When it comes to addressing various needs in life, we naturally seek out specialists. You consult a doctor for medical treatment, a lawyer for legal advice, a mechanic for car repairs, or an architect for building a house. The reason is simple: these matters are complex, and we trust trained professionals with expertise gained from daily practice.
However, when it comes to insurance, many feel confident in navigating their own path. With the abundance of online DIY options, insurance may seem straightforward and accessible. Yet, just because you can obtain something easily doesn’t mean it’s what you truly need. In fact, self-diagnosis in insurance matters can lead to unintended consequences, potentially causing more harm than good.
Finding the right insurance coverage requires careful analysis. An insurance expert like Max understands this complexity and tailors solutions to address your unique financial risks, considering your life circumstances, preferences, and budget.
While the following list of German insurances provided is far from exhaustive, it aims to offer insights into various insurance products and highlight the manifold intricacies involved in selecting the right coverage for your needs.
In Germany, there are two health insurance systems: statutory and private. Employees who earn below the annual income limit (2025: 73,800 euros gross per year) are required by law to adhere to the statutory system (GKV). In principle, it can be said that the benefits provided by all statutory health insurance funds (Krankenkassen) are up to 95% the same. This is also regulated by law: ‘GKV benefits must be adequate, appropriate and economical’. In other words, it is a legal requirement that the medical services provided by GKV are as limited as possible and necessary. The “wiggle room” when it comes to the benefits is basically limited to the bonus programme of the fund.
Apart from minor differences when it comes to the benefits, there are actually minor differences when it comes to pricing too. Since you are allowed to change your Krankenkasse every 12 months, it is advisable to do a price-performance check every year, just like with your electricity or gas provider, or to ask max for sure.
If you are self-employed, a civil servant or an employee earning more than the limit stated above, you can choose between statutory (GKV) and private health insurance (PKV). PKV differs from GKV in three main ways:
Even though it’s likely you will end up paying less lifetime premiums in PKV than in GKV, getting PKV in Germany should always be a question of securing the best possible medical care as opposed to a financial incentive. Private health insurance is also regarded as one the most complex insurance types on the market. Make sure to take your time and choose an insurance specialist you trust to lead you through the process of selecting the right coverage for your most important asset: your health.
Eligibility depends on your personal situation and health records. Max guides you through the world of PKV and makes sure you get the cover that suits your budget and needs. What’s more, Max provides extensive and continued care and customer support afterwards.
In a society where income is at the basis of the financial planning pyramid and as such usually the one and only source of your wealth today, tomorrow and the day after tomorrow (retirement), occupational disability insurance is often (and rightfully so) regarded as the cornerstone of financial protection and known in Germany as “BU” (Berufsunfähigkeitsversicherung). It is absolutely crucial for protecting you (and often one’s family) against the financial repercussions of long-term loss of income because the state will not. I repeat: the state will not.
Yes, multiple social mechanisms in Germany do make sure that no person legally staying in Germany will ever fall under 900€ per month. This, however, is barely worth being called a survival budget and is a figure far below the poverty threshold. The only way to ensure a worthy standard of living when your health is too compromised to generate an income is by means of a private insurance policy like a Berufsunfähigkeitsversicherung. The BU will replace your income as soon as your occupational disability reaches 50% (e.g. you can only work 20 instead of 40 hours a week) for at least six months and it will keep replacing it as long as necessary until age 67 (unless stated otherwise in your policy).
Let’s also immediately do away with two other very persistent yet dangerous misconceptions:
Firstly, according to Statista (2024), a now 20-year-old man has a 43% chance of at least once becoming berufsunfähig (loss of at least 50% of labour power for at least six months) during their career. For women, the stats say 38%. The average duration of a Berufsunfähigkeit is approximately 7 years. Taking a net wage of 3000€ as an example (which is close to the actual German average net wage), that’s equivalent to an average income loss of 252,000€ for every person becoming berufsunfähig, completely disregarding the loss of pension and compound interest losses due to a forced stop of all investment plans.
