*Fastest Way To PUBLIC Health Insurance: perfinex.de/goto/public-health-insurance/ *Fastest Way To PRIVATE Health Insurance: perfinex.de/goto/private-health-insurance/
Hi, your videos are really underrated. Great job! One response I saw in another youtubers video was: private insurance will get very expensive as you age and will eat into your pension. Would be great if you can cover that aspect (to what extent is that true) and is there a workaround. I am in a public insurance now with tk but want to switch to private with my family.
Thank you for your nice words. Axel talked about the "private health insurance is super expensive in retirement age" myth in this video: ua-cam.com/video/YKhOMOLphAo/v-deo.html At the end of the day it comes down to your financial situation before retirement & in retirement. If you plan on being poor in retirement (e.g. by relying on public pension), private health insurance will be expensive in retirement. If you plan on maintaining your financial situation you have right now also in retirement, private heath insurance might even be cheaper than public health insurance.
Thank you very much. You can book a free meeting right here & we will help you find the best private health insurance for your individual situation: perfinex.de/meeting
Seems this is an old video, but maybe I will get lucky and get and answer from Axel, I would like to know where can I get a quote for private insurance with a family of 5, 2 adults and 3 kids. In the page that you shared in the pinned comment the price is only for a single person and in your videos you mentioned that the payment will have to be done for each person (personal contract).
Hi, thank you for sharing. Do you have any recommendation for private health insurance company? Do you recommend to change company from time to time to get cheaper or better contract?
The right private health insurance company depends on many different factors: Coverage you want, your age, deductible you want, etc. Feel free to book a free meeting right here and we will help you find the best private health insurance (+ health insurance plan) for your individual situation: perfinex.de/meeting
I did not understand a monthly contribution of around 250 euros is reduced 90 euros per month using Reimbursements concept. What are these reimbursements and how different are they from deductibles?
Deductible = how much you pay first before your insurance pays for invoices (can be 0€). Reimbursement = How much of the invoice the insurance pays (eg 80%). Cashback = Money you get if you don't hand in any invoices to your insurance company.
I , English,with my wife, German, are both retired but moving to Germany end of March to live near elderly relatives. Can we take Private health Insurance or Public or must we take public health insurance. Obviously we have no employer so do we have to pay 100% of the costs.
Health insurance in Germany has very strict rules. In your case it not just depends on your financial situation, it also depends on how you have been insured prior to coming to Germany.
@@PerFinEx Thanks for the reply. We currently live in Liechtenstein where all Health Insurance is Private. But when we move to Germany BOTH as Pensioners can we go either Public or Private or do we have no choice. If we go Public do we have to pay 100% (not half) as we have no employer?
It is probably best if you reach out proactively to one of the German public health insurances before coming to Germany to figure everything out. Getting into private health insurance might be next to impossible as a retired person when you have never been insured in the German healthcare system before.
Depends on the age this person got into the private health insurance and the exact plan/coverage. Certainly 10% less than with age 59 because the seniority savings go away.
@@PerFinEx thanks for the answer. Still it is so "different" that we discuss getting into PKV and no one can give any kind of estimation how much more expensive to the GKV will be when you are at the 60,70,80 year brackets. It almost feels like gambling. I am happy with GKV services and I am happy to pick PKV for their big savings that I can invest for the decades to come. None of this makes sense if I can not predict when the PKV will overshoot in costs the GKV and how much more this will be.
Why is that only positive sides are covered in these videos. I agree with the savings, But is insurance really about savings or getting a good health care ? 1. Your video focuses majorly on the reimbursement, but also you don't cover how much you get net reimbursement after taxed. 2. Private insurances are only for working employees or anyone earning more than 64000 euros approx., but Public insurance covers all dependents whereas i don't yet know how do private insurances deal with the children insurances which may later end up paying more than public. Whenever I talk insurance agencies, they don't tell the hidden flaws of private health insurance and you should be actually bringing them out in this video. So I wish you justified your video by discussing the Pros and Cons, and not only the Pros. Thank you.
