Which Insurances Do You REALLY Need In Germany?
Рет қаралды 22,829
Күн бұрынIn the German land of insurance, it is easy to get overwhelmed with the number of insurances that exist. We differentiate the must-have and mandatory insurance policies from the nice-to-haves and describe when they could be helpful.
✍️ Written Guide On Insurance In Germany [Must-Haves For Expats]
👉 www.simplegermany.com/insuran...
🔥 Feather Insurances
👉 Health Recommendation Tool: www.simplegermany.com/feather...
👉 TK Public Health Insurance: www.simplegermany.com/feather...
👉 Disability: www.simplegermany.com/feather...
👉 Life: www.simplegermany.com/feather...
🔥 Getsafe Insurances
👉 Liability: www.simplegermany.com/getsafe...
👉 Dog Liability: www.simplegermany.com/dog-lia...
👉 Home Contents: www.simplegermany.com/getsafe...
👉 Legal: www.simplegermany.com/getsafe...
With our special Getsafe code SIMPLEGERMANY15, you even get a 15 euros discount.
🔥 Hepster Bike Insurance (Getsafe discontinued their Bike Insurance)
👉 Bike Theft: www.simplegermany.com/hepster...
🔥 Ottonova Health Insurances
👉 Private Health Insurance: www.simplegermany.com/ottonov...
👉 Dental Insurance: www.simplegermany.com/ottonov...
🔥 Tarifcheck Car Insurance:
👉 www.simplegermany.com/tarifch...
🔥 Allianz Travel Insurance:
👉 www.simplegermany.com/allianz...
🔥 Adam Riese Accident Insurance:
👉 www.simplegermany.com/acciden...
📣 The links above marked with a 🔥 are affiliate links. When you click on the links of products we mention and purchase them we will receive a small commission. It will not make any difference to you in price, however, it allows us to keep Simple Germany alive and striving.
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📼 RELATED VIDEOS:
Understand The Popular Private Liability Insurance In Germany
👉 • Understand The Popular...
How to get car insurance in Germany - Step-by-Step Guide
👉 • How to get car insuran...
⏰ Timestamps:
00:00 - Introduction
00:44 - Health Insurance
02:20 - Private Liability Insurance
03:23 - Car Liability Insurance
04:25 - Dog Insurance
05:55 - Travel Insurance
07:15 - How to decide which insurance you should get
07:52 - Home Contents Insurance
08:45 - Bike Theft Insurance
09:32 - Legal Insurance
10:50 - Dental Insurance
12:25 - Accident Insurance
14:17 - Disability / Job Insurance
16:02 - Life Insurance
📺 Subscribe to our channel if you want more information on life in Germany as an expat:
/ simplegermany
We know how frustrating and painful it might be to move to a new country, especially if you don't fully speak the language. That's why we created Simple Germany.
Simple Germany provides tips & information in English about living in Germany as an expat. We talk about services that are friendly and easy to use to beat German bureaucracy. We also cover the cultural aspects of living in Germany. All of this brought to you from the eyes of an expat and a German duo. We want to help you settle in Germany more smoothly.🍻
🍿 Visit our website for more in-depth information on life in Germany:
www.simplegermany.com/
☕️ 💜 If this video was helpful to you, and saved you time of research, please consider buying us a coffee as a small donation.
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#expats #germany #expatsingermany #lifeingermany #expattips
@Romualdomgn84 Жыл бұрын
Thank you. You cast light on many other insurance things, which I would have never thought about. Keep up doing this great work, your channel and web-site are really useful.
@janvier119 Жыл бұрын
Thank you again Jen and Yvonne! really, your channel helps people like me a lot! I visit your channel from time to time, but more often when I have questions about stuff here in Germany. Thank you and happy Holidays!
@moebagheri9772 Жыл бұрын
I am moving to Germany in a few weeks and I have learned sooooo much from your videos. I love how organized and to the point your content is. I just wanted you to know what a big help your videos have been to me. Thank you both!! You are amazing ❤️
@mughalische Жыл бұрын
You’re my favorite new couple on KZfaq. Love your simplicity and decency
@deutschmitpurple2918 Жыл бұрын
This is an incredible video. Thank you ❤❤
@ak_7973 Жыл бұрын
Hey guys, this is really a good video! Thanks for making!
