{"id":1527,"date":"2026-01-29T15:46:24","date_gmt":"2026-01-29T14:46:24","guid":{"rendered":"https:\/\/www.max-for-sure.de\/?page_id=1527"},"modified":"2026-04-20T12:01:38","modified_gmt":"2026-04-20T10:01:38","slug":"expat-insurance","status":"publish","type":"page","link":"https:\/\/www.max-for-sure.de\/es\/expat-insurance\/","title":{"rendered":"Expat Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1527\" class=\"elementor elementor-1527\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33529215 e-flex e-con-boxed e-con e-parent\" data-id=\"33529215\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-726bb805 e-con-full e-flex e-con e-child\" data-id=\"726bb805\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3b090038 e-con-full e-flex e-con e-child\" data-id=\"3b090038\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1392275c e-con-full e-flex e-con e-child\" data-id=\"1392275c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6f21259c elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"6f21259c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Trust me, it\u2019s a jungle\u2026 <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e1b0210 elementor-align-justify elementor-widget__width-initial elementor-widget elementor-widget-button\" data-id=\"e1b0210\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#insurances\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Straight to insurances<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d719db2 e-con-full e-flex e-con e-child\" data-id=\"1d719db2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-690ed773 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"690ed773\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInLeft&quot;,&quot;animation_delay&quot;:500}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fc013e6 elementor-widget elementor-widget-video\" data-id=\"2fc013e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/shorts\\\/hiz6DBL_sjg&quot;,&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_on&quot;:[&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;,&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-114cab7a e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"114cab7a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInRight&quot;,&quot;animation_delay&quot;:600}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c27a966 elementor-widget elementor-widget-text-editor\" data-id=\"6c27a966\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83e\udde0 Complex eligibility rules that vary by income, visa type, job status, or age<\/p><p>\ud83c\udfe2 Over 500 active insurance companies in Germany<\/p><p>\ud83d\udcc2 More than 80 types of personal and business insurance<\/p><p>\ud83e\uddf7 Thousands of individual tariffs and add-ons<\/p><p>\ud83d\udcc4 Each policy is defined by 20\u2013100+ pages of terms and conditions<\/p><p><span style=\"font-weight: 400;\">\ud83c\udde9\ud83c\uddea All legally binding documentation must be in German<\/span><\/p><p><span style=\"font-weight: 400;\">\ud83d\udcb8 Different taxation rules depending on the product<\/span><\/p><p><b>\u2696\ufe0f <\/b><span style=\"font-weight: 400;\">Obligations must be met, otherwise the insurance will not pay<\/span><\/p><p><span style=\"font-weight: 400;\">\ud83d\udd01 Constant changes to laws, tariffs, and benefits<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e87d099 elementor-widget elementor-widget-global elementor-global-1653 elementor-widget-button\" data-id=\"e87d099\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"\/get-in-touch\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\"> Get in touch<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf2e7bb e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"cf2e7bb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:600}\">\n\t\t<div class=\"elementor-element elementor-element-edae98e e-con-full e-flex e-con e-child\" data-id=\"edae98e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;position&quot;:&quot;absolute&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-258a639 elementor-widget elementor-widget-heading\" data-id=\"258a639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">It\u2019s no wonder so many expats sign contracts they don\u2019t fully understand \u2014 or end up paying too much for too little.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a4ea28 elementor-absolute elementor-widget elementor-widget-elementskit-video\" data-id=\"1a4ea28\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"elementskit-video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"ekit-wid-con\" >\t\t<div class=\"video-content\" data-video-player=\"[]\" data-video-setting=\"{&quot;videoVolume&quot;:&quot;horizontal&quot;,&quot;startVolume&quot;:0.8,&quot;videoType&quot;:&quot;iframe&quot;,&quot;videoClass&quot;:&quot;mfp-fade&quot;,&quot;videoStyle&quot;:&quot;popup&quot;,&quot;videoTypeName&quot;:&quot;youtube&quot;,&quot;autoplay&quot;:false,&quot;muted&quot;:false,&quot;loop&quot;:false}\">\n\t\t\t\n<a class=\"ekit_icon_button glow-ripple ekit-video-popup ekit-video-popup-btn\" href=\"https:\/\/www.youtube.com\/embed\/sgFH2URouMU?feature=oembed?playlist=sgFH2URouMU&amp;mute=0&amp;autoplay=0&amp;loop=no&amp;controls=0&amp;start=0&amp;end=\" aria-label=\"video-popup\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"icon icon-play\"><\/i>\t\t\n\t\t\t<\/a>\n\t\t\t\t\t\t\t<div class=\"ekit-hidden-icons\" hidden aria-hidden=\"true\">\n\t\t\t\t\t<i class=\"ekit-popup-close-icon icon icon-cancel\"><\/i>\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a73f611 e-flex e-con-boxed e-con e-parent\" data-id=\"3a73f611\" data-element_type=\"container\" data-e-type=\"container\" id=\"insurances\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-034897e elementor-align-start elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"034897e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-rocketchat\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Some of the most common requests I get from expats<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44fd8c93 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-heading\" data-id=\"44fd8c93\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\"><img decoding=\"async\" role=\"img\" class=\"emoji\" alt=\"\ud83d\udcac\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/17.0.2\/svg\/1f4ac.svg\"> Some of the most common requests I get from expats\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27630b25 elementor-widget elementor-widget-n-accordion\" data-id=\"27630b25\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6600\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6600\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \ud83c\udfe5 Health &amp; insurance basics <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6600\" class=\"elementor-element elementor-element-2b23076a e-con-full e-flex e-con e-child\" data-id=\"2b23076a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5954533c elementor-widget elementor-widget-text-editor\" data-id=\"5954533c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83d\udd04 I want to switch from public (GKV) to <a href=\"\/private-health-insurance-pkv\">Private Health Insurance (PKV).<\/a><\/p><p>\ud83d\udc6a We\u2019re staying in Germany long-term \u2013 can you check all our insurance needs?<\/p><p>\ud83d\udcc4 I have a bunch of insurance contracts but no idea what\u2019s in them. Can you take a look?