Vandalism and insurance coverage

Image result for vandalismVandalism is generally the intentional damage or destruction of property. However, many insurance policies exclude this damage from regulation. For motor vehicle insurance, for example, there is only a fully comprehensive insurance for damages – a partial coverage is not sufficient here. Incidentally, this also applies to glass damage caused deliberately. For apartments and houses, two insurance companies are eligible for claim settlement: homeowners insurance and home contents insurance. In practice, however, vandalism is usually covered only by home insurance.

However, the insurance cover usually only applies if the perpetrator has invaded the living space – the “creeping”, such as through an open window, or a mere damage from the outside is an exclusion reason for the claims settlement in most policies. In residential property insurance, vandalism is usually not part of the insurance coverage, as it covers only damage that occurs without the intervention of people, such as storm or fire damage. But many insurance companies offer an additional policy, which can also be used to protect against vandalism.

Conditions for supplementary insurance for homeowners insurance

With the additional insurance you should, however, also look closely, because as so often is here, too, the devil in detail. For example, it makes a difference whether a multi-family house or a single-family house is insured. Some insurers exclude, for example, single-family homes with the vandalism insurance, because here the risk of insurance fraud seems too high.

For two-family houses, where there is usually no shared property, only the part of the building that you live in as the policyholder is insured – the neighboring house is not covered by the insurance cover, even if it forms a structural unit with the insured house.

As the owner of an apartment, you are dependent on the owner community of the apartment building, since only she can take out insurance for the entire building. In addition, usually only parts of buildings are insured, which are subject to the “common use of the household community”. These include, for example, the front door of the building or the staircase, but not the room doors within the apartments.

For one and two-family houses, where the entire building is used by the policyholder, however, fixed furniture, such as built-in wardrobes, room doors and the like, is also insured. In addition, generally insured accessories are usually used for the maintenance or use of the living space, such as:

  • awnings
  • trash cans
  • Washing facilities
  • outdoor antennas
  • canopies

Outbuildings often depend on their size or purpose. Some insurance companies exclude ancillary buildings of a certain size from the insurance cover, others require that the buildings are used at least partially for residential purposes. Therefore, it is best to inform yourself carefully about the terms and conditions of the contract if you want to insure an outbuilding.

Fact circumstances are decisive

Image result for building insuranceHowever, the insurance cover is not only dependent on the structural conditions, but also on the facts of the case, which caused vandalism. As a rule, insurances presuppose an “unauthorized intrusion”, which the policyholder has to prevent by appropriate measures. The property itself usually no additional security is required, buildings must be closed, however, so that the insurance cover intervenes – so if, for example, the door to the garden shed not locked, the insurance is not for damage in the cottage.

Basically not covered is the theft of objects, as this is not vandalism. Damage caused by a burglary attempt, however, are taken over by most insurance companies. However, it must also be clear here that the culprit has tried to invade the building. If teens “only” throw a stone through a glass, this is generally not considered a burglary attempt.

A special case are graffiti – these are considered vandalism, but have to be additionally insured for some insurances. In addition, the settlement of claims is often linked to other conditions. Thus, the graffiti may be in some insurance only up to a certain height on the wall. Therefore, inform yourself exactly about the contract conditions before applying for such additional protection.

Waiting time & coverage

Not only the conditions for the settlement of claims are decisive in a vandalism insurance, but also the amount of the coverage and any waiting time. Make absolutely sure that the coverage amounts set by the insurance for your living situation are sufficiently high. If this is not the case, adjust it before concluding the contract. Although this increases the costs for the policy, an insufficient coverage amount is in case of the cases, however, much more expensive.

When waiting, you usually have little bargaining power, but it can be the benchmark when comparing several offers. Because in the worst case, you can sit in the waiting despite the insurance policy on a loss – even if it is not necessarily likely that occurs during the waiting period, a claim.

Cost of a vandalism insurance

In contrast to other insurances, the costs of supplementary vandalism insurance are relatively difficult to quantify, because they depend not only on the value of the insured objects, but also on external circumstances. There are areas where policies are more expensive than in other neighborhoods due to frequent vandalism cases.

By way of example, however, it is possible to clarify what additional protection against vandalism damage in homeowner insurance costs. The following basic requirements apply to the example:

  • Constantly inhabited, two-story family house in Dusseldorf
    • Attic developed, basement available
    • Tiled roof and massive concrete walls
    • Total living space: 180 m2
    • Year of construction: 1997
    • A garage available
  • The policyholder is self-employed

For a regular homeowners insurance in this example annually about 506.13 euros are due. If additional damage to the building by third parties and graffiti shops are to be insured, an additional 14 euros will be added each year. However, a graffiti damage of 300 euros is provided here. If a general deductible of 300 euros is agreed, the policy, including vandalism protection costs about 398.43 euros a year.

Deductible – useful or not?

For most insurance companies, it is possible to agree on a deductible – as with vandalism insurance. In general, this is 300 euros, with some insurance, the amount can still be adjusted. Whether a deductible makes sense depends largely on your risk assessment. Assuming that the risk of vandalism damage is rather low, a deductible is often worthwhile, as it reduces the costs of the policy.

For example, statistically speaking, every two years, if damage occurs and you save 200 euros per year through the deductible, this option is more cost-effective than comprehensive protection without the standard excess of 300 euros. Ultimately, however, there is no general rule for deductibles, because vandalism is an unpredictable event.

Report damage immediately

If there is any damage, the insurers demand immediate notification of the same – this applies to both homeowner and homeowners insurance. However, since “without delay” is a legally indefinite term, a report does not necessarily have to be made immediately – but you should report the damage as soon as it becomes known at the earliest opportunity. For example, if you come home later in the evening and notice that the house has been broken and the furniture destroyed, you should contact the police directly, but the insurance can not be reported until the next day. Usually, this is possible by phone, but many insurers now also allow a claim on the Internet.

In cases of vandalism, insurances usually insist that the police file a complaint. Furthermore, the insurer usually requires a list of damaged or destroyed items so that the amount of damage can be determined. If the damage is properly reported and processed, the compensation is usually paid within six weeks. If notification of the damage is not or not immediate, the insurer may reduce or even refuse to pay.

By the way, you should of course not only report vandalism to the police if you yourself are affected. So if you observe how perpetrators damage someone else’s property or endanger public safety (for example by removing manhole covers), you should immediately pick up the phone. However, the police strongly advise against personal intervention as there is a risk of becoming a victim of violence.

Liability insurance for rented damages

This is how rental damage is defined

Related imageWith the apartment everyone also rents the fixed inventory. This is the property of the landlord, which is only for the duration of the tenancy for use . If the same is damaged by the occupant, the latter must pay for the property damage. Because this is the claim of a third party, this is usually covered by private liability insurance. Anyone who uses a garage, garden shed or outdoor space as a renter should always check whether the policy contains a possible exclusion clause .

Examples of fixed rental items that are usually covered by liability insurance:

  • Doors, windows, walls
  • Floors of different kinds (floorboards, tiles)
  • Sanitary facilities such as sinks, bathtubs, shower cabins and toilets
  • Built-in wardrobes are usually taken into account by the liability policy

Big differences in the sum insured

When concluding an insurance contract, policyholders should pay particular attention to the amount of the insurance. If, for example, an apartment suffers so much damage in a fire that the costs of recovery exceed the sum insured, the policyholder must bear the uncovered costs. There are no legal requirements in Germany that limit the financial burden on the causer.

TIP: If you want to make sure that the sum insured is high enough even if you pay a total, you should choose a high sum insured. The CosmosDirekt liability insurance offers in comfort protection a sum insured of up to 25 million euros for rent damage. In basic protection, the amount of damage is 500,000 euros.