@deutschmitpurple2918 Жыл бұрын
True, my friend
@19800910 Жыл бұрын
Ladies this was a great, correct and very informaty video! Well done. And yes, get the Hausratversicherung. It's worth the money!
@hashimoto00 Жыл бұрын
Video quality is getting better NICE!
@christinaf.3545 Жыл бұрын
Really interesting video, even as a German to compare the prices. What I'm missing is the fact that many of these insurances come in packages and options for wealth-creation. Meaning that if you do not need the insurance, you will get at least the money you paid all the years back. It's like they are managing your money investing in stock market. One example could be BU + retirement + life insurance, so either you could get pension after 6 months not being able to work or additional retirement or your family will get the money.
@anchouse94 Жыл бұрын
Thank you for yet another super useful video! Love the new studio, and the sound is great ;) Maybe a tip - do compare health insurances on check24 or something, I also opted for TK when I just arrived to Germany (was told it's the one everyone gets), but compared the companies later and realized there are other companies, that offer more and... cost less! Saved 10Eur a months (hello Disney+ :D) and get my teeth cleaning partially covered, too!
@anchouse94 Жыл бұрын
Number of insurances in our household - 6 :D Health, liability, home contents, legal, travel, car.
@desmondbaptiste861 8 ай бұрын
I'm from Trinidad and Tobago and I started watching your videos a year ago when I was preparing to move to Freiburg for studies. I really appreciate the information you guys put together. Was hoping you would've mentioned glasses insurance though 🤓😅
@miem9775 Жыл бұрын
It's really important to have the BU (disability insurance) as young as possible, bc they really can deny you their service based on your medical history. For me as a person with lots of therapy and some mental health diagnoses I could still get a BU but they wouldn't cover in any case of mental illness.
@simplegermany Жыл бұрын
Yes, very true.
@fannychristozova8158 Жыл бұрын
So you're saying that what makes it so much advisable to seek it the younger the better, is the prospect of more medical history, not your age in itself. I for example, knock on wood, haven't had any medical history of illnesses (aside from catching cold every now and then), and I'm already a bit past my 30's. Will that make it difficult for me to get just based on my age?
@miem9775 Жыл бұрын
@@fannychristozova8158 As far as I know, it just depends on the medical history.
@fannychristozova8158 Жыл бұрын
@@miem9775 Thank you, and I hope in the end it all works well for you, in spite and despite all challenges you've been facing. Looks like we have a real fighter here! 🙂
@manfredconnor3194 2 ай бұрын
I missed getting this young and I really regret it!!!
@MedleyWorld Жыл бұрын
I enjoyed the video and I saved it too. Been living in Germany for 8 years now with no insurance except the public health insurance, i didn't even know all these insurances existed 🤦🏽♀️ thanks once again
@ebbyc1817 Жыл бұрын
Girl me too! 5 years. No insurance. Now I feel embarrassed for something I never had and never thought I needed.
@DavidReinhardInVertas 8 ай бұрын
@@ebbyc1817 Many expats feel the same way:) I advise expats in Germany regarding private pension plans and retirement planning and I hear this statement al lot:) Especally then we talk about how you can save taxes, it is always "I wish I knew this already 5 years ago"
@Marymationnn Жыл бұрын
Thank you for this very informative video
@deutschmitpurple2918 Жыл бұрын
🤗🤗💕💕
@rocksneha059 2 ай бұрын
i came across your channel today and today itself got myself a liability insurance which i have been putting off for 5 years due to no information or fearing the research work about it. Thank you!
@hikingviking859 Жыл бұрын
It’s turning out to be tough to get a software engineer job in Deutschland from the US. Even with a disability! I was asked for a Schwerbehindertenausweis!
@simplegermany Жыл бұрын
Sorry to read you’re having a tough time finding a job. To be honest, we don’t have much experience with the disability certificate you refer to. Is your disability certificate from the USA not being accepted? In another note, arbeitnow (www.arbeitnow.com) has job openings in English. Might be worth a try applying to jobs listed there.
@satrabasu Жыл бұрын
For health, TK is best
@valeriet5581 2 күн бұрын
Great video! So much useful information for our upcomming move to Dusseldorf. Lo aprecio mucho!
@mdsohrab4659 Жыл бұрын
Please make a video in ''Duales Studium''. Discuss all details and all requirements for foreign students.