The perfect timing for taking out a BU is yesterday, if you are at least 10 years old that is. Most people are between 20 and 30 when they take out their BU. Looking at the numbers of the Statistisches Bundesamt (2024), you can deduce that on average, more than 90% of all lifetime medical costs are made after age 30. The point I’m making is: people hugely underestimate their health condition in the future because of (oftentimes) lacking medical complications during healthier younger years. My daily practice proves this: about half of all over-30-year-olds seeking my counsel to take out a BU do not get past the insurance companies’ medical check and are thus unable to take out the insurance.
Secondly, the term Berufsunfähigkeit sometimes causes a potentially fatal misconception: that your job should be the cause of your occupational disability. In fact, in the rarest of cases does the job itself cause the Berufsunfähigkeit. When it does, it’s usually related to psychological stress (e.g. depression, burn-out), which is actually more likely to occur when people have a desk job. Next to psychological reasons, cancer, other diseases, accidents and heart and circulation issues already make up more than 80% of all recorded occupational disabilities according to Morgen & Morgen (2022), none of which per se have any direct link to one’s actual job.
An often disregarded but crucial repercussion of a long-term loss of income is that it directly affects your old-age income too as employees’ GRV (statutory pension fund) contributions are stopped completely and self-employed people usually don’t have the financial means anymore to serve their private pension plans.
Example: Valery (30) is hit by a stroke. She permanently loses her ability to work as a consequence of the stroke. Because she previously hadn’t paid into the German Pension Fund (gesetzliche Rentenversicherung) for at least 5 years, she doesn’t qualify to get the state’s minimum safety net, the so-called Erwerbsminderungsrente. Her income is thus reduced to zero after 72 weeks of Krankengeld by her Krankenkasse. Valery made a net income of 3000€ per month. Accounting for inflation (2% p.a.) and organic pay raises (1% p.a.), Valery’s loss of income until age 67 amounts to 2,429,000€. Zero payments into the state pension fund increase Valery’s financial loss to more than 4 million euros.
Thanks to her BU however, Valery doesn’t have to add existential financial stress to her already stressful health condition. She gets to enjoy a very comfortable standard of living with ample financial room for a nice and worthy place to live, occasional holidays, all the regular financial requirements for her children and even increased savings into her private pension plans to save her from old-age poverty as she naturally had stopped contributing into the statutory pension fund after her stroke.
Consumer protection experts agree that personal liability insurance (Privathaftpflichtversicherung) is one of the most important types of insurance of all. According to § 823 BGB (German Civil Code), you are liable for damages you cause to third parties with all your assets and – up to the seizure limit – with your income, including future income. Damages can actually amount to multiple millions of euros. It’s important to note that only private matters are through a private liability insurance. Insuring work-related liability damages requires a Berufshaftpflichtversicherung, Vermögensschadenhaftpflichtversicherung, Betriebshaftpflichtversicherung or a so-called Diensthaftpflichtversicherung depending on what you do professionally.
Private liability products vary greatly, from very basic to all-in. In the end, especially when you’re taking out an insurance like this, it really mostly comes down to the clauses you can’t see (because they’re not there). That’s where an insurance expert like Max comes in. He will show you what’s insured, but most importantly, what’s not if you’re choosing price over performance for example. That way, you can make a calculated decision about the risks you want to cover rather than a blind one.
Example one actually happened to Max just after moving to Germany: Max fails to see that the first of two traffic lights in a row is still red, while only noticing the second, farther one turning green. He starts crossing the street with his bike while another car was coming around the corner at 70 km/h. The car hits Max’s front bicycle wheel, Max is catapulted away while the bike slams the car’s bodywork. The insurance company regulated the 5,000 euros car damage.
Example two happened to a client of a colleague of mine: Jeanine (65) crosses a busy highway while misjudging the speed of the approaching bus. The bus has to make violent manoeuvres to avoid hitting Jeanine and eventually topples over. Fortunately, everyone survives the crash but many people have to be hospitalised and the bus is a total loss. The insurance company takes over Jeanine’s total liability of a whopping 2,800,000 euros to compensate for the wreckage, the medical costs, the costs of loss of income for multiple individuals, the cleaning costs, the environmental damages, etc.
