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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 17/02/2005 20:47
Re: Insurance - Versicherung
Hi,
If you are single and you donot plan to marry then it is beter that you switch to private health insurance to save some money. I had private health insurance with Allianz. I also has an operation while with this insurance and believe me there is no difference in the treatment if you are either private or public. If you have a family the maximum amount your company will contribute is around 250 euros and if your combined insurance of your family is more than 500 euros then you might have to pay some extra money and its not taht easy to switch back to public as most people think. The other disadvantage of private insurance that i have faced is that you are always in a process of writing your claims to your insurance company, settling the amount with doctors. This seems easy but sometime it is very irritating especially when the doctor charges more and your insurance company refuses to pay the full amount. I had many cases like these. You are then just the middle man between your doctor and the insurance company.
The cost of private insurance with one child is almost the same as that of the public insurance and it is better to remain with public if you are planning to have two or more childs otherwise private insurance will cost more than public.
Conslusion:-
1. There is no difference in treatment / medicine / doctor appointment for private and public.
2. If you have a family keep the public health insurance.
M.K
imranahmadkhan
Usuario desde 17/02/2005
Creado 18/02/2005 9:30
Re: Insurance - Versicherung
Hi I am looking NOT for krankenversicherung but rather privat and Rechtschutz versicherung.
p_tuladhar41
Usuario desde 17/11/2003
Creado 18/02/2005 9:34
Re: Insurance - Versicherung
I don't agree if you said no different treatment between private and public.
1 of PKV-er experience, she made appointment with the treatment clinic, the clinic gave the appointment 3 months ahead. Then she said that she is in PKV, and she got it in 1 week.
I think that's tell you a difference.
One has to judge case by case, and remember:
You get what you have paid.
VP_2004
Usuario desde 15/11/2004
Creado 18/02/2005 10:11
Re: Insurance - Versicherung
But even if you have GKV (Gesetzliche Kranken Versicherung) and tell your dentist that you have toothache, you will get an immediate appointment. I told my doctor (General medicine) that I have throat infection and I got an immediate appointment.
But in the case of single roon in hospitals, its no wonder as you pay more, and surely will get more.
Can someone enlighten this: I have heard that you cant comeback to GKV from PKV, in case you want later on. I mean, if I lose my job, I surely want to change from Privat to GKV!
Regarding Rechtschutzversicherung, the most famous one in DE seems to be DAS. www.das.de
Or else as Detlef said: You dont need RSV as they take up cases only which they think they´ll win. And in this case you wont lose any money as the defendant will pay your lawyer!!!
-Fred
fred
Usuario desde 15/04/2004
Creado 22/02/2005 10:46
Re: Insurance - Versicherung
Hi all,
I'm holding an AOk student Kranken insurance but as i would exmatriculate in next month i asked them to cancel it .From next month i'm planning to take a private Insurance which is cheaper Student Classic Tariff (with Accident And 3rd party liability) which is 33€ per month.
http://www.ausland....de/are_eng/index.htm
The person in Aok said me if i could show him a proof that i would be insured to private agency from the next month he could cancel it and said a condition that i'm not allowed to take a private insurance as i am a practicant without student status and should compulsarily take Govt insurance.
Could any one of U throw light on this topic.....
Details : My student status would expire in March and i don't know if it is Nach Practicum visa or something as i have a visa titel "Aufenthalts Erlaubnis" and mentioned in another page as "practicum and my firma name "in passport.
Was the person in AOK right or i doubt if he is trying to make me insure with AoK for 1 more year instead of private one?
Could i insure with a private Agency(look above web link)?
waiting for replies...
Venkat
kramanarao
Usuario desde 02/02/2005
Creado 28/02/2005 17:28
Insurance - Versicherung
I would like to ask you a new question: I am a PhD student employed by the German University(Under 4 year contract). I am currently insurred by TK. Can I change this insurance agent and apply for an insurance in a private company like Mawista? What happen with social insurance if I change the insurance company? Now, my social and health insurances are paid through TK:
Nguyen
Usuario desde 28/02/2005
Creado 03/03/2005 10:55
Re: Insurance - Versicherung
In this chain i would like to know if i should change to privat versicherung since both of us (me+my wife) are employed.we have a govt health insurance.Atleast i think i save some money.what do u all say?
stier
Usuario desde 13/10/2004
Creado 30/04/2011 16:59
Re: Insurance - Versicherung
@stier and others,
i am in a similar situation, but my my wife is not working, we dont have kids and my earning is approx. 60K brutto. What are the advantages of switching from Gesetzlich to Pivat versichernung?
rohit2009
Usuario desde 31/08/2009
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