really afraid of getting out from the house here (though I'm usually the person who likes to do that). Work remote, don't go from the house, don't speak to anyone and you minimise the risk of getting cases :D Nice video btw!

My insurance plan here in the United States comes with accident insurance

Christmas IS just around the corner! I hope you have a happy and healthy Christmas if we don't see you again before then! 😘 If we do then we will send more wishes 😂😂

I paid personal risk insurance. One time I ripped off the arm holding a projector drunk at a friends place. 200 eur, paid for itself. this one is not bad. but took a YEAR to pay out.

USA is insurance crazy. Home, Vehicle, Medical/Dental/Vision, Long Term Medical, Life (If I die, wife and son are ok), Jet Ski, Water, Gas and Electricity from street to my house, Title on my house, and before I retired from Law Enforcement--Legal Liability up to $1,000,000.00. And I notice lately they are pushing Pet Insurance?

No bicycle insurance? I can't believe it!

What's the difference between health and care insurance? Isn't it the same thing?

This usa, our family has 11 different types of insurance

You forgot to mention the 9th insurance- the GOOSEPERLING insurance. It insured you in case someone is planning to cook your goose

Every word in german sound like operation Barbarossa field assigns 🤣

haha you need to do another collab with Nalf!

Nice video, but that's really just the tip of the ice berg... There are plenty optional insurances for you out there. You basically just covered the most popular/important ones...

Lov this Ivan guy!!!!🤣🤣🤣🤣🤣

What is the difference between health insurance and care insurance. I am with TK insurance my employer pay half and I pay half. Never heard care insurance.

Your hair looks so pretty

Have you done a video about the "BLACK FOREST" yet and it's folklore. I hear it's haunted and most people won't go in it.