High-performance international health insurance is essential for any longer stay abroad.
The tariffs offered on the market are varied and differ significantly in many aspects of benefits. You are already familiar with the excellent German health insurance system, with nationwide access to doctors, hospitals and rehabilitation facilities, as well as (almost) seamless insurance cover with no limits on sums insured.
on sums insured. Naturally, we would be reluctant to give up this standard. For this reason, we attach great importance to ensuring that the health insurance concepts we offer meet European and, above all, German standards. You should therefore check each offer for the following features in order to be able to distinguish high-quality from mediocre and incomplete cover:
– No limit on the amount of insurance benefits
– 24-hour worldwide assistance services
– No waiting periods
– Free choice of doctor and hospital
– Direct billing
Even in the most secure home, damage caused by fire, mains water, storms, hail or burglary cannot be completely avoided. In addition to the cost of replacing furnishings, clothing and everyday items, you may also have to pay for hotel accommodation. The entire contents of the home listed in the insurance policy. Household contents include all furnishings, articles of daily use and consumables as well as valuables and cash. Household contents outside the home are also insured as part of the external insurance.
The standard cover includes:
Fire, lightning, explosion & implosion
Burglary, vandalism following a break-in and robbery
mains water
Storm / hailThe following extensions are possible:
Damage caused by forces of nature (flood, inundation, backwater, earthquake, subsidence, landslide, snow pressure, avalanches and volcanic eruption)
Breakage of glass
Glass breakage
Theft of bicycles
All-risk cover (unnamed perils)
Claims can quickly result in considerable expenses. Insurance policies that were set up in Germany are often only valid to a very limited extent outside Europe. Often the “worldwide” cover is only limited to a few years abroad or even expires completely if you move out of Germany or Europe. It is therefore advisable to inform your previous insurance company if you are going to be living abroad
and have your insurance cover confirmed during this time. If this is not possible, we can find solutions for you with our partners. Corresponding confirmation should also be obtained for other contracts such as accident, occupational disability or legal expenses insurance, etc.
In Germany, around 1.8 million people receive a disability pension from the statutory pension insurance scheme. However, even this limited protection is usually lost during the course of your stay abroad. Yet your ability to work is the basis for the livelihood of you and your family. Private occupational disability insurance offers you comprehensive protection. As a rule, benefits are also provided worldwide. The pension amount and the final age can be adjusted to suit your personal needs and life planning.
Life insurance is a type of insurance that provides financial security for your family and loved ones in the event of the policyholder’s death. In the event of the policyholder’s death, the designated beneficiaries receive a predetermined sum, known as the death benefit. This payout can be used to cover the financial needs of the surviving dependants, such as funeral costs, outstanding debts, mortgages or ongoing living expenses.
In addition, life insurance can also serve as a long-term form of savings. There are different types of life insurance, each offering different benefits and functions. One of the most popular forms is endowment insurance, which combines a death benefit and a savings component. Here, the insured person pays regular premiums during the term of the contract, some of which are invested in a capital investment and thus enable a surrender value or a payout on expiry of the contract. This accumulated capital can be used for various purposes, such as major purchases, education costs or as additional retirement provision.
Retirement provision is an essential part of personal financial planning and plays a decisive role in ensuring a financially secure future in retirement. It enables you to build up a financial cushion that ensures a certain quality of life and independence even after retirement.
There are various forms of pension provision, including occupational and private pensions, state pension insurance and private savings plans or insurance. Each of these forms offers specific advantages and disadvantages, depending on individual needs and financial goals.
State pension insurance is a fundamental component of old-age provision and guarantees basic security for retirement. It is based on the pay-as-you-go system, in which the contributions of those in employment are used to finance the pensions of current pensioners. In addition, supplementary measures such as occupational pension provision or private pension insurance can help to close the pension gap and guarantee your standard of living in retirement.
A private pension offers you the opportunity to save additional capital and benefit from attractive returns. Private savings plans or pension insurance allow you to make flexible provisions for your retirement and respond to your individual needs.