Are gradual damages covered by private liability?

Damage does not have to be immediately visible on walls and floors. Especially when water causes damage, often several weeks or even months pass before the renter discovers that something is wrong. Even if the damage occurs creeping, the amount that needs to be expended to remedy it can be substantial.

Gradual damage can lead to rent damage, but are also conceivable in other constellations. In general, the damage caused by the influence of temperature, smoke, soot, dust and water is considered to be the damage caused by deterioration . Especially in the past, insurers have not included damages of degree of personal liability in the policies of private liability insurance. You should therefore be aware of whether your policy covers these risks.

Damage scenario: The tenant drills a hole in the wall and does not notice that he has damaged a water pipe . It continuously releases water. However, this leads only after weeks to a visibly moist spot on the wall or the floor surface.

Key loss and liability insurance

You can usually insure the loss of keys against an additional amount. Especially if you use a central locking system with a master key professionally or privately, such an additional clause makes sense. Because in case of loss, the landlord or employer has the right to arrange for the change of the entire locking system. The costs can easily reach a 5-digit amount.

TIP: In the case of damage to a leased property, only the conclusion of an insurance policy is required in a household. The insurers offer adapted rates for single persons, partnerships and families with children. Some liability insurance policies also cover damage caused by children who are unable to attend (up to 7 years old).

Wear does not count as rental damage

Often damage to an apartment, without the fault of the tenant is present. Wear is omnipresent and almost always visible on planks, wallpaper or walls after several years of use. If damage such as discoloration, fine cracks or abrasion caused by normal use, a tenant is not obliged to pay for the costs. Because the cost of wear should be covered by the rent.

The drilling and installation of dowels, unless otherwise stipulated in the rental agreement, is also part of the normal use of dwellings. Only if a tenant attaches complex constructions with numerous drill holes, the wall is to be repaired. Anyone who wants to pierce flow, however, is obliged to discuss this with the landlord before.

Note: Tenants and landlords often agree in the rental agreement that the tenant on removal from the apartment renovations such as painting or wallpapering makes. Such a rental agreement is not relevant for the liability insurance.

What to do in the case of rented damages

If a damage has occurred, the tenant is obliged to report the damage to the insurer and also to inform the lessor.

  • The first step is usually to contact the insurance company and report the damage. This can be done by post, online or on the phone.
  • For a policyholder there is a loss mitigation obligation. It is therefore important to take action, if necessary, to minimize the damage. This is especially true for water damage.
  • After contacting us, the insurance company will send you a claim form. The form can be completed by hand or as an online form. Under certain circumstances, an insurer may initiate the examination by an expert. This happens especially often with higher amounts of damage.

Incidentally, the obligation to notify also applies to defects that have arisen outside the apartment – in the stairwell or in the basement. This obligation to register belongs to the custody of a tenant. Landlords have the right to claim rent compensation up to 6 months after the end of the lease. If there is a legal dispute over the claim of a landlord, the tenant profits from the passive legal protection . The insurance occurs in court and also assumes the costs incurred.

Other liability insurance, which may be important for tenants

Not all damages that may arise in a rental property are covered by the private liability. Some risks and causes of damage are only relevant to certain groups of persons and are protected by special liability insurance or clauses. First and foremost, it is important to distinguish between the liability of private households and private liability.

Rented furniture and glass

As mentioned at the beginning, the clause on rent damages in the liability insurance primarily serves to protect the building and fixed parts. If a landlord furnishes furniture or kitchen equipment, these are excluded from the protection of private liability in the vast majority of cases. The cost of a scratch on a rented cabinet , for example, would pay neither the personal liability nor the household contents insurance of the tenant. Such damages are usually charged with the deposit of the tenant. The hot water and heating system is usually excluded from the private liability.

Glass in rented apartments

Glass is not insured in private liability. For windows or conservatory fronts, home contents insurance generally contains clauses for glass breakage insurance. Whether it is worthwhile to take out glass-breakage insurance should primarily depend on whether children live in the flat or house and larger windows are installed.

Detailed information on household insurance can be found in our guide: What is a household insurance?

Pet owners liability

If a pet causes damage to a rental property, it can be regulated by animal liability. For example, if a dog scratches the plank floor or a door, the cost of repair or new purchase will be covered by the pet owner liability. However, not all livestock liability covers rent damages in the basic protection and if necessary, the clause must be additionally included in the contract.

TIP: By the way, tenants do not need a separate contract for cats, because unlike dogs, they are counted among the “tame animals” and are insured by private liability. Other examples of tame pets are small animals, fish and birds. The animal owners liability of CosmosDirekt insured in the comfort protection Mietsachschäden up to € 100,000.

Conclusion: Another striking argument for private liability

No individual should refrain from liability insurance, and tenants in particular insure numerous risks with this policy, which can lead to considerable follow-up costs. Cracked tiles, cracks in sanitary facilities and fire damage on the floor are just three examples of many. Liability insurance is even more important when children live in the household. The insurance of rent damage is always included in good personal liability insurance.

Nevertheless, a comparison and a close look are worthwhile. Because with the amount of the insured loss amounts, the offers have considerable differences, which can lead to serious financial burdens in the event of a claim. The difference between the actual costs and the maximum insured sum has to be settled by the renter. The rule of thumb for determining the coverage amount is € 2,500 per square meter.

When hiring rented furniture, please note that furniture and kitchen appliances are not covered by the policy. Things are different for carpets and fitted wardrobes – these are usually taken into account in the policies. Glass must also be included in a separate policy or a clause in the household contents insurance. Dog owners in a rented apartment should at least think about a pet owner liability insurance, as they have to bear rent damage caused by dogs themselves.

Smoke detector building insurance

No smoke detector: insurance still valid?

In many federal states, homeowners are obliged to install smoke detectors. And rightly so, because the small devices can quickly become lifesavers in fires. But there is another reason to equip the home with the technical helpers. In the absence of smoke detectors, trouble threatens with the insurance.

In 2013, 415 people were killed by fires. According to the German Insurance Association (GDV), 120,000 reported house fires resulted in property damage totaling 910 million euros . With the help of a building insurance, real estate owners can protect themselves from the financial consequences in the event of a fire. In addition, the safety of the residents can be increased if the home is equipped with smoke detectors.

How can smoke detectors save lives?

Especially sleeping people run the risk of not noticing a fire fast enough. The sense of smell is only very limited active in this state. Smoke detectors, which are also referred to as smoke detectors or home smoke detectors, detect a fire or a smoldering fire with the help of sensors, however, already in the initial stage. They trigger a loud alarm even with slight smoke and warn residents of the danger. Those affected can then quickly get to safety and inform the fire department. In addition, this opportunity to act quickly often has a positive effect on the ultimate extent of the damage.

But even with regard to a building insurance, it is advisable to install the small lifesaver. If smoke detectors are missing, the protection of the insurance can be extinguished in extreme cases.

Does the insurance pay despite missing smoke detectors?

Building insurance offers homeowners comprehensive financial protection in the event of damage . In addition to destruction caused by storm, hail, lightning strike, tap water or frost, the insurer comes to the conclusion of a homeowners insurance even in case of fire for the resulting damage. However, if smoke detectors are not installed in the building, the insurance company may refuse or at least reduce benefits.

The GDV and other individual insurers have already announced that owners of a building insurance, even in the absence of smoke detectors have no loss of benefit. The aim of smoke detectors is to protect lives and not to prevent property damage. Therefore, in the event of a breach of the smoke detector obligation, full insurance cover will continue to be guaranteed.