Contact Max to make sure your entire insurance portfolio actually suits your needs and wishes
Pension Insurance, or Rentenversicherung, plays a pivotal role in securing financial stability during retirement. As the state pension system faces increasing strain and uncertainty, private contracts have become indispensable in preventing old-age poverty. While the state system provides a basic level of retirement income, it is becoming weaker and less reliable over time.
This was recently highlighted in an official brochure by Deutsche Rentenversicherung Bund (2023):
“The state supports you with additional pension provision. The falling pension level is to be counteracted by greater promotion of private and company pension schemes. It is up to you to take out a suitable contract for yourself.”
Private pension contracts offer individuals the opportunity to supplement their state pension and build a more robust financial foundation for retirement. Additionally, investing in private pension insurance often comes with more-than-significant tax benefits. By taking advantage of these tax incentives, individuals can maximise their retirement savings and ensure a comfortable standard of living in their golden years.
Finding the right option requires an in-depth analysis of your situation, needs and wishes for the future.
Pretty much all movable things that would fall down if your house or flat were turned upside down are called home contents. Home contents insurance safeguards your possessions against a range of events, including theft, fire, storm, water damage, and more. Additionally, depending on the product, you can also insure your bike more affordably through this policy than with a separate contract.
Within the scope if a good home contents insurance, your belongings (including mobile phone, laptop, clothes, luggage, etc.) are also insured away from home, e.g. while travelling or left in the car.
Example: After an extensive fire, John’s house is still standing, but the insides have been completely devastated. John files a claim to compensate for the loss of his belongings. The insurance company pays John’s entire insured home contents worth 200,000 euros. The insurance also covers the costs for clearing all debris, the medical treatment of John’s cat, the costs of retrieving lost digital data and even psychological counselling should John require any. Additionally, the insurance company pays for John’s hotel as long as John’s place remains uninhabitable.
Contact Max to make sure your entire insurance portfolio actually suits your needs and wishes
Sickness Benefits Insurance, or Krankentagegeldversicherung, provides financial protection against loss of income due to illness or injury.
While occupational disability insurance (Berufsunfähigkeitsversicherung – BU) constitutes the most existential form of income protection, it will only replace one’s income when one loses their capacity to work at least 50% for at least six months.
Less existential but hugely more probable is the chance of losing one’s capacity to work for less than six months. In that case, statutory health insurance (Gesetzliche Krankenversicherung) covers about 75% of an employee’s income. This 25% income reduction usually affects the personal or family budget where it really hurts: vacation, fun and excursions, presents, household, investments, retirement planning, etc. Sickness benefits insurance fills this gap by offering daily benefits to policyholders while they are unable to work due to illness or injury.
While this insurance is recommended to everyone alongside a Berufsunfähigkeitsversicherung (or another alternative), the Krankentagegeldversicherung is particularly important for self-employed individuals and freelancers who usually do not benefit from the 75% coverage by their statutory health insurance fund (Krankenkasse). Their income is basically reduced to zero from day one. This is where the Krankentagegeldversicherung and if needed, later the Berufsunfähigkeitsversicherung kick in.
Eligibility depends on your personal situation and health records.
In cases where the traditional Berufsunfähigkeitsversicherung (occupational disability insurance or BU) may be inaccessible because of medical reasons or prohibitively expensive, functional disability insurance can offer a practical solution.
This insurance will pay a monthly benefit (e.g. 2500 euros) in case you lose one or more of your basic capabilities such as the ability to hear, speak, walk, stand or use your arm or hand. Premium tariffs will also cover key organ failures such as liver, heart or lung insufficiencies but also skills such as being able to use public transportation, work on a computer screen or the ability to have a normal conversation.