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6601\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6601\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \u2708\ufe0f Visa-related needs <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6601\" class=\"elementor-element elementor-element-405fd4d6 e-con-full e-flex e-con e-child\" data-id=\"405fd4d6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38f41c83 elementor-widget elementor-widget-text-editor\" data-id=\"38f41c83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83e\udded I\u2019ll be moving to Germany soon \u2013 which type of health insurance am I supposed to get?<\/p><p>\ud83d\udeec I need visa-compliant health insurance to apply for my residence permit. Please advise.<\/p><p>\ud83e\uddf3 Friends or family are visiting \u2013 they need visa-compliant travel insurance. Any suggestions?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6602\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6602\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \ud83d\udcbc Income &amp; life insurance <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6602\" class=\"elementor-element elementor-element-6c8d0b89 e-con-full e-flex e-con e-child\" data-id=\"6c8d0b89\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78504b1d elementor-widget elementor-widget-text-editor\" data-id=\"78504b1d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83d\udedf My company told me to get a Berufsunf\u00e4higkeitsversicherung (income protection). Can you help?<\/p><p>\ud83d\udd12 I want to make sure my partner and I are financially protected \u2013 in case one of us can\u2019t work anymore or even dies.<\/p><p>\ud83c\udd98 I\u2019m self-employed \u2014 I can\u2019t afford to be sick for too long. What coverage helps in case of illness, accident, or mental health issues<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6603\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6603\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \ud83d\ude97 Car insurance <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6603\" class=\"elementor-element elementor-element-4703cbeb e-con-full e-flex e-con e-child\" data-id=\"4703cbeb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-698e05c9 elementor-widget elementor-widget-text-editor\" data-id=\"698e05c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83d\ude98 I brought damage-free years from abroad, but no German insurer accepts them. Can you help?<\/p><p>\ud83d\udcb6 I think I\u2019m overpaying for my car insurance. Can you find me a better deal?<\/p><p>\ud83d\udce5 I\u2019m about to buy a car \u2013 they told me I need an eVB number. Can you help?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6604\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6604\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \ud83e\udde9  Surprises in the German system <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6604\" class=\"elementor-element elementor-element-4e3c36a1 e-con-full e-flex e-con e-child\" data-id=\"4e3c36a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e6a15b6 elementor-widget elementor-widget-text-editor\" data-id=\"e6a15b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83e\uddb7 I didn\u2019t know dental coverage in GKV is so limited. Can you help me get proper coverage?<\/p><p>\ud83d\udcc9 I understand the German public pension won\u2019t be enough. What private saving solutions make sense for me?<\/p><p>\ud83d\udee1\ufe0f Everyone says private liability insurance is essential. Is it really necessary?<\/p><p>\ud83c\udf0d I just found out I\u2019m not properly covered when travelling. Please arrange suitable travel insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-6605\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-6605\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> \ud83c\udf31 New life chapters <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-6605\" class=\"elementor-element elementor-element-65d85325 e-con-full e-flex e-con e-child\" data-id=\"65d85325\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fe99c60 elementor-widget elementor-widget-text-editor\" data-id=\"7fe99c60\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83d\udc76 We\u2019re having a baby \u2013 please adjust our policies and advise on what we need now.<\/p><p>\ud83d\ude80 I\u2019m starting a business in Germany \u2013 can you advise on the necessary insurances?<\/p><p>\ud83c\udfe1 We\u2019re buying property \u2013 is there anything I need to adjust or add to my insurance setup?<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-42e9858c e-flex e-con-boxed e-con e-parent\" data-id=\"42e9858c\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3678b7a4 e-flex e-con-boxed e-con e-child\" data-id=\"3678b7a4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b904a02 elementor-widget elementor-widget-heading\" data-id=\"1b904a02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Understanding insurance in Germany\n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76d0d981 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"76d0d981\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Germany\u2019s insurance landscape can be complex and overwhelming\u2014especially for those new to the system. The following overview is by no means exhaustive, but it offers a first orientation and highlights the wide range of products and the many nuances involved in choosing the right coverage.<\/span><\/p><p><span style=\"font-weight: 400;\">It\u2019s not just about <\/span><b>which insurances<\/b><span style=\"font-weight: 400;\"> may apply to your situation\u2014it\u2019s also about <\/span><b>how these are configured<\/b><span style=\"font-weight: 400;\">, how they interact with each other, and what makes sense for your individual goals, values, and stage of life. That\u2019s where good advice becomes essential.<\/span><\/p><p><span style=\"font-weight: 400;\">If you&#8217;re unsure where to begin, don\u2019t hesitate to <a href=\"\/get-in-touch\/\">get in touch with Max<\/a> or your trusted insurance broker. A solid consultation will provide you with the framework, insights, and strategy you need to navigate the system with confidence\u2014and make decisions that actually serve you.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e237607 elementor-widget elementor-widget-n-accordion\" data-id=\"3e237607\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;max_items_expended&quot;:&quot;multiple&quot;,&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1040\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1040\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Health Insurance (Krankenversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1040\" class=\"elementor-element elementor-element-16d41953 e-con-full e-flex e-con e-child\" data-id=\"16d41953\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5fa8ab83 elementor-widget elementor-widget-text-editor\" data-id=\"5fa8ab83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In Germany, there are two health insurance systems: public and private. Employees who earn below the annual income limit (<b>2026: 77,400 euros gross per year<\/b>) are required by law to adhere to the public system (GKV). In principle, it can be said that the benefits provided by all public health insurance funds (<em>Krankenkassen<\/em>) are up to 95% the same. This is also regulated by law: \u2018GKV benefits must be adequate, appropriate and economical\u2019. In other words, it is a legal requirement that the medical services provided by GKV are as limited as possible and necessary. The \u201cwiggle room\u201d when it comes to the benefits is basically limited to the bonus programme of the fund.