@rishiraj2548 Жыл бұрын
Thanks a million
@deutschmitpurple2918 Жыл бұрын
❤❤❤❤
@iamawesomeheheh Жыл бұрын
Hi, is it possible to get both public healthcare insurance and private? Reason I asked is because I have pre-existing condition and I want whatever is not covered by public insurance to be covered by private.
@ak_7973 Жыл бұрын
I have the following insurance policies - 1. Health Insurance 2. Rechtsschutz 3. Privathaftpflicht 4. Hausrat 5. Travel Insurance 6. Krankenversicherung (Auslandschutz - Envivas) 7. Private Accident Insurance (Auslandschutz)
@simplegermany Жыл бұрын
That reads like a good list 😁
@DigitalDissident Жыл бұрын
That's so much, the mail alone & amount of paperwork I'd receive if I has all thise would drive me insane
@jennygodschalk2880 Ай бұрын
And how much does that cost ?
@dinakhalifa1995 Жыл бұрын
Feather also offers dental insurance btw :)
@marleyca3795 Жыл бұрын
My advice: make sure you apply welllll in advance to the health insurance. Like more than 2 weeks. I thought I could apply and have insurance by the end of the week. Not so. Unfortunately I did not qualify for Ottonova so now I am scrambling to apply to some other insurances and they all have a wait for 5-7 business days after submitting!
@simplegermany Жыл бұрын
With private health insurance it can indeed take longer due to the health checks. Have you talked to our partner Feather Insurance? They help a lot with the involved bureaucracy: www.simplegermany.com/feather-health-yt/
@talibdaryabi9434 Жыл бұрын
Hey, thank you for your hard work. Can we switch from public to other public insurance if we are unsatisfied with one's services? How can we do it? And what are the processes and requirements?
@simplegermany Жыл бұрын
Hey, yes you can change between public health insurance providers. Just check with your current one what is the minimum amount you have to be with them. Most public health insurance require that you are with them 24 or 48 months. If you have already completed that time, you just need to sign-up to the new one and they will cancel your contract with the old health insurance provider. Another choice, is to contact the new public health insurance provider and ask them if you can sign-up with them :) hope that helps!
@DavidReinhardInVertas 8 ай бұрын
Also do not forget private pension insurance, as what you get from the government pension system is very low. In many cases you can even save taxes with that. Just recently made a video about this on my channel, feel free to check it out.
@bjorn6530 7 ай бұрын
#AdvertismentForOwnProducts 👎👎👎
@margotpeltot77 Жыл бұрын
Hello, thank you for the video :). I am living in Germany and I have a question. I have checked the "Hausratversicherung" and the "Wohngebäudeversicherung". As I am renting a furnished apartment and I don't own any valuable stuff I currently don't have a Hausratversicherung. But I was wondering in case the apartment catches fire because of me cooking or flood because of me taking a shower, do I need a Hausratversicherung, or the Wohngebäudeversicherung of the owner is enough and I wouldn't need to pay for the repair ? Thank you
@simplegermany Жыл бұрын
If you damage your rented flat, your liability insurance should be the one to cover. You can read all about it here: www.simplegermany.com/best-liability-insurance-germany/ or watch our video on liability insurance: kzfaq.info/get/bejne/prN0ZbR8zLK0cnU.html
@kianostad Жыл бұрын
Could you please elaborate on information about health insurance add-ons? In my country, people are insured by law as long as they are employed. However, it is possible to purchase add-ons for additional, better, or higher-quality services. I was wondering if something similar exists in Germany, where someone insured publicly (in my case by TK) could purchase add-ons such as a private room in a hospital or quicker access to specialists, similar to private insurance.
@DavidReinhardInVertas 8 ай бұрын
You can buy add ons or switch to a private health insurance, where you have better and faster treatment. You have to be healthy and make over 7k/year to join though. I just recently made a video about that on my channel.
@bumlacalacalacabum Жыл бұрын
Great video! I have one question. Will Privathaftpflicht Versicherung cover any damage made by my toddler or should I get a separate one for him?
@kilsestoffel3690 Жыл бұрын
Normaly, your toddlers are included, but better ask. My insurance includes every underaged child that lives in my household and toddlers under my surveillance.