All in all, the loss of these abilities will often result in a partial or complete loss of one’s ability to work. In this sense, the Grundfähigkeitenversicherung is an intelligent option to protect your income. Especially combined with a dread disease insurance and an accident insurance, most plausible causes for a partial or complete loss of income (and pension) will be covered.
The case for the Grundfähigkeitenversicherung as a useful complement to a BU can be made in that the BU will only pay if your ability to perform your job has decreased by more than 50% for at least six consecutive months. The loss of certain abilities does not necessarily cause a reduction in the ability to perform one’s job. Someone who became paraplegic following a ski accident for example who has a desk job will not receive BU benefits. In this case, the monthly benefit from their Grundfähigkeitenversicherung will cover the added medical and practical costs that come with the condition (wheelchair, car and home modifications, elevator, new home office, etc.).
Example: Jenny (27) is still suffering from Long Covid. She almost completely lost her sense of taste. She’s also fatigued and can only work part time. Her Berufsunfähigkeitsversicherung cannot be activated as Jenny’s ability to work hasn’t decreased by more than 50%. Fortunately, Jenny’s parents had taken out a complementary Grundfähigkeitenversicherung when she was a child. Jenny receives 1400 euros every month for her loss of taste until she’s 67 or until her sense of taste recovers. Jenny is now able to fully compensate for the financial loss of having to work part time. Moreover, she is able to compensate the loss of pension savings in the statutory pension system (GRV) by topping up her private pension insurance plans.
Eligibility depends on your personal situation and health records. max for sure guides you through the functional disability insurance application process so that you thoroughly understand what you’re getting and so that application mistakes (the most common reason for insurance claim denials) are avoided entirely.
With legal expenses insurance, you can decide for yourself which modules it should contain. Apart from the private and job-related modules, you can also include protection for traffic and real estate-related events.
It is a fact that costs of legal proceedings can quickly run into four or even five figures. Apart from covering those costs, the legal expenses insurance also serves as an effective shield against being sued in the first place. So apart from potentially saving you from financial strain or even calamity in case of legal proceedings, experience shows that the hurdle to initiate a legal dispute against people with legal expenses insurance is much higher than against people without cover. In addition, legal expenses insurance can often prevent a dispute from actually becoming a legal dispute by means of a so-called mediation procedure.
Example: According to German legal protection insurer KS / Auxilia, a sum in dispute of “merely” 10,000 euros will cost about 10,000 euros in first and second appeal. A sum in dispute of 100,000 euros will cost about 30,000 euros in first and second appeal. The costs of a legal dispute over one million euros will cost around 730,000 euros in first and second appeal.
Contact Max to make sure your entire insurance portfolio actually suits your needs and wishes
Life insurance pays out a lump sum of money (e.g. 500,000 euros) when the insured person dies. It is essential for anyone with dependents or financial obligations, ensuring their future financial well-being, notably families with children or people who have taken out loans or credits.
What’s more, life insurance can also be crucial to ensure hereditary taxes can either be paid or avoided altogether. Of course, all tax-related enquiries are to be directed to your tax advisor.
Example: Karla (25) is an only child. Her dad passed away when she was a child. Her mother inherited the family villa from Karla’s father. Karla’s mother’s assets and possessions reach a total worth of one million euros. If Karla’s mother were to die, Karla would have to pay inheritance taxes of nearly 100,000 euros on 600,000 euros (400,000 euros are tax free). Since Karla is at the beginning of her career, Karla’s mother takes out life insurance for 100,000 euros to protect her daughter from financial ruin in case she died unexpectedly.
Eligibility depends on your personal situation and health records. max for sure guides you through the life insurance application process so that you thoroughly understand what you’re getting and so that application mistakes (the most common reason for insurance claim denials) are avoided entirely.
A generally underestimated insurance that should feature in everyone’s portfolio. For people who drive, ski, dive or travel a lot or who engage in other higher-risk activities, this insurance should be a no-brainer.