<\/p><p>Apart from minor differences when it comes to the benefits, there are actually bigger differences when it comes to pricing. Since you are allowed to change your\u00a0<em>Krankenkasse<\/em>\u00a0every 12 months, it is advisable to do a price-performance check every year, just like with your electricity or gas provider.<\/p><p>If you are self-employed, a civil servant or an employee earning more than the limit stated above, you can choose between public (GKV) and <a href=\"\/private-health-insurance-pkv\">private health insurance (PKV)<\/a>.\u00a0<strong>PKV differs from GKV in so many ways.\u00a0<\/strong>Here are three main differences:<strong>\u00a0<\/strong><\/p><ul><li>Firstly, private health insurance is based on a contract under private law, which means that\u00a0<strong>your benefits are guaranteed for life<\/strong>. This is an incredible advantage. In public health insurance, the legislator can change (i.e. reduce) the benefits at any time, and does so regularly.<\/li><li>Secondly, every private health insurance provider has different price-benefit tariffs with different conditions. You can therefore put together your own cover and, in the best case, switch between tariffs.\u00a0<strong>The premium tariffs in PKV offer benefits that far, far outweigh GKV benefits.<\/strong><\/li><li>Thirdly,\u00a0<strong>the monthly fee (also called premium) in each tariff depends on your age and state of health<\/strong>\u00a0at the time of taking out cover, not on your salary, which often makes it a lot cheaper than GKV, especially in younger years.<\/li><\/ul><div>\u00a0<\/div><p>Even though it\u2019s 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.\u00a0 <span style=\"font-weight: 400;\">Please check out PKV in more detail <a href=\"\/Private-Health-Insurance-pkv\">here.<\/a><\/span><\/p><p><strong>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\u2019s more, you benefit from extensive support once you\u2019re insured.\u00a0<\/strong><\/p><p><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\"><strong>Get In Touch<\/strong><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1041\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1041\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Occupational Disability Insurance (Berufsunf\u00e4higkeitsversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1041\" class=\"elementor-element elementor-element-13e08fe3 e-con-full e-flex e-con e-child\" data-id=\"13e08fe3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f8fd222 elementor-widget elementor-widget-text-editor\" data-id=\"f8fd222\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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\u00a0<strong>cornerstone of financial protection<\/strong>\u00a0and known in Germany as \u201cBU\u201d (<em>Berufsunf\u00e4higkeitsversicherung<\/em>). It is absolutely crucial for protecting you (and often one\u2019s family) against the financial repercussions of long-term loss of income because the state will not. I repeat:\u00a0<strong>the state will not.<\/strong><\/p><p>Yes, multiple social mechanisms in Germany do make sure that no person legally staying in Germany will ever fall under a certain amount per month. This, however, is barely worth being called a survival budget and we\u2019re talking about a figure far below the poverty threshold.\u00a0<strong>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\u00a0<em>Berufsunf\u00e4higkeitsversicherung<\/em>.<\/strong>\u00a0The 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).<\/p><p>Let\u2019s also immediately do away with two other very persistent yet dangerous misconceptions:<\/p><ol><li>What are the chances? There is no way this could happen to me.<\/li><li>I have a desk job, I\u2019ll always be able to work.<\/li><\/ol><p>Firstly, according to Statista (2024), a now 20-year-old man has a 43% chance of at least once becoming\u00a0<em>berufsunf\u00e4hig<\/em>\u00a0(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\u00a0<em>Berufsunf\u00e4higkeit<\/em>\u00a0is approximately 6 to 7 years. Taking a net wage of 3000\u20ac as an example (which is close to the actual German average net wage), that\u2019s equivalent to an average income loss of 252,000\u20ac for every person becoming\u00a0<em>berufsunf\u00e4hig<\/em>, completely disregarding the loss of pension and compound interest losses due to a forced stop of all investment plans.<\/p><p>The perfect timing for taking out a BU is yesterday, if you are at least 10 years old that is.\u00a0<strong>Most people are between 20 and 30 when they take out their BU. Looking at the numbers of the\u00a0<em>Statistisches Bundesamt<\/em>\u00a0(2024), you can deduce that on average, more than 90% of all lifetime medical costs are made after age 30. The point I\u2019m making is: people hugely underestimate their health condition in the future because of (oftentimes) lacking medical complications during healthier younger years.<\/strong>\u00a0My 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\u2019 medical check and are thus unable to take out the insurance.<\/p><p>Secondly, the term\u00a0<em><u>Beruf<\/u>sunf\u00e4higkeit\u00a0<\/em>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\u00a0<em>Berufsunf\u00e4higkeit<\/em>. When it does, it\u2019s 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 &amp; Morgen (2022), none of which per se have any direct link to one\u2019s actual job.<\/p><p>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\u2019 GRV (statutory pension fund) contributions are stopped completely and self-employed people usually don\u2019t have the financial means anymore to serve their private pension plans.<\/p><p><strong>Example<\/strong>: Valery (30) is hit by a stroke. She permanently loses her ability to work as a consequence of the stroke. Because she previously hadn\u2019t paid into the German Pension Fund (gesetzliche Rentenversicherung) for at least 5 years, she doesn\u2019t qualify to get the state\u2019s minimum safety net, the so-called\u00a0<em>Erwerbsminderungsrente<\/em>. Her income is thus reduced to zero after 72 weeks of\u00a0<em>Krankengeld<\/em>\u00a0by her\u00a0<em>Krankenkasse<\/em>. Valery made a net income of 3000\u20ac per month. Accounting for inflation (2% p.a.) and organic pay raises (1% p.a.), Valery\u2019s loss of income until age 67 amounts to 2,429,000\u20ac. Zero payments into the state pension fund increase Valery\u2019s financial loss to more than 4 million euros.<\/p><p>Thanks to her BU however, Valery doesn\u2019t 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.