@simplegermany Жыл бұрын
Yes, you can insure your family under the same policy. You will have the option to add your family members when signing up. 😊
@thorstenguenther Жыл бұрын
It should be mentioned that public/statiutory health insurance automatically and without extra charge(!) covers your children and non-working husband/wife. Private insurances will charge extra for that.
@AAhmed79 Жыл бұрын
one question, although not on below topic, about driving license, can we change driving school? any idea about a good driving school which could help in English (in Dusseldrof) please?
@simplegermany Жыл бұрын
It should be possible to change driving schools. This website lists English driving schools: www.clickclickdrive.de/en/
@RustyDust101 Жыл бұрын
Changing driving schools is definitely possible. There is no legal reason why you shouldn't be able to switch a driving school. Finding one who teaches in English may be a bit more difficult, depending on where you live. Düsseldorf as a fairly large city should not be toooo difficult, but then again, it's been a long time since I lived there.
@jpmarqu Жыл бұрын
First of all thanks for the video and all the content you share is this channel! Lots of value information. After this video I actually did some insurances and I went with your suggestion for GetSafe but their service is just horrible. It looks like a scam honestly. There are no phone numbers and they don’t reply to the emails I sent weeks ago. Obviously this is not your fault, but just so you know, because maybe you’re putting your hands in the fire for a company that doesn’t care about the new customers you’re bringing. I wouldn’t like that. Keep going with the great job your doing though!
@simplegermany Жыл бұрын
Wow that’s the first time we hear such a horrible experience! Thanks for letting us know. We will look into this. Have you tried to see if the answers might have landed in your junk/spam folder? Also sometimes with gmail the answers land in the “promotions” tab.
@jpmarqu Жыл бұрын
@@simplegermany Yes, I checked the spam folder. After giving a bad review on Google a couple days ago, they finally contacted me back. It is just not a nice situation to deal with, especially when it is related to money. But again, this has nothing to do with you. I just wanted to let you know that there are people in the same situation as me and that you're maybe not aware of it. Anyway, keep doing the awesome work you're doing, really! It is much appreciated.
@simplegermany Жыл бұрын
Thanks for letting us know! Glad they got back to you. Sorry to read it took a bad Google review to achieve a response. Will definitely try to find what's going on :)
@nevintk8 Жыл бұрын
please make a video of AUSBILDUNG for international students
@karinland8533 Жыл бұрын
What are your questions?
@haydnrust5266 Жыл бұрын
Hi @simpleGermany -do you have a video on health care insurance? / medical aid? how much does it cost etc, what are the best options for a young professional expat starting out in Germany (25 years old)
@simplegermany Жыл бұрын
We have a guide which explains health insurance in Germany in depth: www.simplegermany.com/private-vs-public-health-insurance-germany/ 😊
@DavidReinhardInVertas 8 ай бұрын
We recently made a video about that on our channel. Also with the possibility to talk to an expert, who can compare all the insurance companies in Germany. Feel free to check it out.
@utubenaveenid 8 ай бұрын
Super informative video, thanks. Two small questions: 1. While living as a tenant in Germany, if there are any damages in my house(e.g. molds or wooden floor damage), which insurance covers it? 2. If there are damages caused in other apartment of my building due to e.g. water leakage from my apartment, is it private liability insurance that covers this situation?
@simplegermany 8 ай бұрын
1. That highly depends. In our research, we found that mold is typically not covered by insurance but it depends on the case. 2. Yes!
@bjorn6530 7 ай бұрын
@@simplegermany 2. "leakage" is not specified here in more details. In case e.g. bath tub is overruning as not paying enough attention to it private liability insurance might take over. Any defect on fresh- and/or sewage water pipes causing overflow (in other appartments) is in responsability of the owner of the house/appartment. "Gebäudeversicherung" (building insurance) should cover it. So, this is not in responsibility of the tenant. Owners often try to blame it to their tenants anyway. Be aware!
@jennygodschalk2880 Ай бұрын
If you rent the place the owner is responsible. So the owner needs to have insurance
@borntoexcel14 10 ай бұрын
Very Nice!❤ I am paying already for Mieterverein(Tenants Association). Do I still need to get Legal insurance? Is immigration related problems are also covered in legal insurance?(Visa, Ausländerbehorde, etc) Thanks.