No smoke detector: Payments can be omitted

How it legally behaves with the obligation, is still unclear. So far, no court decisions have been made in this regard. Experts warn therefore: Despite the confession of the insurance, it is possible in the absence of smoke detectors that in case of damage payments despite completed building insurance account for at least partially.

The reason: Paragraph 8 of the GDV Basic Contract states that real estate owners are required by a building insurance to “comply with all legal, official and contractually agreed safety regulations” . In states with smoke detectors, this also includes the installation, maintenance and operation of smoke detectors. The absence of these can then be classified as gross negligence.

Building insurance: protection at risk of gross negligence

If gross negligence is detected, it is possible that benefits of the insurance will be reduced and thus not the full amount of damages will be paid out. In extreme cases even a termination without notice of the insurance is conceivable. However, these consequences can only occur if the missing smoke detectors can be considered as the cause of the extent of the fire damage.

To be on the safe side, homeowners – especially in federal states with smoke detectors – should equip their property in any case with smoke detectors. This protects the lives of the residents and, moreover, does not risk a cut in insurance coverage.

How exactly unassigned smoke detectors affect the scope of benefits varies from insurer to insurer. Here is worth a close examination of the contract. When concluding a new building insurance , it makes sense to compare the existing offers . This allows homeowners to get an overview of which homeowners insurance is best for them.

Smoke detector all federal states duty

The installation of smoke detectors is compulsory in all federal states. The pioneer was Rhineland-Palatinate. There the smoke detector requirement was already introduced in 2003. To date, all 15 other countries have followed suit, obliging homeowners to install smoke detectors . Last but not least, on 01.01.2017 the obligation to install new buildings and conversions in Berlin was introduced.

Differences in the smoke detector duty

The smoke detector requirement varies from country to country. The installation of smoke detectors in new buildings and conversions is mandatory everywhere. The subsequent installation in existing buildings, in contrast, is still exempt from the obligation to smoke detectors in some cases.

In which building types are smoke detectors mandatory?

federal state New buildings and conversions Retrofit required for existing buildings
Baden-Wurttemberg since 10.07.2013 since 31.12.2014
Bavaria since 01.01.2013 from 31.12.2017
Berlin since 01.01.2017 from 31.12.2020
Brandenburg since 01.07.2016 from 31.12.2020
Bremen since 01.05.2010 since 31.12.2015
Hamburg since 01.04.2006 since 31.12.2010
Hesse since 24.06.2005 since 31.12.2014
Mecklenburg-Vorpommern since 01.02.2006 since 31.12.2009
Lower Saxony since 01.11.2012 since 31.12.2015
North Rhine-Westphalia since 01.04.2013 since 31.12.2016
Rheinland-Pfalz since 23.12.2003 since 12.07.2012
Saarland since 18.02.2004 since 31.12.2016
Saxony since 01.01.2016 since 01.01.2016
Saxony-Anhalt since 17.12.2009 since 31.12.2015
Schleswig-Holstein since 01.04.2005 since 31.12.2010
Thuringia since 29.02.2008 from 31.12.2018

The right smoke detector in the right place

In the federal states with smoke detectors, the warning devices must be installed in all bedrooms , children’s rooms and corridors that serve as escape routes . Also guest rooms are assigned to the bedrooms. In kitchens and bathrooms, on the other hand, it is recommended not to use a home smoke detector. The light barriers of the devices do not differentiate between smoke and steam. Therefore, there is a danger that the smoke alarm will sound after every warm shower or when cooking.

Also, when purchasing smoke detectors, you must pay attention to a few things. Not every smoke alarm device is approved in Germany. Only devices with DIN EN14604 may be installed in households in Germany. Devices with this marking must have the following characteristics:

  • The volume of the alarm must be at least 85 decibels at a distance of three meters, respectively.
  • If the battery is almost empty, a recurring warning signal must be given at least 30 days before.
  • The smoke detector must be equipped with a test button to check at any time whether the device is working.
  • The smoke chamber must have openings to all sides. The opening slots must not be greater than 1.3 mm at the same time and must be protected against dirt and insects.

Another characteristic of an approved smoke detector is the so-called CE mark. This confirms that the product has been manufactured in accordance with EC directives and may therefore be sold in the EU.

If you use a smoke detector without the markings just mentioned, this is not permitted. Only smoke detectors with DIN EN14604 and the CE mark guarantee the legally required functionality.

Install smoke detectors correctly

The installation of smoke detectors usually has to be carried out or commissioned by the homeowner or landlord. Only in Mecklenburg-Vorpommern is the tenant obligated to take the installation into his own hands.

The small lifesavers must be mounted horizontally on the ceiling. The smoke detector should be at least 50 centimeters from each wall . In addition, you must be careful not to attach the device in a place with strong draft.

Always place the smoke detector on the ceiling

The smoke detector should always be installed on the ceiling in the rooms provided. As smoke rises quickly, the alarm can sound the alarm faster. If you place the smoke detector on a cabinet or mount it on the wall, it generally detects a fire much more slowly.

Editorial Tip: Hire an external company for maintenance

The safest method is to commission an external company both with the installation and the maintenance of the smoke detectors. Thus, experts check the functionality of the devices and you can not be held responsible in case of faulty installation or maintenance.

Maintain smoke detectors regularly

The functionality of the smoke detectors installed in the building must be guaranteed at all times, according to the legal requirements. Therefore, homeowners must check annually whether the devices are still fully functional. Depending on the state, landlords or tenants may be obliged to perform regular maintenance.

The landlord can also transfer the maintenance in the lease to the tenant . However, he must first assure himself that the renter is physically and psychologically able to fulfill the task assigned to him. In addition, the landlord must check whether the maintenance was also carried out properly.

Change batteries regularly

The batteries of the smoke detectors must be replaced regularly. The life of a standard battery is around 1-3 years. If the battery is nearing its end, the smoke detector already emits a recurring warning sound at least 30 days before. If you do not want to change the battery, you can also buy smoke detectors with so-called longlife batteries . These have a lifespan of ten years. Since even smoke detectors must be emptied after ten years at the latest, so eliminates the bothersome battery change for many.

The appropriate building insurance

Smoke detectors make an important contribution to the early detection of a fire. However, they can not replace the protection of reliable homeowners insurance. The warning devices can not prevent a fire but serve primarily to minimize personal injury. After a fire in their own house, however, the owners also have to deal with the financial consequences.

A double hedge protects both your life and your account. In addition to the smoke detectors as protection against physical damage you should therefore always take out a homeowners insurance in order to be financially secure . A look at the building insurance tests can help to gain a good overview of the existing offers of numerous insurers.

Insurance check: Which insurance is important?

Related imageIt is not always easy to keep track of which private insurance is important and which is not. This is usually dependent on the particular life situation. In addition, the price is always a deciding factor. Consumers should first compare insurance policies before each graduation to find the best value for money for their individual needs.

When it comes to insurance, you’ll save the most if you do not take out any superfluous policies, and you’ll win the most if you know all the insurances you need. Further savings options include the deductible or the conclusion of several policies with a provider.

What makes an insurance sense

First and foremost, insurance is sensible if it covers economically damaging or even existence-threatening losses, which can amount to millions in particularly serious cases and thus can mean financial ruin. For example, a personal liability insurance is indispensable in the opinion of any expert, since it comes into play if you have caused harm to others, even if this was grossly negligent.

On the other hand, many insurance policies are simply superfluous; a frequently cited example here represents among others the occupational accident insurance.