\u00a0<\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21c7a3e9 elementor-widget__width-initial elementor-widget elementor-widget-video\" data-id=\"21c7a3e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=gf6HVu9wtkk&amp;t=345s &quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1042\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1042\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Private Liability Insurance (Privathaftpflichtversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1042\" class=\"elementor-element elementor-element-3e1849cf e-con-full e-flex e-con e-child\" data-id=\"3e1849cf\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d5ebe03 elementor-widget elementor-widget-heading\" data-id=\"d5ebe03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Watch this video in your preferred language:<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75c0a62f elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"75c0a62f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/youtube.com\/shorts\/3nZUbkukd5k?si=ROoiQ8TNnUVCQxPv\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddec\ud83c\udde7 \u2014 English<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=fr8wt9YnD2w&#038;list=PLZapWCg6Zm9iKZXqVwZHjXehIlmnR8zbJ&#038;index=10%20\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\udde9\ud83c\uddea \u2014 German<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=QWdrsp0Mexw&#038;list=PLZapWCg6Zm9hsqTjzflC7wfXG-UWzsUTP&#038;index=10\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddeb\ud83c\uddf7 \u2014 French<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=W-K7rv0nioM&#038;list=PLZapWCg6Zm9j8_pHXmEPIsjE_QZD_7l5T&#038;index=7\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddf3\ud83c\uddf1 \u2014 Dutch<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=pyuHwcbNhBA&#038;list=PLZapWCg6Zm9gbVYQqW_ng9gdB_ilE4doT&#038;index=4%20\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddea\ud83c\uddf8 \u2014 Spanish<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6f56cc82 elementor-widget elementor-widget-text-editor\" data-id=\"6f56cc82\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Consumer protection experts agree that personal liability insurance (<em>Privathaftpflichtversicherung<\/em>) is one of the most important types of insurance of all. According to \u00a7 823 BGB (German Civil Code), you are liable for damages you cause to third parties with all your assets and \u2013 up to the seizure limit \u2013 with your income, including future income. Damages can actually amount to multiple millions of euros. It\u2019s important to note that only\u00a0<em>private<\/em>\u00a0matters are through a\u00a0<em>private<\/em>\u00a0liability insurance. Insuring work-related liability damages requires a\u00a0<em>Berufshaftpflichtversicherung<\/em>,\u00a0<em>Verm\u00f6gensschadenhaftpflichtversicherung<\/em>,\u00a0<em>Betriebshaftpflichtversicherung<\/em>\u00a0or a so-called\u00a0<em>Diensthaftpflichtversicherung<\/em>\u00a0depending on what you do professionally.<\/p><p><strong>Private liability products vary greatly, from very basic to all-in. In the end, especially when you\u2019re taking out an insurance like this, it really mostly comes down to the clauses you can\u2019t see (because they\u2019re not there).<\/strong><\/p><p><strong>Example one actually happened to Max just after moving to Germany:<\/strong>\u00a0Max 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\u2019s front bicycle wheel, Max is catapulted away while the bike slams the car\u2019s bodywork. The insurance company regulated the 5,000 euros car damage.<\/p><p><strong>Example two happened to a client of a colleague of mine<\/strong>: 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\u2019s 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.<\/p><p><a class=\"modal-trigger\" title=\"Contact\" href=\"https:\/\/www.max-for-sure.de\/contact\/\"><strong>Contact Max<\/strong><\/a>\u00a0to make sure your entire insurance portfolio actually suits your needs and wishes<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1043\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"4\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1043\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Pension Insurance (Rentenversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1043\" class=\"elementor-element elementor-element-7d640ea4 e-con-full e-flex e-con e-child\" data-id=\"7d640ea4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e5aeb54 elementor-widget elementor-widget-video\" data-id=\"4e5aeb54\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/shorts\\\/j7hPotJ6nA4&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a405ea7 elementor-widget elementor-widget-text-editor\" data-id=\"1a405ea7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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\u00a0<strong>indispensable in preventing old-age poverty<\/strong>. While the state system provides a basic level of retirement income, it is becoming weaker and less reliable over time.<\/p><p>This was recently highlighted in an official brochure by Deutsche Rentenversicherung Bund (2023):<\/p><p><strong>\u201cThe 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.\u201d<\/strong><\/p><p>Private pension contracts offer individuals the opportunity to supplement their state pension and build a more robust financial foundation for retirement.\u00a0<strong>Additionally, investing in private pension insurance often comes with more-than-significant tax benefits.<\/strong>\u00a0By taking advantage of these tax incentives, individuals can maximise their retirement savings and ensure a comfortable standard of living in their golden years.<\/p><p><strong>Finding the right option requires an in-depth analysis of your situation, needs and wishes for the future.<\/strong><\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1044\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"5\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1044\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Home Contents Insurance (Hausratversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1044\" class=\"elementor-element elementor-element-2cd394e e-con-full e-flex e-con e-child\" data-id=\"2cd394e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a8f5a2a elementor-widget elementor-widget-heading\" data-id=\"5a8f5a2a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Watch this video in your preferred language:<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6c2d3884 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"6c2d3884\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=WO8jo04pN9I&#038;list=PLZapWCg6Zm9h5_tfmaVlbOiE6OXht6woE&#038;index=11%20\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddec\ud83c\udde7 \u2014 English<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=tPqDznsYmDw&#038;list=PLZapWCg6Zm9iKZXqVwZHjXehIlmnR8zbJ&#038;index=7\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\udde9\ud83c\uddea \u2014 German<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=l3I0gT2RIe4&#038;list=PLZapWCg6Zm9hsqTjzflC7wfXG-UWzsUTP&#038;index=8\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddeb\ud83c\uddf7 \u2014 French<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=xo9Fwqgxx1E&#038;list=PLZapWCg6Zm9j8_pHXmEPIsjE_QZD_7l5T&#038;index=9%20\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddf3\ud83c\uddf1 \u2014 Dutch<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=1Cztvteou_Q&#038;list=PLZapWCg6Zm9gbVYQqW_ng9gdB_ilE4doT&#038;index=6\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddea\ud83c\uddf8 \u2014 Spanish<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-74d22b52 elementor-widget elementor-widget-text-editor\" data-id=\"74d22b52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p><p>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.<\/p><p><strong>Example<\/strong>: After an extensive fire, John\u2019s 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\u2019s entire insured home contents worth 200,000 euros. The insurance also covers the costs for clearing all debris, the medical treatment of John\u2019s cat, the costs of retrieving lost digital data and even psychological counselling should John require any. Additionally, the insurance company pays for John\u2019s hotel as long as John\u2019s place remains uninhabitable.