@nara7032 Жыл бұрын
Vielen Dank für Ihres Video! Könnten Sie bitte auch über Online Auswisefunktionen erzählen? Wie funktioniert diese E-Gov-Dienste? Ich bekomme ein Paar Briefen darüber und weiß nicht ob überhaupt man das braucht.
@simplegermany Жыл бұрын
Thanks for your suggestion! To be honest, we’ve never enabled it and have not needed it so far. We can look into it for a future video. Maybe we might learn something as well 😋
@Skybreaker6 Ай бұрын
Oh I just found out you speak spanish. Sabes si es posible cambiar de seguro de coche si lo acabo de contratar? Lo contraté hace 2 semanas más o menos. O ya no es posible cambiar y tengo que esperar el año entero? Que es lo que dura el contrato.
@simplegermany Ай бұрын
You need to check your T&Cs. If the Wideruf period is already passed, we would guess that you have to keep the contract for its duration.
@baumaus9014 Жыл бұрын
I got my teeth fixed already for my arrival in September and will do as my cousins do: When I visit Honduras, I'll get my eyes and teeth checked for cheaper prices. xD
@simplegermany Жыл бұрын
Eye and teeth checkups are free in Germany thanks to health insurance 😉
@german_class_videos Жыл бұрын
Is it a good idea to get all the insurances from a single company to ease the management? and just get the legal insurance from another provider so that in case of any dispute regarding insurance cover, there won't be any conflict of interest?
@simplegermany Жыл бұрын
That is really up to you :) There is no right or wrong way. You can compare terms and conditions for each insurance you want and base your decision on that :)
@kaworunagisa4009 Жыл бұрын
Great content as always! So, out of curiosity, if I live in a rented flat with my cats and they scratch the landlord's property, would that be covered by my liability insurance?
@simplegermany Жыл бұрын
Normally cats are included in the private liability policy. However, it’s best for you to ask directly to the insurance company.
@deutschmitpurple2918 Жыл бұрын
👍👍👍👍
@robieron6623 3 ай бұрын
Hi I’m student had 2 year study program last year had contract with tk now I turned in 30 the contribution got doubled 239 euro it’s pretty expensive for me . Should I apply private now and may I have best private insurance. Can u tell me
@krugerfuchs Жыл бұрын
Why do you need the first two
@arionfar Жыл бұрын
what about unemployment insurance?
@thorz7304 Жыл бұрын
You can't work without paying that. It's automatically substracted from your wage.
@rolajaber9276 Жыл бұрын
Hey Ladies 👋 I Have a question please, hoping you know about this. I am signed up to public insurance with Barmer, and recently had to remove my wisdom tooth which is covered usually by public insurance. But before the surgery they had to do a 3D scan which was necessary before the operation, and they did tell me this is NOT covered usually by the public insurance but rather the private. However, i was told by friends that still because this 3D scan is technically part of the operation and such, then after i pay for the scan i can send my invoice and proof of payment to the insurance company and they should reimburse. 2 at least told me have done the same. Is this really possible?
@Furkan-Odabasi Жыл бұрын
Are you happy with Barmer?
@DavidReinhardInVertas 8 ай бұрын
The coverage in the public insurance just keeps getting worse and worse. If you have the possibillity (healthy + 70k+ salary) I would consider switching to private health insurance. We recently made a video about this, also with the possibility to speak to an expert that compares all the private health insurances in Germany and helps you make the right choice, feel free to check it out.
@andreea.andreea Жыл бұрын
great useful content always how do you manage it?🤗
@simplegermany Жыл бұрын
Thanks Andreea! It’s our goal to create the best and most accurate content for you 😊
@ehemalssimehtt3739 Жыл бұрын
❤ Simple Germany ❤ Insurances, nice to have! But not more.
@kirtianmoljoshi8999 Ай бұрын
I got acl injury. will german insurance cover my surgery cost??
@simplegermany Ай бұрын
If it happened while you were living in Germany, they should, yes. But your doctor and insurance can let you know for sure 😊
@mianshahmirali1607 Жыл бұрын
I'm a working professional and would like to choose a public health insurance. Could you please help me choose between TK and SBK health insurance?
