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Personal Insurance and Pensions

Personal Insurance and Pensions guides and articles about life in Germany.

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Pensions in Germany for Immigrants: Contribution Periods, Age, and What to Expect in Old Age How the German state pension works for immigrants: retirement age, minimum contribution period, MiniJob, Grundrente, application to the Deutsche Rentenversicherung, and the risks of moving to Germany later in life. Pensions in Germany for Migrants: How Rentenversicherung Works and What to Expect How the state pension system works in Germany: retirement age, minimum contribution period, contributions, Grundrente, applying to the German Pension Insurance (Deutsche Rentenversicherung), and planning for those who moved to Germany as adults. Personal Liability Insurance Haftpflichtversicherung in Germany: Why You Need It and How to Choose a Policy A guide to private liability insurance in Germany: what PHV covers, who needs it most, which options to check, and what to do in the event of a claim. Pet Health Insurance in Germany: How to Choose Health Insurance for Your Dog or Cat How pet health insurance works in Germany: policy types, GOT, waiting periods, deductibles, and coverage for surgery and treatment. Term Life Insurance in Germany: Who Needs Death Benefit Cover and How to Choose It Term Life Insurance in Germany: Who Needs Death Benefit Cover and How to Choose It Travel Insurance from Germany: Which Policies Does a Tourist Need Which types of travel insurance are needed for trips from Germany: trip cancellation, trip interruption, international health insurance, luggage, sports, and active holidays. Types of Insurance in Germany: Which Are Mandatory, and Which Are Worth Considering An overview of the main types of insurance in Germany for expats: health, auto, liability, dog liability, home contents, legal protection, disability, dental, travel, and life insurance. Water Leaks in Germany: Which Insurance Policies Cover Repairs and Damage to Neighbors How to handle water damage in Germany, which insurance covers your belongings, the building, and damage to neighbors, when natural hazard coverage is needed, and how a tenant can report a defect. Workers’ Compensation Insurance in Germany: What Is Covered by Gesetzliche Unfallversicherung How mandatory workers’ compensation insurance works in Germany: who is insured, what cases are covered, what to do after an injury, and how to appeal a denial.