<\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"https:\/\/www.max-for-sure.de\/contact\/\">Contact Max<\/a>\u00a0<\/strong>to make sure your entire insurance portfolio actually suits your needs and wishes<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1045\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"6\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1045\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Sickness Benefits Insurance (Krankentagegeldversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1045\" class=\"elementor-element elementor-element-61104593 e-con-full e-flex e-con e-child\" data-id=\"61104593\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8de7107 elementor-widget elementor-widget-text-editor\" data-id=\"8de7107\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Sickness Benefits Insurance, or\u00a0<em>Krankentagegeldversicherung<\/em>, provides financial protection against loss of income due to illness or injury.<\/p><p>While occupational disability insurance (<em>Berufsunf\u00e4higkeitsversicherung<\/em>\u00a0\u2013 BU) constitutes the most existential form of income protection, it will only replace one\u2019s income when you lose your capacity to work at least 50% for at least six months.<\/p><p>Less existential but more probable is the chance of losing your capacity to work for a period less than six months. In that case, public health insurance (GKV) covers roughly 75% of an employee\u2019s income. This 20-25% 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.<\/p><p>While this insurance is recommended for employees alongside a\u00a0<em>Berufsunf\u00e4higkeitsversicherung<\/em>\u00a0(or another alternative that covers the risk of loss of income),\u00a0<strong>the\u00a0<em>Krankentagegeldversicherung<\/em>\u00a0is particularly important for self-employed individuals and freelancers who usually do not benefit from the 75% coverage by their public health insurance fund (<em>Krankenkasse<\/em>). Their income is basically reduced to zero from day one. This is where the\u00a0<em>Krankentagegeldversicherung<\/em>\u00a0and, in case of longer disability, later the\u00a0<em>Berufsunf\u00e4higkeitsversicherung<\/em>\u00a0kick in.<\/strong><\/p><p><strong>Eligibility depends on your personal situation and health records.<\/strong><\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1046\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"7\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1046\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Functional Disability Insurance (Grundf\u00e4higkeitenversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1046\" class=\"elementor-element elementor-element-69584291 e-con-full e-flex e-con e-child\" data-id=\"69584291\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-34dc4780 elementor-widget elementor-widget-text-editor\" data-id=\"34dc4780\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In cases where the traditional\u00a0<em>Berufsunf\u00e4higkeitsversicherung<\/em>\u00a0(occupational disability insurance or BU) may be inaccessible because of medical reasons or prohibitively expensive, functional disability insurance can offer a practical solution.<\/p><p>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.<\/p><p>All in all, the loss of these abilities will often result in a partial or complete loss of one\u2019s ability to work.\u00a0<strong>In this sense, the\u00a0<em>Grundf\u00e4higkeitenversicherung<\/em>\u00a0is 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<\/strong>.<\/p><p>The case for the\u00a0<em>Grundf\u00e4higkeitenversicherung<\/em>\u00a0as 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\u2019s 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\u00a0<em>Grundf\u00e4higkeitenversicherung<\/em>\u00a0will cover the added medical and practical costs that come with the condition (wheelchair, car and home modifications, elevator, new home office, etc.).<\/p><p><strong>Example<\/strong>: Jenny (27) is still suffering from Long Covid. She almost completely lost her sense of taste. She\u2019s also fatigued and can only work part time. Her\u00a0<em>Berufsunf\u00e4higkeitsversicherung<\/em>\u00a0cannot be activated as Jenny\u2019s ability to work hasn\u2019t decreased by more than 50%. Fortunately, Jenny\u2019s parents had taken out a complementary\u00a0<em>Grundf\u00e4higkeitenversicherung<\/em>\u00a0when she was a child. Jenny receives 1400 euros every month for her loss of taste until she\u2019s 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.<\/p><p><strong>Eligibility depends on your personal situation and health records. Max\u00a0guides you through the functional disability insurance application process so that you thoroughly understand what you\u2019re getting and so that application mistakes (the most common reason for insurance claim denials) are avoided entirely.<\/strong><\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1047\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"8\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1047\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Legal Expenses Insurance (Rechtsschutzversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1047\" class=\"elementor-element elementor-element-6b463e2 e-con-full e-flex e-con e-child\" data-id=\"6b463e2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0259b26 elementor-widget elementor-widget-video\" data-id=\"0259b26\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/shorts\\\/-FJx7UReHmg&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5752bc1 elementor-widget elementor-widget-text-editor\" data-id=\"5752bc1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p><p>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.<\/p><p><strong>Example<\/strong>: According to German legal protection insurer KS \/ Auxilia, a sum in dispute of \u201cmerely\u201d 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.<\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong> to make sure your entire insurance portfolio actually suits your needs and wishes<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1048\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"9\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1048\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Life Insurance (Risikolebensversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1048\" class=\"elementor-element elementor-element-26058f85 e-con-full e-flex e-con e-child\" data-id=\"26058f85\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f73df00 elementor-widget elementor-widget-text-editor\" data-id=\"4f73df00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p><p>What\u2019s 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.<\/p><p><strong>Example<\/strong>: Karla (25) is an only child. Her dad passed away when she was a child. Her mother inherited the family villa from Karla\u2019s father. Karla\u2019s mother\u2019s assets and possessions reach a total worth of one million euros. If Karla\u2019s 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\u2019s mother takes out life insurance for 100,000 euros to protect her daughter from financial ruin in case she died unexpectedly.<\/p><p><strong>Eligibility depends on your personal situation and health records. Max guides you through the life insurance application process so that you thoroughly understand what you\u2019re getting and so that application mistakes (the most common reason for insurance claim denials) are avoided entirely.