@simplegermany Жыл бұрын
For personal health insurance advice, you can use the recommendation tool from our partner Feather: www.simplegermany.com/feather-health-insurance/
@aylinedaustu8431 3 ай бұрын
Hello ! My company provide betriebliche Altersvorsorge (Direktversicherung). But for benefit that they have told me I need 'pension scheme insurance' first. Can you also give information about that? Where can I make this insurance and would it worth? Also the video about the benefits companies provide would be great :)) . For example my company also offer , Vertrag über vermögenswirksame Leistungen (VWL).
@angelzhelyazkov Жыл бұрын
Oh, I pay 135€/month for public health insurance (it is mandatory) in Bulgaria. And that's just for me. 😕
@fannychristozova8158 Жыл бұрын
I assume you mean the 8% thing within the paycheck taxes. As a Bulgarian myself too, first I feel you.. But are you sure you mean 135 EUR and not BGN? Because then you must be getting paid waay above average (for our standards). 🙂
@angelzhelyazkov Жыл бұрын
@@fannychristozova8158 I'm sure. :) It's 8% of the income (if you tend to use sick leave, otherwise it is 7%), but since mine is above 2000EUR the amount for health insurance is 135€/month. As a Bulgarian, you're probably aware that we get almost nothing for that money when we need medical treatment.
@fannychristozova8158 Жыл бұрын
@@angelzhelyazkov Yes!! Angel, I couldn't agree more. The pitiful truth is it all *looks* like a working healthcare system, but it feels like a mockery. Sorry if I was being a little edgy to you, just your first comment sounded to me maybe a bit misleading for someone who hasn't experienced life in Bulgaria. 🙂 I'll be moving to Germany towards the fall and I know there will be a few hurdles and perhaps excessive carefulness around, but in the end of the day all that matters is to finally know my worth and live in a mirrоr-like envirоnment, which Germany is - the way people and counry treat you will be a reflection of your attitude and your efforts, in stark contrast to our 'мила родина'. 😜
@agoecmen4720 Жыл бұрын
Thanks for the great videos. Can you guys also make more videos about pets? For example I wonder how is the pet sitting there? I'd like to leave my dog in good hands if I have to go to travel without her. Also a video about veterinarian price maybe.
@simplegermany Жыл бұрын
You can leave your pet it official pet pensions while you are in holiday or find a pet friend once you are here. Hundelieb is an app to find people nearby who would like to take care of other dogs. 😊
@muhammadsarimmehdi Жыл бұрын
Does legal insurance also cover the use of immigration lawyers within Germany (when dealing with the notorious auslanderbehorde for example)?
@simplegermany Жыл бұрын
That’s a good question ☺️ I’d say every legal insurance is different so you could contact them and ask.
@yashbhesaniya5658 Жыл бұрын
Is there any insurance available for mobile (stolen or lost) in germany?
@simplegermany Жыл бұрын
Yes there is, but it is often not worth it. Theft is often covered by a household insurance.
@yashbhesaniya5658 Жыл бұрын
@@simplegermany ok, Thanks for your reply
@cg6511 Жыл бұрын
Best insurance is not to buy that of a costly mobile. ;-) I've never paid more than 300 bucks for a mobile. That aside, i would be way more intimidated about my credentials getting abused/stolen than about the mobile itself. That's the least you'd have to worry, when a steal would actually happen.
@isasinclair603 Жыл бұрын
Great videos! I am a German-turned Canadian because I chose Canadian citizenship after I married in Canada but my children who were born when I was still a German, all have the German passport. The younger children don't, because I was Canadian when they were born. So now one of my daughters with dual citizenship is moving to Germany after she got her Masters in violin performance and is planning to audition at orchestras. So health insurances seems a bit complicated initially, before she has a job. Do you know if she can get Expat Insurance as a dual citizen? Someone told me Germans can't get it but she is also Canadian? Thank you and I will get her to subscribe to your channel!
@isasinclair603 Жыл бұрын
Oops, I just got my answer, thanks to one of your recommendations (feather). Again, thank you so much for sharing your experiences and wisdom!
@majorkerr1333 Жыл бұрын
One issue I’m having is finding a health insurance option that covers preexisting conditions. I have HIV so, I need access to medication 💊.