Assessment always on a case-by-case basis

Please note that every person and every life situation is unique. Therefore, always check for your particular case individually, whether an insurance makes sense for you. So it may well be that a here as often unnecessarily listed insurance exactly makes sense for you. If you are unsure, we recommend that you get personal advice from an expert, such as an insurance advisor.

Insurance that you should have

Legally required
  • Statutory health insurance (unless privately insured)
  • Car insurance (if vehicle owner)
Recommended by experts
  • Private liability insurance
  • Occupational disability insurance (if dependent on earned income)
Often useful
  • Household
  • Homeowners insurance (for property owners)
  • Private supplementary health insurance
  • Term life insurance (for families)

The formula for a proper insurance situation could be: Protect yourself against all major risks and life-threatening claims and refrain from unnecessary small insurance that you do not need. Some insurance policies are compulsory in Germany, including the statutory health insurance (unless you are privately insured or have other claims to cover illness) or the motor vehicle liability insurance, if you are a vehicle owner.

Other private insurance is not required and is voluntary. Not obligatory, but an absolutely recommendable private insurance is the private liability insurance. This assumes personal injury and property damage that you and possibly co-insured inflict on third parties – provided these were not intentionally caused. Personal liability is considered the most important private insurance.

Experts also consider occupational disability insurance as useful for anyone living off their earned income. Other useful private insurance (which will be discussed in more detail below, among others) can be household contents insurance, building insurance or supplementary health insurance.

Some policies can be very useful for certain groups of people and not for others. For example, the life insurance for families is absolutely recommended, while it is superfluous for singles.

Insurance, which can often be dispensed with

Of course, it is not possible to say at a flat rate what insurance can be waived, as one or the other policy, which for many is superfluous, can be very important for certain groups of people. It is clear, however, that there are several insurance companies in this country, which primarily bring something to the respective provider, but do not provide much added value for the insured.

The Confederation of Insured (BdV) made this a list of private insurance, which are superfluous for most people:

Glass breakage insurance The financial burden, if you should destroy a disc in the rare case, is probably never financially ruinous.
glasses insurance Jumps for glasses only in case of damage or a significant change in vision and granted usually no higher quality glasses. Almost always has to be paid.
Hospital Cash Insurance Usually only useful for self-employed.
Luggage insurance Insurers pay only rarely full, as often negligent behavior is accused. In addition, luggage is often covered by home insurance.
mobile phone insurance A broken or lost phone does not lead to financial ruin. In any case, only the time value of your mobile phone will be compensated.
Insurance against “domestic emergencies” Tenants must pay for self-caused damage to rental equipment anyway. A lost key is also not life-threatening.
Accident insurance with premium refund According to BdV a “Milchmädchen bill”. Sums they get back have been paid in advance. Services often inadequate.
Personal Accident Insurance Nonsense, as the motor vehicle liability in a self-inflicted accident.

Source: Federation of Insured

Overview: What do private insurance cover and which are worthwhile?

In the overview you will find out what individual private insurance covers and which basically make sense. Important: As mentioned above, the latter can not be assessed as a flat rate and only serves as an orientation in the policy jungle.

Occupation and leisure

Private liability insurance
Indispensable for everyone
  • Damages that you and possibly co-insured inflict on a third party (personal injury and property damage), unless caused intentionally.
  • Applies as the most important private insurance, as German law allows compensation claims in unlimited amounts.
  • Cheap and usually customizable to your own needs.
Legal expenses insurance
Meaningful addition, not mandatory
  • Attorney fees, court costs, witness fees / expert fees, bail bonds and costs of the adversary in the event of legal action are usually incurred by the insured party.
  • Costs will be paid according to the amount specified in the contract or without coverage.
Private accident insurance
Often only meaningful if an occupational disability insurance application was rejected (eg due to a previous illness)
  • Grants (depending on the chosen tariff) a one-time sum or monthly pension as well as other benefits if you become disabled through an accident (not illness!).
  • Alternative to occupational disability insurance.

Car and travel

Automobile liability insurance
Indispensable, duty for vehicle owners
  • Duty for every vehicle owner.
  • Covers any damage you inflict on road traffic to other road users.
Very important if no full insurance, useful especially for older vehicles
  • Protects against damage to your own vehicle caused by fire, marten bites, wild deer, explosion, theft, short circuit, broken glass or due to force majeure.
  • Usually much cheaper than full insurance.
Comprehensive insurance
Very important, if no partial insurance, especially useful for new vehicles
  • Secures extensively against all damage to your car.
  • In contrast to the partial coverage also covers damage caused by self-inflicted accident, vandalism or driver evasion.
  • Costs depend on several aspects such as vehicle type or damage-free class.
  • More expensive than partial coverage.
Travel insurance
Useful when booking expensive holiday packages and for families or elderly and sick people traveling
  • Spends the cost of holiday travel if it can not be taken.
  • Prerequisite for reimbursement is valid reason such as serious illness or injury, death of a relative or loss of employment.
  • Is often worthwhile only for particularly expensive and / or early booked vacation packages, superfluous for cheap holiday trips.



life insurance
Meaningful, depending on life situation – especially recommended for families with children or high financial burdens
  • Can be financial security for you and / or your survivors in the event of death.
  • There are various forms of life insurance, including z. B capital-forming life insurance, term life insurance or numerous supplementary insurance such as accidental death additional or additional pensioner insurance.
  • Insured event dependent on contractual agreement. Possible benefits include, for example, the death of the insured person as a survivor (death benefit insurance), at a specific, predefined point in time (endowment insurance) or even in the event of a serious illness, long-term care etc.
  • Extensive advice adapted to the life situation is recommended.
Term life insurance
Useful for certain groups of people
  • Covers the need for care of survivors in the event of death, including, if necessary, current loans.
  • Since only death is covered, usually relatively cheap.
  • Deposited sums lapse if beneficiaries die before the insured person.
  • Recommended for families with children, single parents or unmarried partners with high monthly burdens.
Disability insurance
Expresses meaning to anyone who lives off his earned income
  • Covers financial needs in the event of disability due to illness or injury.
  • Generally considered the second most important private insurance after the liability.
  • Can be taken out as a separate policy or supplementary occupational disability insurance in combination with term life insurance.
  • The earlier the contract is concluded, the cheaper.
Funeral insurance
Not useful for older people, better alternative for burial provision
  • In the event of death, pays out pre-agreed amounts to the survivors.
  • Usually only worth it if it is completed early. For the elderly, insurance is often expensive.
  • A better alternative to financial provision in funerals is term life insurance.


Health and care

Private health insurance
Can be useful for civil servants, the self-employed and well-paid employees
  • Better / more comprehensive services than the statutory health insurance (GKV). Allows, depending on the tariff, services such as chief physician treatment, single bed room in the hospital etc.
  • Usually more expensive than SHI, contribution depending on individual risk profile.
  • Mostly suitable for civil servants, well-paid employees and the self-employed.
Private supplementary health insurance
Can be a useful supplement to the GKV, if there are relevant services missing
  • Supplemented services of the GKV.
  • Possible additional services include: hospital daily allowance, visual aids, free choice of doctors, high-quality dentures, etc.
dental insurance
Useful if services of the GKV do not meet the own demands on the dental treatment
  • Provides dental care services that are not covered by statutory health insurance.
  • Services include: Professional teeth cleaning, plastic fillings, high-quality dentures, caries prophylaxis, etc.

Tips for saving on insurance

If you want to save on private insurance, you should first consider which policies are really useful for you and your individual life situation. Do you really assess your risks: Do you really need accident protection if you sit in the office while working and have a short way home? Is a travel cancellation insurance worthwhile if you usually only drive to the North Sea every few years? Do you need a more expensive comprehensive insurance for your ten year old car?