<\/strong><\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-1049\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"10\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-1049\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Accident Insurance (Unfallversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-1049\" class=\"elementor-element elementor-element-6196e450 e-con-full e-flex e-con e-child\" data-id=\"6196e450\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49986b5 elementor-widget elementor-widget-heading\" data-id=\"49986b5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Watch this video in your preferred language:<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e5711fb elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"3e5711fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=aqDBeJhy_us&#038;list=PLZapWCg6Zm9h5_tfmaVlbOiE6OXht6woE&#038;index=10%20\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddec\ud83c\udde7 \u2014 English<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=528fQJZ6Drg&#038;list=PLZapWCg6Zm9iKZXqVwZHjXehIlmnR8zbJ&#038;index=8\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\udde9\ud83c\uddea \u2014 German<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=n8z-aRkRhuk&#038;list=PLZapWCg6Zm9hsqTjzflC7wfXG-UWzsUTP&#038;index=9\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddeb\ud83c\uddf7 \u2014 French<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddf3\ud83c\uddf1 \u2014 Dutch<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=AFAcbe_n64U&#038;list=PLZapWCg6Zm9gbVYQqW_ng9gdB_ilE4doT&#038;index=10\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddea\ud83c\uddf8 \u2014 Spanish<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1343b9d0 elementor-widget elementor-widget-text-editor\" data-id=\"1343b9d0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A generally underestimated insurance that arguably should feature in everyone\u2019s portfolio, especially if you drive, ski, dive or travel a lot or engage in other higher-risk activities.<\/p><p>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.<\/p><p><strong>Example<\/strong>: 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.<\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong> to make sure your entire insurance portfolio actually suits your needs and wishes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10410\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"11\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10410\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Dread Disease Insurance (Schwere-Krankheiten-Versicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10410\" class=\"elementor-element elementor-element-391d5cb e-con-full e-flex e-con e-child\" data-id=\"391d5cb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1946de40 elementor-widget elementor-widget-text-editor\" data-id=\"1946de40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>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).<\/p><p><strong>Apart from being particularly important for people who cannot get a\u00a0<em>Berufsunf\u00e4higkeitsversicherung<\/em>\u00a0for 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.<\/strong><\/p><p>Six months is a long time, especially if you are self-employed or own a business. 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.<\/p><p>What\u2019s 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.<\/p><p><strong>Example<\/strong>: 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 her\u00a0<i>Krankenkasse<\/i>. 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\u00a0<em>Berufsunf\u00e4higkeitsversicherung<\/em>\u00a0never kicked in. Thanks to the dread disease insurance, Janine can continue her dream of becoming a renowned nature photographer.<\/p><p><strong>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\u2019re getting and so that application mistakes (the most common reason for insurance claim denials) are avoided entirely.<\/strong><\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10411\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"12\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10411\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Multi-Rente <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10411\" class=\"elementor-element elementor-element-7570e83a e-con-full e-flex e-con e-child\" data-id=\"7570e83a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-20bbab1a elementor-widget elementor-widget-text-editor\" data-id=\"20bbab1a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>While taking out a\u00a0<em>Berufsunf\u00e4higkeitsversicherung<\/em>\u00a0(BU) should be the be-all and end-all of each and everyone\u2019s financial planning strategy, this insurance has one big shortcoming: it will not pay past age 67.<\/strong>\u00a0For most people, that\u2019s exactly the age where their income will drop drastically (unless you\u2019re very well prepared \u2013 see pension insurance).<\/p><p>So imagine something happened at age 37 and you were forced to survive 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.\u00a0<b>That\u2019s where Multi-Rente can offer a solution.<\/b><\/p><p>Multi-Rente is an insurance product that pays you a monthly allowance\u00a0<strong>for<\/strong>\u00a0<strong>life<\/strong>\u00a0(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.<\/p><p><strong>Example<\/strong>: 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. Since Jason\u2019s amputation also caused an occupational disability (<i>Berufsunf\u00e4higkeit<\/i>), Jason\u2019s loss of income is compensated by BOTH his\u00a0<i>Berufsunf\u00e4higkeitsversicherung<\/i>\u00a0(BU) and his Multi-Rente until age 67, after which BU payments stop and the Multi-Rente continues to pay out a monthly pension for as long as Jason lives.<\/p><p><strong>Eligibility depends on your personal situation and health records. Max guides you through the Multi-Rente application process so that you thoroughly understand what you\u2019re getting and so that application mistakes (the most common reason for insurance claim denials) are avoided entirely.<\/strong><\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10412\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"13\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10412\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Private Long-Term Care Insurance (Private Pflegezusatzversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10412\" class=\"elementor-element elementor-element-7b317738 e-con-full e-flex e-con e-child\" data-id=\"7b317738\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e374d52 elementor-widget elementor-widget-text-editor\" data-id=\"1e374d52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Long-Term Care Insurance, or\u00a0<em>Pflegezusatzversicherung<\/em>\u00a0is often overlooked despite its critical importance.\u00a0<strong>While statutory long-term care insurance (<em>gesetzliche<\/em>\u00a0<em>Pflegepflichtversicherung<\/em>) provides some level of coverage for long-term care services, it\u2019s 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 (!).<\/strong><\/p><p>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\u2019s 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.