Will our netto be increased if we opt for private insurance? Asking this as the employer's mandatory contribution is 7.3% towards insurance. So if my premium is lesser in private insurance compared to public insurance, will there be an increase in my netto?
Great content! But in your example, doesn't it mean that Hans will have to either pay for his yearly (twice a year) professional dental cleaning himself or lose all his reimbursements. Which takes him back to well above €92 (yea, still better than public).
Die beste private Krankenversicherung hängt von vielen Faktoren ab (Alter, gewünscht Leistung, medizinische Vorgeschichte, etc). Gerne unter perfinex.de/meeting einen kostenfreien Termin buchen und wir helfen die beste private Krankenversicherung am deutschen Markt zu finden.
It depends on the job situation of the family and the exact private health insurance plan. We work with a lot of families that are happier in the private health insurance than they have ever been in the public health insurance.
![Private or Public Health Insurance in Germany [Which One To Choose?]](http://i.ytimg.com/vi/M4WyXxSoe1I/mqdefault.jpg)
*Fastest Way To PUBLIC Health Insurance: perfinex.de/goto/public-health-insurance/
*Fastest Way To PRIVATE Health Insurance: perfinex.de/goto/private-health-insurance/
Hi, your videos are really underrated. Great job! One response I saw in another youtubers video was: private insurance will get very expensive as you age and will eat into your pension. Would be great if you can cover that aspect (to what extent is that true) and is there a workaround. I am in a public insurance now with tk but want to switch to private with my family.
Thank you for your nice words. Axel talked about the "private health insurance is super expensive in retirement age" myth in this video: ua-cam.com/video/YKhOMOLphAo/v-deo.html
At the end of the day it comes down to your financial situation before retirement & in retirement. If you plan on being poor in retirement (e.g. by relying on public pension), private health insurance will be expensive in retirement. If you plan on maintaining your financial situation you have right now also in retirement, private heath insurance might even be cheaper than public health insurance.
This video is awesome, exactly what I was looking for..thanks a lot..it's really informative..pls post more of such videos..
Thank you very much for watching!
Amazing video, kudos to you. I would like to appy to private insurance asap.
Thank you very much. You can book a free meeting right here & we will help you find the best private health insurance for your individual situation: perfinex.de/meeting
Seems this is an old video, but maybe I will get lucky and get and answer from Axel, I would like to know where can I get a quote for private insurance with a family of 5, 2 adults and 3 kids. In the page that you shared in the pinned comment the price is only for a single person and in your videos you mentioned that the payment will have to be done for each person (personal contract).
Big fan of your videos. It makes my life easier 👏
Happy to hear that!
Hi, thank you for sharing. Do you have any recommendation for private health insurance company? Do you recommend to change company from time to time to get cheaper or better contract?
The right private health insurance company depends on many different factors: Coverage you want, your age, deductible you want, etc.
Feel free to book a free meeting right here and we will help you find the best private health insurance (+ health insurance plan) for your individual situation: perfinex.de/meeting
I did not understand a monthly contribution of around 250 euros is reduced 90 euros per month using Reimbursements concept. What are these reimbursements and how different are they from deductibles?
Deductible = how much you pay first before your insurance pays for invoices (can be 0€).
Reimbursement = How much of the invoice the insurance pays (eg 80%).
Cashback = Money you get if you don't hand in any invoices to your insurance company.
I , English,with my wife, German, are both retired but moving to Germany end of March to live near elderly relatives. Can we take Private health Insurance or Public or must we take public health insurance. Obviously we have no employer so do we have to pay 100% of the costs.
Health insurance in Germany has very strict rules. In your case it not just depends on your financial situation, it also depends on how you have been insured prior to coming to Germany.
@@PerFinEx Thanks for the reply. We currently live in Liechtenstein where all Health Insurance is Private. But when we move to Germany BOTH as Pensioners can we go either Public or Private or do we have no choice. If we go Public do we have to pay 100% (not half) as we have no employer?