On the other hand, you should not refrain from certain insurance policies that are important to you personally and respond well to changes in your life situation. If, for example, you acquire a property, building insurance can suddenly make sense. If there is an offspring, the idea of ​​a term life insurance to protect the children may be the right one.

Life is dynamic, insurance is the same – if you tailor the policies to your individual needs, you can save money. If you find that you are paying for nonsensical policies, you should cancel superfluous insurance.

Compare insurances – pay attention to differences in price and performance

Perhaps the most important tip of all: compare offers. Do not just close the first insurance, but compare different providers. With FinanceScout24 you can easily get an overview of the confusing insurance market.

With many policies, there are big differences in costs, while the benefits remain the same. This is especially the case with motor vehicle insurance and building insurance. Even with term life insurance and travel insurance, there are sometimes significant cost differences.

Quantity discount: For insurance from one source save

If you take out three or four insurance policies with the same provider, you may be able to save. Many insurers offer a volume discount that you want to use to tie customers. Often you can save five or ten percent of the contribution amount. Ask the various providers for a quantity advantage. For example, it may make sense to complete household insurance, liability, homeowner’s and elementary damage insurance bundled from one source.

Save with deductibles

By agreeing to a policy excess, you can reduce the cost of a policy. As a customer you pay part of the costs of claim settlement up to the amount of the deductible itself. All costs beyond that are paid by the insurance company. In return, the provider reduces the costs of the respective policy.

Particularly meaningful is a deductible especially with the motor insurance. Double advantage: Here, on the one hand, the insurance premium can be lowered and, on the other hand, you are not upgraded if you take on minor minor damage yourself.

A deductible for insurances such as building insurance or legal expenses insurance can also make sense, since serious damage to a building and the occurrence of a legal dispute are unlikely. Even with private health insurance makes a deductible sense, provided you are not chronically ill. Those who are young and healthy often benefit for years from lower costs due to the deductible.

Private health insurance for students

Important in the PKV for students

  • Family insurance as a cheap alternative
    Under certain circumstances, students can take advantage of the parents’ insurance. For example, the regular income may not exceed 405 euros and the age may not exceed 25 years.
  • Private health insurance: decision to study
    Until the third month after enrollment can be resorted to a private health insurance. This decision is then binding at least until the end of the study.
  • compulsory insurance
    For students at state-recognized universities is compulsory insurance. For matriculated students of a Berufsakademie, however, this does not apply.

With the beginning of the study, many young people have to take care of the “bureaucratic things” of life for the first time – including health insurance. Because in principle, students who have enrolled at a state or state-approved university in Germany, health insurance. However, this obligation is not valid for all students, there are also various options for health insurance for students to choose from. FinanceScout24 shows what options exist and what you should look out for.

Compulsory insurance for students

As already mentioned, students at German universities are in principle subject to health insurance – without insurance, enrollment is not possible. This duty applies to virtually all students; only persons who are covered by family insurance and students from non-accredited universities are exempted from compulsory insurance.

No compulsory insurance at the Berufsakademie

If you are enrolled at a Berufsakademie, the compulsory insurance does not apply to you, as in the SGB student health insurance is only intended for students at universities. However, since you are not considered a regular employee, you can only insure yourself voluntarily – both in the statutory as well as in a private health insurance.

If you have started a dual study program, you have been considered as “employed by vocational training” in terms of health insurance since 2012 and therefore can not insure yourself through student health insurance.

The leave semester and parental leave have no influence on the compulsory insurance, as well as the semester abroad if you continue to be enrolled at a German university during your stay abroad. The benefits of the health insurance may be limited during a semester abroad, however, so that in this case a supplementary insurance is often recommended.

However, if you study abroad, additional insurance is not required as the European Health Insurance Card, which is located on the back of your regular health insurance card, will allow you to receive regular medical care within the EU.

Since the origin in the compulsory insurance for students does not matter, a health insurance for foreign students is required – but they do not necessarily insure in Germany. If a social security agreement exists between Germany and the country of origin, a statutory health insurance for students from the country of origin is also recognized. This rule applies in particular to students from the EU area.

End and extension of compulsory insurance

The compulsory insurance ends at the age of 30 or when the 14th semester is reached. Important here is the distinction between semester and semester. For example, if you start your studies and change your subject after two semesters, you do not count these first two semesters for the maximum duration of 14 semesters. There are also several exceptional cases in which the maximum duration of studies or the age limit can be increased. However, according to a decision of the Federal Social Court, the compulsory insurance may be extended to a maximum of 37 years by these exceptions.

Reasons for an extension include:

  • Illness (at least 3 months), disability, pregnancy, childcare
  • Non-admission to the chosen program in the selection procedure
  • Service obligation as a time soldier
  • Voluntary social or ecological year, voluntary military service
  • Failure to pass the final exam for the first time
  • Cooperation in university committees

If you would rather privately insure yourself as a student, it is also possible to get rid of the compulsory insurance. This is permissible for up to three months after enrollment and is considered a decision for the entire course of study – so if you want to insure yourself privately, bear in mind that you must do so at least for the duration of your studies. In addition, under certain circumstances, it is not readily possible after graduation to change back to the statutory health insurance.

In order to be exempted from compulsory insurance, it is sufficient to send a letter to the health insurance company, as well as proof of any other health insurance.

Aid and PKV for students

Private health insurance as a student is an interesting option, especially for children of beneficiaries, especially as privately insured parents do not have the option of taking out family insurance cover.

However, you should bear in mind that the allowance is linked to the parental entitlement of the parents – and this usually lapses when the child reaches the age of 25. If you are still studying at this age, you will no longer receive subsidies and will have to take out regular private health insurance, which will entail significantly higher costs.

Insurance options for students

Basically, as a student, you have three options for health insurance. These are:

  1. family insurance
  2. Student health insurance
  3. Voluntary insurance

There are certain requirements for family insurance and student health insurance, and you can only use them until certain times.

The family insurance

In the case of family insurance, children or spouses are covered by the parents or their partners free of charge. This of course makes them the most interesting option, but here are also quite strict rules, so not every undergraduate is the family insurance.

If you want to insure yourself through the parents, either both parents have to be legally insured or one parent legally and one private, whereby the private insured may not earn more than the legally insured or as a monthly gross 4,350 euros gross. In addition, as a co-insured person, you must not be older than 25 years – if you have performed military or civil service, you may continue to be in the family insurance beyond the age of 25, depending on your length of service.

In addition, your regular monthly income may not exceed 405 euros. The only exception is a mini-job, over which you can earn up to 450 euros per month. Important: BAföG grants and child support payments are not considered income here. For the insurance of the spouse, the same conditions apply to a large extent, but the age limit does not apply here.

Here are all the important things about family insurance:

  • At least one parent or spouse must be legally insured
  • Children must not be older than 25 years
  • Maximum regular monthly income: 405 Euro (450 Euro at Minijob)
  • BAföG and alimony payments are not considered income

In principle, family insurance is only possible via the statutory health insurance, but there is a rather similar option for privately insured persons entitled to benefits. Since the children of beneficiaries are also entitled to a subsidy, you can usually benefit from cheap residual cost insurance covering the costs that are not covered by the aid.

However, as the benefit is only granted to children up to the age of 25, this option may become significantly more expensive later in life.

The student health insurance

If you are unable or no longer to protect yourself through family insurance, student health insurance is open to you. They are then insured by law, but pay only a very small contribution. Although the contribution rate of 14.6 percent applies here as well, in student health insurance you only pay 70 percent of this contribution rate. The basis for assessment is the maximum BAföG rate of 597 euros. This results in a monthly contribution of 61.01 euros. However, you must pay in full for the health insurance-related additional contribution, but due to the rather low assessment limit, this is only of minor importance.