Accident insurance offers financial compensation for disabilities resulting from accidents, providing coverage for medical expenses, cosmetic operations, search and rescue, necessary adaptions to the house or car, rehabilitation and loss of income. In case of long-term disability to work as a result of a disability sustained from an accident, this insurance can also provide vital extra funds to finance pension plans which may no longer be served as a consequence of the long-term loss of income.
Example: Alex (43) loses his eyesight completely after a blow to his head sustained during a car crash. The accident insurance pays 1,000,000 euros. Additionally, the insurance pays for all the necessary adaptions Alex needs in the house.
Contact Max to make sure your entire insurance portfolio actually suits your needs and wishes.
This insurance pays a lump sum of money (e.g. 200,000 euros) when a so-called dread disease is diagnosed (e.g. cancer, stroke, heart attack, etc.). The catalogue of recognised diseases is a lot bigger than in the Multi-Rente (see below).
Apart from being particularly important for people who cannot get a Berufsunfähigkeitsversicherung for medical reasons (e.g. ongoing psychological treatment), by itself, the dread disease insurance is also an ideal complement to the BU. Remember, the BU will only pay after at least six months when at least 50% of your ability to do your job has been lost. Plus, it will pay a (comparatively) small monthly benefit instead of a lump sum.
Six months is a long time to wait for your money, especially if you are self-employed. Also, there is no guarantee that a dread disease will result in a 50%+ reduction of your occupational abilities. In other words, when diagnosed with a dread disease, there might be an acute and dire need for extra financial resources because of a partial or complete reduction of your ability to work or to pay for extra treatment costs (e.g. treatment abroad). This need is not covered by your BU.
What’s more, even if your BU kicks in after six months and the occupational disability is expected to last for many years, the lump sum paid out by your dread disease insurance can serve as an indispensable financial injection towards your retirement funds.
Example: Janine (35) is diagnosed with breast cancer. Since she recently switched to being completely self-employed as a photographer, Janine unfortunately lost her entitlement to continued remuneration by her employer as well as her sickness benefits from the statutory health insurance (GKV). The intense chemo therapy forces Janine to cancel all her shoots for the upcoming months. Her dread disease insurance immediately pays out 150,000 euros. After five months of treatment and recuperation, Janine is finally able to get back to work. Her Berufsunfähigkeitsversicherung never kicked in. Thanks to the dread disease insurance, Janine can continue her dream of becoming a renowned nature photographer.
Eligibility depends on your personal situation and health records. max for sure guides you through the dread disease insurance application process so that you thoroughly understand what you’re getting and so that application mistakes (the most common reason for insurance claim denials) are avoided entirely.
While taking out a Berufsunfähigkeitsversicherung (BU) should be the be-all and end-all of each and everyone’s financial planning strategy, there is one potentially very dangerous shortcoming: the BU will not pay past age 67. For most people, that’s exactly the age where their income will drop drastically (unless you’re very well prepared – see pension insurance).
So imagine something very bad happened at a young age and you have been surviving on benefits off of your BU for the past 30 years. Since you have been unable to work, you will have had to fund your pension yourself entirely via private contracts, and that off of your BU benefits as well. It is safe to say that in this scenario, barely anyone will have managed to save enough to live comfortably after reaching retirement age.
Multi-Rente is an insurance product that pays you a monthly allowance for life (e.g. 1500 euros) in most worst-case scenarios: dread disease diagnoses (e.g. MS), loss of basic abilities (e.g. eyesight), a necessity for long-term care, accidents resulting in disabilities and organ failures.
Example: Jason (22) loses a leg after a motorcycle accident. His Multi-Rente insurance will pay him 1500 euros a month as long as Jason lives.
Eligibility depends on your personal situation and health records. max for sure guides you through the Multi-Rente application process so that you thoroughly understand what you’re getting and so that application mistakes (the most common reason for insurance claim denials) are avoided entirely.
Long-Term Care Insurance, or Pflegezusatzversicherung is often overlooked despite its critical importance. While statutory long-term care insurance (gesetzliche Pflegepflichtversicherung) provides some level of coverage for long-term care services, it’s essential to recognise that the remaining costs in case of long-term care needs can be substantial, amounting to more than 2000 euros per month (!).
