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Insurance - Versicherung
Creado 16/02/2005 13:02
Insurance - Versicherung
Does anyone know about an insurance company that has good offer and is reliable?
I currently have Halfpflicht from Allianz. But they are quite expensive. I also want to do Rechtschutz (lawyer) insurance ? I live in Munich.
Some interesting offers I found were from HUK Coborg, Versicherung Kammer Bayern, Hamburger Manheimer, R+V versicherung etc...all seems good but are quite difficult to select !
May be Detlef should also start offering us the some versicherung angebote needed by Greencardholders. Afterall we all trust him !
p_tuladhar41
Usuario desde 17/11/2003
Creado 16/02/2005 13:27
Re: Insurance - Versicherung
Hi,
thanks for your positve view of my person 
It is an honour that you trust me and I will try my best to keep your confidence. I do not want to disappoint anybody by recommending something bad, therefore I need some time to find the right services. I searched long for good lawyers, now I can recommend VPMK and I am searching for other good services, which I can recommend to you, too.
I already found something for health- and life insurances, where you can compare different providers free of charge and nonbinding.
http://www.medicine.de/vg.html
This is only in German language and if you do it, you will be contacted by an independant agent, which could be a bit annoying, but as I said before, you do not have to book anything, it is nonbinding.
This is just a beginning, because my goal is, to develop trust7 as a kind of service portal for foreign experts, working in Germany.
Viele Grüße aus Berlin
Detlef
trust7
Usuario desde 23/09/2004
Creado 16/02/2005 13:38
Re: Insurance - Versicherung
DKV had some special scheme for GreenCard holders, i.e., young people who would not stay here for a long time. Its quite resonably priced. But I am not sure if they still have this offer.
HB
Usuario desde 19/11/2003
Creado 16/02/2005 23:31
Re: Insurance - Versicherung
Hi,
Checkout http://www.comfortplan.de/ may be it can help you.
Regards.
Dilbir
dilbir
Usuario desde 27/04/2004
Creado 17/02/2005 15:51
Re: Insurance - Versicherung
Hi all ,
Can anyone tell me whether a person with govt health insurance is anyways diffrentiated from a private kranken versicherung. eg : is it true that private one get separate rooms (private room) in hospital and get appointment from doctors first.
stier
Usuario desde 13/10/2004
Creado 17/02/2005 16:18
Re: Insurance - Versicherung
The problem with public insurance is that everybody get the same treatment, don't care how much your contribution is.
For private, only 1 rule of thumb .
You get what you has paid.
I got an offer from Nurnberger for 208 euro permonth compare to public -> 500 euro or more.
In my pocket I have saved around 150 euro permonth.
For GC male under 30, it is always cheaper to use private. For female it cost 50% more. for example my wife 320 euro permonth, for the same insurance package and she is younger than me.
My package include: 2 bed room facility, can select doctor for my treatment, although the dental isn't so great deal compare to others but I figure out it is OK.
If you plan to marry in 1 or 2 years, change to private isn't a good choice unless your wife is working too.
hope this help.
VP_2004
Usuario desde 15/11/2004
Creado 17/02/2005 16:25
Re: Insurance - Versicherung
Be aware that not everyone can go for PRIVATE: you need to earn a minimum of 46,350 Euro per year.
"Ein Wechsel in die private Krankenversicherung ist für Angestellte und Arbeitnehmer in 2004 erst ab 46.350 Euro Jahreseinkommen möglich."
http://www.versigate.de/aktion.html
frank
Usuario desde 20/01/2005
Creado 17/02/2005 16:31
Re: Insurance - Versicherung
sorry I forgot to mention the condition.
I think all GC should exceed this number right?
One more condition not to change is if you have children, then better to stay with the public.
To change to private required a carefull selection, look into details and good german skill. Most of the private insurance doesn't have representative in each city except alianz or AXA, but they are expensive.
If you decide to change then take the risk, don't cry like a baby if in the end they don't speak english with you.
VP_2004
Usuario desde 15/11/2004
Creado 17/02/2005 16:46
Re: Insurance - Versicherung
Check www.sdk.de
Its Süddeutsche Krankenversicherung....one of the best. They have different slabs/levels according to what you can pay for.
On their website homepage, you can click on Unternehmen->PLZ-suchen
Then enter your City Pin and it will list you their agent for that area(if any). Most of them speak english also.
Note: If you are unmarried and plan to stay in Germany for short period, then only go for Private.
Soni
nsoni
Usuario desde 17/12/2004
Creado 17/02/2005 17:01
Re: Insurance - Versicherung
My previous message was only a suggestion from my point of view. I myself am privately insured(satisfied also) but sometimes I feel sorry for why I changed to private insurance 4 years back.....speacially when I have to pay separately for my wife and daughter every month
Because at the end of year(X) you will have equation like:
Salary of year(X+1) <= Salary of year(X)
and
Private Insurace cost of year(X+1) > Private Insurace cost of year(X+1)
Have a nice evening.
Soni
nsoni
Usuario desde 17/12/2004
Creado 17/02/2005 17:11
Re: Insurance - Versicherung
Hello guys,
According to my knowledge the company also pays for the private-insurance of your wife provided the total amount does not exceed the amount that is normally paid when you are with public health insurance.
One of my friends is in the process of doing this and will keep you informed.
Cheers
Rajesh
raj
Usuario desde 27/01/2004