Here is an overview of the additional contributions of some health insurances:

health insurance Additional contribution in percent Additional contribution in Euro
AOK 0.3 to 0.9 1.79 to 5.37
Barmer 0.9 5.37
DAK 0.9 5.37
hkk 0.4 2.39
Salus BKK 0.5 2.98
technician 0.8 4.78

If you receive BAföG grants, membership in student health insurance will increase your BAföG requirement.

The student health insurance is open to you up to the age of 30 or up to the 14th semester – ie until the end of compulsory insurance. With certain exceptions (illness, disability, pregnancy, Voluntary Social or Ecological Year, military or civilian service), this period may be extended, but not beyond the age of 37 years.

Income limits do not apply to student health insurance, unlike family insurance, but the weekly working hours during the semester are limited to 20 hours. During the semester break, however, you may also work full-time as a member of student health insurance.

A uniform tariff, which corresponds to the student health insurance, does not exist in private health insurance. However, many insurers offer special rates for students. In order to be able to use these, however, you must be exempted from compulsory insurance, so that you are bound to your entire studies to the private health insurance.

Therefore, you should be very thoroughly informed about the contributions and benefits and compare different offers before you opt for this path.

The voluntary insurance

Image result for health insuranceIf you can no longer afford to take out student health insurance, you have the option of voluntarily insuring yourself in GKV for up to three months after the end of compulsory insurance. You then benefit from a reduced transitional rate for six months with a contribution rate of 10.22 percent – plus the additional contribution. The lower income limit was 945 euros, so you pay a minimum contribution of 96.58 euros plus an additional contribution of about 5 to 10 euros.

After the end of the transitional period you will be a regular member of the GKV. Again, the lower income limit of 945 euros applies, but you now pay the full contribution rate of 14.6 percent and the additional contribution, so that there is a minimum contribution of 132.30 euros plus additional contribution.

At the latest from this point on, private health insurance can be a sensible alternative to voluntary insurance, since you sometimes have to pay significantly lower contributions here. However, you should bear in mind that PKV requires a health check and that previous illnesses can lead to risk premiums. So weigh very carefully which of the two variants is cheaper for you.

Dog health insurance: costs and benefits

Image result for dog insuranceMany dog owners are aware of the costs of acquiring their four-legged friend. They know that food must be purchased or that a dog tax and vaccinations must be paid. However, that one day her dog is dependent on medical help, for most of the “masters and mistresses” is beyond any calculations.

Medical treatment in dogs can be very costly. After all, if necessary, the same treatment steps are carried out in veterinary practices or veterinary clinics as in humans. The only difference: people are mostly protected by health insurance, animals rather rare.

The most important reason for taking out a dog health insurance is thus to be protected against high treatment costs in the event of illness. This applies for example to ORs or radiological diagnostics.

At the same time, health insurance ensures that the animal is treated, even if its own household budget is tight. This is all the more true, if the own dog is soon in a good old age, in which as with humans more illnesses can occur.

Dogs are family members

For dog owners their four-legged friends are usually mostly equivalent family members. For this reason, it is not a question of whether a dog health insurance should be completed, but only to what extent this insurance should have.

Disadvantages of a dog health insurance

As with all health insurance, the disadvantage of health insurance is its inadequate performance. Consumers should be aware of when the dog health insurance covers the cost of treatment or medication.

Thus, negative surprises can be avoided in an emergency. At the same time, it is important to clarify whether the monthly installments of the insurance premium are worthwhile in comparison to actually due treatment.

Other disadvantages can not be mentioned in the dog health insurance, except that consumers are usually tied to a specific term and that even additional monthly fixed costs.

Benefits for veterinarians

A dog health insurance can also be beneficial for veterinarians. Especially with animal treatments, veterinarians often struggle with unpaid bills. If a dog is insured, the doctors know that their treatment is being paid. At the same time, they can assume that pet owners visit the doctor even if the household budget does not allow them financial flexibility.

Almost standard in other countries

While the dog health insurance in Germany still has found a relatively small distribution, the coverage for dogs in other countries is almost standard. For example, dog owners in the US, who are not necessarily considered a prime example in the area of health insurance for people, have been able to secure four-legged people for treatments for several decades.

Even in the UK or Sweden, the option of dog health insurance has been used for many years by a majority of pet owners.

Services: treatments and more

With the completion of a dog health insurance, consumers have the opportunity to be reimbursed up to 100 percent of the treatment costs. The amount of the refund depends on the tariff and provider. The same applies to the different services.

Irrespective of the insurer, the costs are usually borne proportionally or fully for the following services:

  • Outpatient treatments
  • Inpatient treatments
  • Pretreatments or aftercare
  • Inpatient stay
  • operations
  • drugs
  • radiographs
  • Dressings and remedies

Further characteristics of the health insurance for dogs

Each insurance policy for dogs can be characterized by further details. These include, for example:

  • Refund limit : Depending on the provider and tariff, the amount of reimbursement per year may be limited. Good fares usually have no annual reimbursement limit.
  • International protection: A dog health insurance can also be valid in other European countries or worldwide. How long it is there depends on the policy and insurer.
  • Alternative treatment methods: As with health insurance for people, dog health insurance can cover the costs of alternative methods of treatment , such as osteopathy or homeopathy.
  • Grants: Consumers can look at the benefits that dog health insurance offers for certain treatments, such as castration, vaccinations or the use of chips to identify the dog.

Observe waiting time

After the conclusion of a dog health insurance, there is usually a certain waiting period until consumers can take the insurance. It is often 30 days.

Cost of dog health insurance

Basically, dog owners can insure their four-legged friends from just under 20 euros per month. Depending on the scope and age of the dog, the insurance can cost more than 100 euros per month.

The costs of dog health insurance depend on various factors.

  • Insurer: The individual tariffs vary considerably from insurance company to insurance company.
  • Age of the dog: As a rule, the insurance costs increase with the age of the animal. Pre-existing conditions can make the tariff more expensive.
  • Contract period: If the insurance term is chosen longer, discounts are usually possible.
  • Payment: If consumers opt for an annual form of payment, they can receive the highest discount.
  • Deductible: Some insurers offer cheaper rates if a deductible is agreed upon for OPs.
  • Scope of benefits: Most dog health insurance companies are lockable as surgery insurance or full insurance. A pure surgical insurance is usually the cheapest option.

Maximum age for dog health insurance

Most insurers only take dogs up to the age of ten into health insurance. This limit must necessarily observe pet owners, if they want to take dog health insurance.

Compare services and tariffs

In order to save costs, consumers should compare before concluding the contract, the benefits and tariffs of different providers. For this purpose, the information that is available on the Internet. Comparison calculators help with the selection.

Provider for dog health insurance in Germany

In Germany, five providers have established themselves in the field of dog health insurance.

providers characteristics
Agila This provider has two tariffs in the portfolio. With the “Tierkrankenschutz” all important treatments are covered. Extensive is the so-called “Tierkrankenschutz Exklusiv”, which allows reimbursements up to the triple rate according to GOT.
alliance The large insurance company offers protection “Optimal”. Special features of the tariff are the brokerage of animal pensions or care facilities as well as a worldwide unlimited insurance coverage. The alliance also offers reimbursements up to three times the GOT rate.
Helvetia This insurance has two tariffs in the portfolio, which offer extensive protection for dogs. The comfort rate includes unlimited reimbursement for diagnostics, treatment and medicines as well as surgical procedures. There is no maximum compensation limit per year.
Petplan The animal insurer offers its dog insurance in two rates already for dogs from the eighth week of life on.
Uelzener The company, which specializes in animals, includes dogs without age limits in health insurance. In addition, there is no annual reimbursement limit.