Many people underestimate the financial burden associated with long-term care, which can quickly deplete savings, assets as well as pension funds. Since eligibility depends on your personal health records, it’s essential to take out this insurance while you can in order to prevent additional charges to your premium at a later time or a complete rejection by insurance companies altogether.
Example: After an ALS diagnosis 10 years ago, Julian (60) reaches Pflegegrad (care level) 3/5 and due to the severity of his illness, he now needs to be admitted to an institution in Berlin. Average monthly costs amount to 3592 euros. The German mandatory long-term care insurance (Pflegepflichtversicherung) only covers 1262 euros (2024). The financial gap to bridge thus amounts to an incredible 27,960 euros per year.
Eligibility depends on your personal situation and health records.
Cancer Insurance, or Krebsversicherung, serves as a complement to Berufsunfähigkeitsversicherung (Occupational Disability Insurance), especially for people who cannot get Dread Disease Insurance.
Cancer insurance offers essential financial protection in the event of a cancer diagnosis. While Berufsunfähigkeitsversicherung provides coverage for disabilities that prevent individuals from working, cancer insurance goes beyond by specifically addressing the financial challenges associated with cancer treatment and recovery.
Importantly, in the case of a cancer diagnosis, Berufsunfähigkeitsversicherung may not necessarily provide immediate financial support, potentially leaving individuals vulnerable to significant financial strain. Cancer insurance bridges this gap by offering financial assistance for non-medical expenses, such as transportation, accommodation, home care, and alternative therapies, which may not be covered by traditional health insurance or disability insurance policies.
By providing comprehensive support during a challenging time, cancer insurance ensures that individuals can focus on their recovery without worrying about the financial implications of their diagnosis.
Contact Max to make sure your entire insurance portfolio actually suits your needs and wishes.
Travel health insurance is a definite must-have for travels outside the EU and for trips at sea or to remote locations in general. Some countries even require proof of health insurance to be allowed to enter. Even within the EU however, getting travel health insurance is highly recommended because there are serious limitations to the coverage the European Health Insurance Card (EHIC) offers.
Trips of more than eight weeks require a different kind of insurance than shorter trips. If you are planning a longer trip, especially to a country with high medical costs such as the USA, make sure to thoroughly check the travel health insurance’s cover limits. Best to consult Max to get the coverage that suits your specific needs.
Example: Livia (28) is hospitalised in Myanmar and diagnosed with dengue fever. After two weeks, she’s still not stable with dangerously high fever. Her travel health insurance medical team decides to fly her back to Germany by private air ambulance to be able to provide potentially life-saving emergency treatment. The insurance covers all expenses related to Livia’s treatment totalling over 30,000€. After Livia has been stabilised, the insurance offers her the option of being brought back to Myanmar to continue her trip.
Contact Max for a free consultation on travel health insurance.
Probably Germany’s most hyped insurance, not entirely unjustified either. Statutory health insurance (GKV) has been systematically reducing their dental coverage. What’s left today is model with very basic coverage, sometimes not even covering standard treatments entirely. Crowns, bridges, dentures, you name it, the deductible (part you have to pay out-of-pocket) often amounts to several hundred euros.
Orthodontics have also been taken out completely of the GKV’s benefits, at least for adults. If a retainer needs replacement, we are looking at 200-400 euros. An entire orthodontic treatment for adults usually ranges between 5000 and 10,000 euros.
Dental supplementary insurance was designed to cover these excessive deductibles, to be able to choose higher quality materials for your mouth and to cover optional benefits such as bleaching or dental prophylaxis.
Since getting this type of insurance is rendered basically impossible once treatments have been recommended or commenced, the importance of getting this insurance while your mouth and teeth are in good health cannot be emphasised enough. What’s more, insurance benefits are actually capped during the first couple of years, once again emphasising the importance of getting this insurance sooner rather than later.