It is probably best if you reach out proactively to one of the German public health insurances before coming to Germany to figure everything out. Getting into private health insurance might be next to impossible as a retired person when you have never been insured in the German healthcare system before.
Thanks! I appreciate if you can make a video about private additives over public insurance.
How much on average a 60 years old person pays on pkv?
Depends on the age this person got into the private health insurance and the exact plan/coverage. Certainly 10% less than with age 59 because the seniority savings go away.
@@PerFinEx thanks for the answer. Still it is so "different" that we discuss getting into PKV and no one can give any kind of estimation how much more expensive to the GKV will be when you are at the 60,70,80 year brackets. It almost feels like gambling. I am happy with GKV services and I am happy to pick PKV for their big savings that I can invest for the decades to come. None of this makes sense if I can not predict when the PKV will overshoot in costs the GKV and how much more this will be.
Why is that only positive sides are covered in these videos. I agree with the savings, But is insurance really about savings or getting a good health care ?
1. Your video focuses majorly on the reimbursement, but also you don't cover how much you get net reimbursement after taxed.
2. Private insurances are only for working employees or anyone earning more than 64000 euros approx., but Public insurance covers all dependents whereas i don't yet know how do private insurances deal with the children insurances which may later end up paying more than public.
Whenever I talk insurance agencies, they don't tell the hidden flaws of private health insurance and you should be actually bringing them out in this video.
So I wish you justified your video by discussing the Pros and Cons, and not only the Pros.
Thank you.
Will our netto be increased if we opt for private insurance? Asking this as the employer's mandatory contribution is 7.3% towards insurance. So if my premium is lesser in private insurance compared to public insurance, will there be an increase in my netto?
Generally speaking, if your private health insurance premium is smaller than your public health insurance premium, your net income will increase.
@@PerFinEx thanks a ton.
We just created a comparison of private vs public vs travel health insurance for expats in Germany. Interested ?
Great content! But in your example, doesn't it mean that Hans will have to either pay for his yearly (twice a year) professional dental cleaning himself or lose all his reimbursements. Which takes him back to well above €92 (yea, still better than public).
As professional dental cleaning is not paid for in most public health insurances (anymore), we would have to add it to both kinds of premiums.
@@PerFinEx yea right, still cheaper but not €92, nein?
Halo bro.kanst du sagen welche ist beste private versicherung in raum stuttgart.ich bin 6 jahre in stuttgart und von anfang ich und frau sind in AOK.
Die beste private Krankenversicherung hängt von vielen Faktoren ab (Alter, gewünscht Leistung, medizinische Vorgeschichte, etc). Gerne unter perfinex.de/meeting einen kostenfreien Termin buchen und wir helfen die beste private Krankenversicherung am deutschen Markt zu finden.
Very edifying video. Is this solely for employees or self employed individuals? Or are students included for the 30 minutes meeting?
We don't exclude anyone solely by employment status. You know best if we can help you in the current stage of your life.
@@PerFinEx Thank you for the clarity.
Thanks for the explanation
Thanks for watching. 🙂
He will not be telling you about health insurance, but will be promoting his videos.
Thanks a lot for the video, Axel. Does it mean anzone can upgrade from public to Private with additives? thanks!
Anyone can upgrade his public health insurance with private additives, that's right. 👍
I got private health insurance from TK (only basic) at 253 euros
Private health insurance from TK? How does that work? TK is a public health insurance.
@@PerFinEx My bad, it's from feather
if you have family and kids, good luck with private insurance premiums
It depends on the job situation of the family and the exact private health insurance plan. We work with a lot of families that are happier in the private health insurance than they have ever been in the public health insurance.
Thank god I live in UK 🇬🇧 u guys can quibble about how much is this n that blah blah!
Thank you for the useful videos, I wonder if you can make more videos about Crypto tax and trading. thank you
Sure, we'll put it on the list.
@@PerFinEx thank you very much, so many people will benefit from that as there are huge numbers of expat investing in crypto.
@@PerFinEx and there is nothing in English about that!