<\/p><p><strong>Example<\/strong>: After an ALS diagnosis 10 years ago, Julian (60) reaches\u00a0<em>Pflegegrad<\/em>\u00a0(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 (<em>Pflegepflichtversicherung<\/em>) only covers 1262 euros (2024). The financial gap to bridge thus amounts to an incredible 27,960 euros per year.<\/p><p><strong>Eligibility depends on your personal situation and health records.<\/strong><\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10413\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"14\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10413\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Cancer Insurance (Krebsversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10413\" class=\"elementor-element elementor-element-5523e4d e-con-full e-flex e-con e-child\" data-id=\"5523e4d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-33475c3e elementor-widget elementor-widget-text-editor\" data-id=\"33475c3e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cancer Insurance, or Krebsversicherung, serves as a complement to Berufsunf\u00e4higkeitsversicherung (Occupational Disability Insurance), especially for people who cannot get Dread Disease Insurance.<\/p><p>Cancer insurance offers essential financial protection in the event of a cancer diagnosis. While Berufsunf\u00e4higkeitsversicherung 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.<\/p><p>Importantly, in the case of a cancer diagnosis, Berufsunf\u00e4higkeitsversicherung 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.<\/p><p>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.<\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"https:\/\/www.max-for-sure.de\/contact\/\">Contact Max<\/a>\u00a0<\/strong>to make sure your entire insurance portfolio actually suits your needs and wishes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10414\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"15\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10414\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Travel Health Insurance (Auslandsreisekrankenversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10414\" class=\"elementor-element elementor-element-430ae9c9 e-con-full e-flex e-con e-child\" data-id=\"430ae9c9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-42118f3c elementor-widget elementor-widget-video\" data-id=\"42118f3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=5nBMB6v9J28&amp;list=PLZapWCg6Zm9h5_tfmaVlbOiE6OXht6woE&amp;index=3 &quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10be66ed elementor-widget elementor-widget-text-editor\" data-id=\"10be66ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Travel health insurance is a definite must-have for travels outside the EU and for trips at sea or to remote locations in general<\/strong>. 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.<\/p><p>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\u2019s cover limits. Best to consult Max to get the coverage that suits your specific needs.<\/p><p><strong>Example<\/strong>: Livia (28) is hospitalised in Myanmar and diagnosed with dengue fever. After two weeks, she\u2019s 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\u2019s treatment totalling over 30,000\u20ac. After Livia has been stabilised, the insurance offers her the option of being brought back to Myanmar to continue her trip.<\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"https:\/\/www.max-for-sure.de\/contact\/\">Contact Max <\/a><\/strong>\u00a0on travel health insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10415\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"16\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10415\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Car Insurance (Kfz-Versicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10415\" class=\"elementor-element elementor-element-42c87979 e-con-full e-flex e-con e-child\" data-id=\"42c87979\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-140643be elementor-widget elementor-widget-text-editor\" data-id=\"140643be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Car insurance is mandatory for all vehicle owners in Germany. Expats often face challenges when it comes understanding differences in the options for so-called Kaskoversicherungen, useful add-ons or getting their damage-free years recognised in Germany.<\/p><p>Click <a href=\"https:\/\/youtu.be\/YyKGDLOugbc?si=4MPDxYQ9JkU8kekV\" target=\"_blank\" rel=\"noopener\">here<\/a> to know more about a very important building block in your German car insurance.<\/p><p><a class=\"modal-trigger\" title=\"Contact\" href=\"https:\/\/www.max-for-sure.de\/contact\/\"><strong>Contact Max<\/strong><\/a>\u00a0 to get help sorting your car insurance in Germany.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10416\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"17\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10416\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Dental Supplementary Insurance (Zahnzusatzversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10416\" class=\"elementor-element elementor-element-3db3925d e-con-full e-flex e-con e-child\" data-id=\"3db3925d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-35382863 elementor-widget elementor-widget-video\" data-id=\"35382863\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/youtube.com\\\/shorts\\\/D7bjjOpCtX8?feature=share&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-603ef740 elementor-widget elementor-widget-heading\" data-id=\"603ef740\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Watch this video in your preferred language:<\/h6>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5fa91b46 elementor-icon-list--layout-inline elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5fa91b46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=dFlFa0T0gl8&#038;list=PLZapWCg6Zm9iKZXqVwZHjXehIlmnR8zbJ&#038;index=4\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\udde9\ud83c\uddea \u2014 German<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=-mAGrybhn3A&#038;list=PLZapWCg6Zm9hsqTjzflC7wfXG-UWzsUTP&#038;index=5\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddeb\ud83c\uddf7 \u2014 French<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=HwattH3lAXY&#038;list=PLZapWCg6Zm9j8_pHXmEPIsjE_QZD_7l5T&#038;index=8\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddf3\ud83c\uddf1 \u2014 Dutch<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.youtube.com\/watch?v=BrqNL79tXYc&#038;list=PLZapWCg6Zm9gbVYQqW_ng9gdB_ilE4doT&#038;index=8\" target=\"_blank\" rel=\"noopener\">\n\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">\ud83c\uddea\ud83c\uddf8 \u2014 Spanish<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-181f2c2e elementor-widget elementor-widget-text-editor\" data-id=\"181f2c2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Probably Germany\u2019s most hyped insurance, not entirely unjustified either. Public health insurance (GKV) has been systematically reducing their dental coverage. What\u2019s 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 hundreds or even thousands of euros.<\/p><p>Orthodontics have also been taken out completely of the GKV\u2019s 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.<\/p><p>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.<\/p><p>Since getting this type of insurance is rendered basically impossible once treatments have been recommended or commenced,\u00a0<strong>the importance of getting this insurance while your mouth and teeth are in good health cannot be emphasised enough<\/strong>. What\u2019s 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.