Costs for dog owners at a glance

  • Food: Depending on the size of the dog and the quality of the food, costs between five and 100 euros per month may arise.
  • Veterinarian: For vaccinations and routine examinations costs between 100 and 200 euros per year can be incurred.
  • Dog tax: Depending on the breed and region fees between 30 and 200 Euro per year are possible.
  • Dog liability: The liability insurance is mandatory in some states. It costs between 50 and 100 euros per year.
  • Dog school: If the dog needs support in behavior, the cost can quickly range from 300 to 500 euros, depending on the duration of the school.
  • Transport boxes: If you want to transport your dog safely, you need appropriate transport boxes, which can cost more than 100 euros.
  • Dog Toys : Art-fair toys for dogs are available from 3 Euro.
  • Dog accessories: Collar, leash, food bowl, dog blanket or basket can cost between 50 and more than 100 euros.

Question of the week: Who helps if the insurance does not pay?-

Related imageAlthough consumers with private health insurance (PHI) are often well protected in the event of illness, they sometimes have to fight for their benefits. According to a report by the so-called PKV Ombudsman, the dispute over fees or the reimbursement of medical treatment and hospital stays are the most frequent complaints of private insured persons.

In 2016, some 6,000 problem reports were received by around 8.8 million private insured persons from the neutral and independent intermediary in private health insurance , who should settle the matter in case of dispute. Compared to the previous year, this is an increase of 5.44 percent.

What options are available if the insurance does not pay?

As a rule, insurers respond promptly to a claim. If the provider remains silent, customers should check and at the same time set a time limit for the refund or payment. If the insurer directly refuses the service, it is advisable to look closely at the contract documents. There may be exclusions agreed that are now. If the insurer does not pay, although there are no exceptions in the contract, customers can object to the decision of the company. For correspondence with the company, they should always collect evidence, for example, send the objection by registered letter and return receipt.

In the case of a dispute with the insurance company, the motto is basically: to remain persistent and not to let go . This is true, for example, if the insurer should try to hold the person responsible responsible for the damage. Some companies also offer customers a comparison, where reimbursement is usually lower, but long disputes are spared. Before they agree, they should weigh up if that’s enough. Because then they have no further benefit claim for the damage.

Who helps insured people with their insurance?

If the insurer does not respond or refuses to pay for the damage, insured persons may first refer their concerns to the company’s complaints department. They also have the option of contacting the so-called Insurance Ombudsman. This independent intermediary reviews your request and decides what to do next. Up to a damage amount of 10,000 euros, the decisions of the Ombudsman are binding, after which they are considered recommendations.

Another point of contact is the various consumer centers in the federal states. These offer a telephone consultation and take over the out-of-court representation of consumers . However, in contrast to the complaint to the Ombudsman, the offer is subject to a fee.

Ombudsmen for different concerns

In addition to the Insurance Ombudsman and the PKV Ombudsman, there are other ombudsmen in Germany. For example, consumers can contact various arbitration boards in case of problems with banks, building societies or credit and real estate matters.

Litigation as a last resort for insurance problems

Anyone looking for help from the German Federal Financial Supervisory Authority should know that they are only concerned about basic problems . It acts, among other things, when a company changes its terms and conditions without informing the customers.

Insured persons can also take legal action if the insurance company does not pay. For this they should get the best support from a lawyer. In the event of a dispute, legal expenses insurance generally covers the court and attorney’s fees. Depending on the amount of damage, those affected should consider carefully whether the cost of a legal dispute is worthwhile for them.

How can insurance policy be avoided?

Often there is a reason for it, if the insurance does not pay in case of damage. For example, the incident may have been reported too late, documents may be missing or insured persons have provided false information about the procedure. Accordingly, it is important to get in direct contact with society in the event of damage and to describe it truthfully.

In order to avoid unpleasant surprises such as an exclusion of benefits in the event of damage, insured persons should be particularly attentive when concluding an insurance contract . In doing so, they can have individual clauses explained exactly so that they know when there is no entitlement to benefits in the event of damage.

Health insurance Additional contribution 2017 remains stable

Image result for health insuranceHow high the health insurance additional contribution 2017 for statutory health insurance be expected, was announced today on the basis of the latest forecast of the GKV-circle of estimators. Accordingly, he will not rise in the coming year and remain at the level of 1.1 percent. Overall, the contribution rate for the statutory health insurance thus on average remains unchanged at 15.7 percent . It is to be expected that, as in previous years, the Federal Ministry of Health will follow the estimates of the experts.

Since the average additional contribution for health insurance companies is not binding , it may come despite the desired contribution stability to significant premium adjustments for insured . For example, Securvita only increased its additional contribution from 1.1 percent to 1.4 percent this month. Already every sixth health insurance with its additional contribution is above average, including Viactiv (1.7 percent), DAK health (1.5 percent), AOK Rhineland / Hamburg, IKK classic (both 1.4 percent), SBK ( 1.3 percent) and KKH (1.2 percent).

Update 02. January 2017: Meanwhile it is clear with 26 health insurance companies that they increase their health insurance premiums 2017. With the health insurance comparison calculator insured can quickly check which fund is the cheapest in their region.

Health insurance additional contribution: deferred contribution increase

Originally, the GKV-Spitzenverband assumed that the additional contribution in 2017 would be adjusted to 1.4 percent. That it does not come to this, is on the one hand to the 1.5 billion euros, the Minister of Health Hermann Gröhe (CDU) has promised the coffers as an additional cash injection. On the other hand, the labor market is developing very well, and the reserves of the health insurance companies have recently risen to more than 15 billion euros.

However, critics such as IG Metall board member Hans-Jürgen Urban consider the additional billions for the coffers to be questionable. “The calculus is apparently to keep another debate on the additional contribution in the election year from the neck,” Urban explains the dpa. The increase in health insurance premiums would only be deferred . “Instead of engaging in election tactical maneuvers, the ministry responsible should finally put the financing of the health insurance on a just and sustainable basis.” So far, the additional contribution is completely charged to the employees. Employers only contribute 7.3% of the contribution.

Statutory health insurance: Even retirees beckons favorable contribution

Related imageFaster appointments with the specialist, better doctor’s fees for cash-desk patients and the creation of 8,000 new foster homes – Many tasks await Minister of Health Jens Spahn during this legislative period. With some innovations he wants to start already until the summer break 2018.

One of Spahn’s immediate measures is the return to the joint financing of health insurance contributions, from which employees as well as pensioners should benefit. In addition, changes in care such as better pay for carers are high on his list. But while many citizens are relieved of contributions to the statutory health insurance , higher costs for long-term care insurance could eat up this savings again.

Update June 06, 2018: The corresponding bill on equal financing was approved today by the Federal Cabinet. If there is no resistance in the Bundestag against the planned adjustment, the health insurance contribution from January 1, 2018 will again be fully taken over by the employer.

Better pay for nurses: Rising costs of long-term care insurance

With the planned changes of the GroKo threatens the contribution for the statutory long-term care insurance in the next few years. Currently, childless people pay 2.8 percent of their income for the Nursing Home, while parents pay 2.55 percent.

Although the last Minister of Health Hermann Gröhe (CDU) had announced to keep this contribution rate stable until 2022. However, the planned better pay of nursing staff could increase the care contribution . Because the introduction of a nationwide binding collective agreement for the care causes high costs. Part of this must “certainly be financed by a higher contribution rate”, explains the board of the GKV umbrella association, Gernot Kiefer, to the editorial network Germany.