@simplegermany Жыл бұрын
Public health insurance covers all pre existing conditions. So you can look into that ☺️
@majdoulinamakbal7996 Жыл бұрын
Shout out to Clean Code hahaha
@chellastation Жыл бұрын
Why does Getsafe doesn't cover dental? 🤔
@simplegermany Жыл бұрын
Oh, sorry @chellastation1676 I had totally not seen that Getsafe does offer dental. Here you can find more information: www.simplegermany.com/getsafe-dental/
@monzzom6115 Жыл бұрын
Yvonne is just gorgeous 😍
@krugerfuchs Жыл бұрын
If you don't want any insurance can you go to Germany
@simplegermany Жыл бұрын
Yea of course. Just health insurance is mandatory. The others are voluntary.
@dr.franciscocalderoncortes5694 7 ай бұрын
Hello Dear Simple Germany, I started using Get Safe on the basis of your videos, of course it's up to me which one I decided, however I wanted to share my experience, they are not very responsive no explanations of the procedure, no call backs, experience so far very frustrated, just in case you want to have an opinion of a consumer of expat insurance. Mit freundlichen Grüßen Dr. Fran
@simplegermany 7 ай бұрын
Thanks for sharing and sorry to hear you haven't had a positive experience so far. Do you mind expanding a bit more on what you mean exactly with 'no explanations of the procedure'?
@alexbezdicek Жыл бұрын
Bike theft link is broken
@simplegermany Жыл бұрын
True that! Just updated it. Getsafe discontinued their bike insurance. Hepster is another alternative.
@ebbyc1817 Жыл бұрын
If only there were an "emotional heartbreak" insurance😊
@simplegermany Жыл бұрын
😅
@turjo119 Жыл бұрын
Me before watching this video: Just how many insurances can you have ? Germany: Yes
@turjo119 Жыл бұрын
I also should menton that I think this is the first full video I saw in your new office and I just noticed the acoustics are very different from the other videos in your previous (attic?) setup. Not bad just different to the ears. Was that an intended effect?
@simplegermany Жыл бұрын
Yeah, the office had a very strong echo. We’ve done our best to reduce it with some carpeting, acoustic panels, and a new mic. This insurance video and the one coming out today did not have all the improvements yet.
@turjo119 Жыл бұрын
@@simplegermany New vid? 👀
@fannychristozova8158 Жыл бұрын
@@turjo119 Of course new vid, it's Monday! 😉 Ever since mid school I haven't loved Mondays so much. 😄
@simplegermany Жыл бұрын
🤣
@veronikastelakilian8205 Жыл бұрын
Where do you live where beer costs 3,50? :D Definitely not Munich, right? :D
@simplegermany Жыл бұрын
We live in Düsseldorf :)
@manfredconnor3194 2 ай бұрын
Und was ist mit RENTENVERSICHERUNG?! Why haven't you covered this one? Hmmmmm? 😊
@simplegermany 2 ай бұрын
We have a separate video on pension. 😉
@manfredconnor3194 2 ай бұрын
@@simplegermany Ooh, I missed it. I will have to look for it again, thanks!
@peterkunze7532 Жыл бұрын
Hübsch
@hipotalamusi Жыл бұрын
Hey you started to speak smothely as well 😂 in 0.50 speed what happend
@DigitalDissident Жыл бұрын
I want to know how life insurance agencies are doing with all the "vaccinated" lab rats having side effects from their mRNA shots.
@fannychristozova8158 Жыл бұрын
Life insurance agencies will be happy to address your question. Have you tried asking it with this exact phrasing first, before pooping it here? (oops, the Ginger is correcting me to mean 'popping' it')
@RustyDust101 Жыл бұрын
Considering that roughly of the roughly 60million 'lab rats' who've been vaccinated there have been only a very tiny minority with long term side effects the life insurances are still going to be very very happy with the vaccinations. Because life insurances also have to pay for death by disease. Here it boils down to the cost-and-effect calculations. The number of people with long term side effects is startlingly small, compared to standard vaccinations. With the roughly 4.5 BILLION people already vaccinated, the total number of long term side effects all around the planet are still number in only the hundreds of cases. If you take how many lives were saved, and how many lives have NOT had to suffer from long covif effects, the life insurances will be falling to their knees in praise of the vaccines. So please, get off your conspiracy trip, find real information, and stop spinning the stupid narrative. It's already been a dead horse when it was started. It is currently definitely in the 'decomposing' time frame.
Skitsville
Рет қаралды 19 МЛН