To my personal opinion, the case for a dental supplementary insurance is simple: with age and with rising tendency, everyone will have to pay for their dental treatments. Since barely anyone puts money away separately specifically to cover the extensive costs of such unexpected treatments, a dental supplementary insurance is a logical and extremely effective tool to make sure that for a very affordable monthly cost, your dental budget becomes entirely plannable.
Example: The placement of a ceramic bridge costs 1500 euros. According to the German Regelversorgung system, the GKV pays 600 euros. Depending on the policy details, the Zahnzusatzversicherung will cover up to 900 euros.
Contact Max to make sure your entire insurance portfolio actually suits your needs and wishes.
For people insured via the statutory health insurance (GKV) system who wish to upgrade their coverage to near-PKV (private health insurance) level, the ambulante Zusatzversicherung, next to the Zahnzusatzversicherung, are clearly the most efficient insurances for this very purpose.
With outpatient supplementary insurance, you can enjoy easier access to specialist medical care without long waiting times. This means you can schedule appointments with specialists more quickly, ensuring you receive the care you need when you need it.
Additionally, outpatient supplementary insurance covers additional services such as alternative medicine (Naturheilverfahren), preventative check-ups, vaccinations, and treatments not covered by standard health insurance. This gives you access to a broader range of healthcare options to suit your needs.
By having supplementary outpatient insurance, you can avoid high out-of-pocket expenses for services not covered by statutory health insurance, as well as make those expenses plannable. Many people end up spending way less on their insurance than on the actual supplementary health spendings covered by this insurance.
What’s more, given the broad range of preventive medical examinations (Vorsorgeuntersuchungen) which are covered by this insurance, this insurance can definitely be regarded as an incredibly useful and effective investment in one’s health.
As with all health-related insurances, to take out this insurance, it is paramount that your health is in good condition and that no medical recommendations or treatments the insurance covers are outstanding. Again, the importance of getting this insurance while you are in good health cannot be emphasised enough.
Eligibility depends on your personal situation and health records.
Let’s face it: having to be hospitalised is rarely ever something to look forward to or something you do out of free will. In most cases, hospitalisation means you are in need of urgent medical care and most of all: you will need to recover. It’s questionable if the most favourable environment for that consists of a multi-bed shared hospital room with a shared toilet and shower and people snoring all night (and day).
Inpatient supplementary insurance allows you to determine yourself how you want to be hospitalised. Private one-bed room? No problem. Free choice of where you want to be hospitalised? No problem. Very expensive treatment? No problem.
What else can be included: second opinions by specialists, treatment by a head physician, extra treatments exceeding the statutory catalogue (massages, physiotherapy, etc.), rooming-in (stay with your hospitalised kid for free), etc.
Maybe most importantly, premium tariffs include the possibility to include treatments and specialists far exceeding the so-called GOÄ, a fee schedule limiting what doctors can invoice for their treatments and care thus opening the door to the most expensive top-notch and/or hi-tech medical care.
As with all other health-related insurances, you can only take out this insurance while your health condition is and has been ‘good’ for at least the last couple of years. Also, there are so-called waiting times, meaning that you are not covered until the waiting time (e.g. 3 months) is over. Talk to max for sure to check your eligibility.
Homeowners insurance covers damages to residential buildings caused by fire, storms, or other covered perils, ensuring protection for homeowners against property-related risks. It is essential for homeowners to safeguard their investment and property assets.
Contact Max for a free consultation on homeowners insurance.
Mandatory for dogs and horses in many German federal states, such as Berlin, pet owner’s liability insurance covers damages or injuries caused by pets to third parties, providing financial protection against legal liabilities. It is important for pet owners to ensure responsible ownership and mitigate risks associated with pet ownership.
Contact Max to make sure your entire insurance portfolio actually suits your needs and wishes.
Car insurance provides coverage for damages to vehicles and liability protection in case of accidents, ensuring financial protection for vehicle owners and drivers. It is mandatory for all vehicle owners in Germany and essential for anyone driving on the roads.
Contact Max to make sure your entire insurance portfolio actually suits your needs and wishes.