<\/p><p><strong>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.<\/strong><\/p><p><strong>Example<\/strong>: The placement of a ceramic bridge costs 1500 euros. According to the German\u00a0<em>Regelversorgung<\/em>\u00a0system, the GKV pays 600 euros. Depending on the policy details, the\u00a0<em>Zahnzusatzversicherung<\/em>\u00a0will cover up to 900 euros.<\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"https:\/\/www.max-for-sure.de\/contact\/\">Contact Max<\/a>\u00a0<\/strong>to make sure your entire insurance portfolio actually suits your needs and wishes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10417\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"18\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10417\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Outpatient Supplementary Insurance (ambulante Zusatzversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10417\" class=\"elementor-element elementor-element-1add6da1 e-con-full e-flex e-con e-child\" data-id=\"1add6da1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1940c4ec elementor-widget elementor-widget-text-editor\" data-id=\"1940c4ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>For people insured via the public health insurance (GKV) system who wish to upgrade their coverage to near-<a href=\"\/private-health-insurance-pkv\">PKV (private health insurance)<\/a> level, the ambulante Zusatzversicherung, next to the Zahnzusatzversicherung, are clearly the most effective insurances for this very purpose.<\/p><p>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.<\/p><p><strong>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.<\/strong><\/p><p>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.<\/p><p>What\u2019s more, given the broad range of preventive medical examinations (Vorsorgeuntersuchungen) which are covered by this insurance,\u00a0<strong>this insurance can definitely be regarded as an incredibly useful and effective investment in one\u2019s health.<\/strong><\/p><p>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.<\/p><p><strong>Eligibility depends on your personal situation and health records.<\/strong><\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10418\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"19\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10418\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Inpatient Supplementary Insurance (station\u00e4re Zusatzversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10418\" class=\"elementor-element elementor-element-26d2b38b e-con-full e-flex e-con e-child\" data-id=\"26d2b38b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e57f853 elementor-widget elementor-widget-text-editor\" data-id=\"3e57f853\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Let\u2019s 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\u2019s 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).<\/p><p><strong>Inpatient supplementary insurance allows you to determine yourself how you want to be hospitalised. Private one-bed room? No problem. Free choice of private doctors and specialists? No problem. Very expensive treatment? No problem.<\/strong><\/p><p>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.<\/p><p><b>Maybe most importantly, premium tariffs include the possibility to include treatments and specialists far exceeding the so-called GO\u00c4, a remuneration scheme 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.<\/b><\/p><p>As with all other health-related insurances, you can only take out this insurance while your health condition is and has been \u2018good\u2019 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\u00a0<em>max for sure<\/em>\u00a0to check your eligibility.<\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"\/get-in-touch\/\">Get In Touch<\/a><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10419\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"20\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10419\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Homeowners Insurance (Wohngeb\u00e4udeversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10419\" class=\"elementor-element elementor-element-5afe1b3e e-con-full e-flex e-con e-child\" data-id=\"5afe1b3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38338e7e elementor-widget elementor-widget-text-editor\" data-id=\"38338e7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Homeowners insurance covers damages to residential buildings caused by fire, storms, or other covered perils, ensuring protection for homeowners against property-related risks.\u00a0<strong>It is essential for homeowners to safeguard their investment and property assets.<\/strong><\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"https:\/\/www.max-for-sure.de\/contact\/\">Contact Max <\/a>\u00a0<\/strong>on homeowners insurance.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-10420\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"21\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-10420\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><div class=\"e-n-accordion-item-title-text\"> Pet Owner's Liability Insurance (Tierhalterhaftpflichtversicherung) <\/div><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><i aria-hidden=\"true\" class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t<span class='e-closed'><i aria-hidden=\"true\" class=\"fas fa-plus\"><\/i><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-10420\" class=\"elementor-element elementor-element-6ecb9e53 e-con-full e-flex e-con e-child\" data-id=\"6ecb9e53\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38e54b8 elementor-widget elementor-widget-text-editor\" data-id=\"38e54b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Mandatory for dogs and horses in many German federal states, such as Berlin, pet owner\u2019s 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.<\/p><p><strong><a class=\"modal-trigger\" title=\"Contact\" href=\"https:\/\/www.max-for-sure.de\/contact\/\">Contact Max<\/a><\/strong>\u00a0to make sure your entire insurance portfolio actually suits your needs and wishes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Trust me, it\u2019s a jungle\u2026 Straight to insurances https:\/\/www.youtube.com\/shorts\/hiz6DBL_sjg \ud83e\udde0 Complex eligibility rules that vary by income, visa type, job status, or age \ud83c\udfe2 Over 500 active insurance companies in Germany \ud83d\udcc2 More than 80 types of personal and business insurance \ud83e\uddf7 Thousands of individual tariffs and add-ons \ud83d\udcc4 Each policy is defined by 20\u2013100+ [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-1527","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.max-for-sure.de\/es\/wp-json\/wp\/v2\/pages\/1527","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.max-for-sure.de\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.max-for-sure.de\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.max-for-sure.de\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.max-for-sure.de\/es\/wp-json\/wp\/v2\/comments?post=1527"}],"version-history":[{"count":4,"href":"https:\/\/www.max-for-sure.de\/es\/wp-json\/wp\/v2\/pages\/1527\/revisions"}],"predecessor-version":[{"id":2545,"href":"https:\/\/www.max-for-sure.de\/es\/wp-json\/wp\/v2\/pages\/1527\/revisions\/2545"}],"wp:attachment":[{"href":"https:\/\/www.max-for-sure.de\/es\/wp-json\/wp\/v2\/media?parent=1527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}