Statutory health insurance: contribution should also decrease for pensioners

As a further immediate measure, the new Minister of Health intends to launch a law by summer, with which the contribution to the statutory health insurance from 2019 will again be financed on an equal basis. Employers and employees each take half of the costs for the health insurance.

This should apparently benefit pensioners, reports the current picture. Thus, the federal government plans that the pension insurance paid not only as previously half of the cash contribution for seniors, but also half of the additional contribution. Just like employees, retirees currently carry the complete additional contribution to the health insurance itself. The new regulation ensures, according to Minister of Health Spahn at statutory insured for a financial relief in the millions .

Will the contributions to the statutory health insurance remain stable in 2019?

Already at the beginning of the year 2018, many health insurances kept their contribution rate stable. This development could continue in 2019. “If the economy continues to perform as well as currently projected, it can be expected that this year’s contributions will remain stable on average . And in view of the expected general conditions, I am optimistic that this will continue in 2019, “emphasizes Doris Pfeiffer, CEO of the GKV-Spitzenverbands. Opposite the Frankfurter Rundschau.

Despite largely stable contributions , the costs of health protection between the health insurance companies differ in some cases severely. While some funds charge no or only a small additional contribution, others charge up to 1.7 percent extra. The currently cheapest health insurance companies with a contribution rate of less than 15.2 percent include:

  • Metzinger BKK (14.6 percent, opened in Baden-Württemberg, Thuringia)
  • AOK Saxony Anhalt (14.9 percent)
  • BKK Pfaff (15.0 percent, Rhineland-Palatinate)
  • BKK Akzo Nobel (15.1 percent, Bavaria)
  • BKK Euregio (15.18 percent, Hamburg, North Rhine-Westphalia)
  • hkk (15.19 percent)

Tip: With a change to a cheaper health insurance, you can sometimes save several hundred euros a year. However, you should also take a look at the benefits. The cash register with the best mix of price and services can be found with a non-binding comparison.

Bavarian officials insurance companies

Image result for insurance companiesBayerische is a German insurance group based in Munich, which includes three companies, including Bayerische Beamten Versicherung AG. The insurer offers private customers a wide range of property and casualty insurance.

The origin of today’s insurance group lies in the 1858 founded “Pensions and corpse club for upper conductors and conductors of the Royal Bavarian State Railways”. This was a financial security for survivors of train drivers of the Bavarian railway company. At the turn of the century, the “Pensions and Deaths Fund of the Bavarian Tourist Association” was founded, and a little later, with the death benefit of Bavarian public servants, the “Pensions and Deaths Fund of Bavarian Public Servants”. Thus, the precursors for the Bavarian civil servants life insurance aG were created.

After the Bayerische Beamtenversicherungsanstalt VVaG was finally founded in 1916, the business area expanded to the entire German Reich around a decade later, and finally to all occupational groups in 1929.

It took almost forty years before the property insurance business of today’s Bavarian was finally founded with the “Allgemeine Sachversicherungs-Aktiengesellschaft der Bayerischen Beamtenversicherungsanstalt”. In the year 1972 this became the Bavarian civil servants insurance AG. In the same year, the Bavarian civil servants life insurance aG was launched. Both companies form today’s insurance group.

Since 2012, the entire group has been operating under the brand name “Die Bayerische”. In 2014, the insurance group managed more than 462 billion in revenue and employed nearly 500 people in Munich.

Insurance according to the “Purity Law”

In line with the purity requirement of German beers, Bayerische has developed its own slogan. “Insured under the Reinheitsgebot” should show the insured that the mutual insurance association openly and transparently deals with its contributions, while at the same time to ensure the best possible protection of its members.


Bayerische offers its insured a comprehensive range of pension options.

  • Fund pension : here, policyholders can opt for either a fund pension with or without a guarantee. The insurer invests the deposits with higher or lower risk for a later private pension payment.
  • Maximum interest pension : This product is at least 2.75 percent interest on the deposits possible.
  • State-subsidized pension : Here, policy-holders can opt for a classic Riester pension as well as a “basic pension”, which primarily brings self-employed tax benefits.
  • plusrente : With the “plusrente” direct insurance, Bayerische has launched a special product. Insured persons can thus benefit from a cashback system. The insurance cooperates with more than 1,000 online shops. First, the policyholder registers for the program. As soon as he buys in a partner shop, he receives cashback in the form of payments on his retirement account. The insurer uses the money to invest in funds. The advantage for the policyholder is that he can conclude a pension insurance without a health examination and at the same time he saves taxes and social security contributions.

The pension plan is rounded off by various life insurance policies. This segment is divided into risk and life insurance policies at Bayerische.

So you can conclude a life or pension insurance with the Bavarian:

  1. Contact the insurer and request further information.
  2. Search on the homepage of the Bavarian for a consultant in your area.
  3. Find out in detail about your hedging options.
  4. Submit your application.
  5. After an insurance check, you will receive your policy by post.

complaint Statistics

Number of insurance contracts (as of 31.12.2013) Number of complaints 2014 Complaint share 2014
No information No information No information

Source: Complaint Statistics of BaFin 2014

Private liability insurance

The insurer’s offer in the field of private liability covers three tariff groups with different levels of benefits: smart, comfort and prestige. In this way, coverage amounts of up to 20 million euros are possible. Complaints of damage can also be hedged up to the amount of the cover.

The following services are included in all tariff groups:

  • Damage-free discount: If no damage is claimed within three years, the contribution is reduced by 20 percent
  • Acceptance of costs for electronic data exchange or internet use
  • Hedging for the care of foreign dogs
  • Reimbursement of loss of professional or private keys
  • Performance update without extra charge
  • Hedging as an operator of photovoltaic systems

In the tariff optimally the achievements with damages by Internet use up to the height of the covering sum are secured. In addition, you receive a worldwide insurance coverage.

Extension in the public service possible

The private liability can be extended with a duty of service for teachers or employees in the public service.

Further liability insurance of the provider:

  • Domestic and landowners liability: This protection provides a coverage of up to 20 million euros, even with financial losses. The insurance cover includes a builder’s liability up to 50,000 euros.
  • Owner Liability : This insurance covers damages up to 20 million Euros and also covers the costs for some works that are carried out on their own.
  • Water damage liability : The product reaches for damages caused by leaks in oil tanks.
  • Livestock Liability : This insurance covers damages up to 15 million Euros. In addition, persons who occasionally take care of the animals are insured. If additional animals are insured, the contribution is reduced.
  • Water Sports Liability : The insurance covers damage caused by surfing or boating. The coverage is 20 million euros.
  • Hunting liability : This compulsory insurance for hunters in Germany also covers hunting companions.

complaint Statistics

Number of insurance contracts (as of 31.12.2013) Number of complaints 2014 Complaint share 2014
808121 47 0.06 percent

Source: Complaint Statistics of BaFin 2014


Also the household insurance of the provider is divided into three tariff groups: Smart, comfort and prestige. In the comfort and prestige tariffs, insured persons are provided with all-risks cover and, among other things, are insured for damage caused by vandalism. If desired, household contents insurance can also be extended to include elemental damage insurance through floods or avalanches.

No protection when traveling

This household insurance does not secure household effects on trips. Here you have to add the option “Travel”. Its performance depends on which tariff was chosen.

complaint Statistics

Number of insurance contracts (as of 31.12.2013) Number of complaints 2014 Complaint share 2014
No information No information No information

Source: Complaint Statistics of BaFin 2014