{"id":4728,"date":"2023-02-13T15:46:17","date_gmt":"2023-02-13T15:46:17","guid":{"rendered":"https:\/\/dsofksdfo.com\/?p=4728"},"modified":"2023-04-09T22:43:36","modified_gmt":"2023-04-09T22:43:36","slug":"which-insurances-are-important","status":"publish","type":"post","link":"https:\/\/dsofksdfo.com\/which-insurances-are-important.html","title":{"rendered":"Which insurances are important?"},"content":{"rendered":"

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With all the insurance products on the market and all the dangers to which our health, our safety and our assets are exposed, how is an ordinary mortal supposed to keep track of which insurance one really needs?? Put simply, if you've never heard of a particular insurance policy, you probably don't need it!<\/p>\n

In this article, we provide you with information about which insurances are actually useful or even indispensable. To give you a quick overview of which insurances are important for you, we have divided this blog post into five categories: Insurance for<\/p>\n

Because working singles need different insurances than families, while for retirees quite a few insurances expire or are unnecessary, which seem quite reasonable for married employees.<\/p>\n

Of course, depending on lifestyle, purchases or profession, there are other necessary insurances as well. For example, lawyers now need cyber insurance, dog owners need dog liability insurance, homeowners need fire insurance, and drivers need car insurance. But in this article we want to show, as basic and general as possible, which insurances are important for each of us at different stages of life!<\/p>\n

These are the insurances that every citizen needs<\/h2>\n

Every person in Germany needs private liability insurance. Leaving aside the compulsory insurances required by law, private liability insurance is, without any ifs and buts and completely independent of social and financial status or profession, an indispensable policy that provides a lot in case of emergency, but costs very little.<\/p>\n

Every employee pays into the pension insurance. It also insures against unemployment and pays for statutory accident and long-term care insurance. For compulsory health insurance, he can choose between a statutory fund and private health insurance, depending on his income. These five "branches" (unemployment insurance, statutory health insurance, long-term care insurance, the German pension insurance and the statutory accident insurance) are summarized as statutory social insurance.<\/p>\n

Self-employed persons and entrepreneurs must also take out health insurance. Accident and nursing care insurance as well as insurance against old age and unemployment are not mandatory, but definitely advisable! Depending on the profession, payment into state pension funds may be obligatory, as well as specific professional liability insurance.<\/p>\n

Very useful for all working people, whether employee, self-employed or employer, is an additional private pension plan. Because the state pension is barely enough – and is often the first pot from which politicians redistribute funds. Private pension insurance can be unit-linked or based on the British model, which provides a lump-sum payment at the start of the pension instead of variable annual annuities. Whether you also take out the Riester pension as a partially sensible basic pension in a classic or unit-linked form, or as an investment savings plan, is up to you. The same applies to the Rurup pension, which can make sense depending on income. A company pension plan is usually useful, especially in conjunction with a private health insurance policy.<\/p>\n

Important insurances for singles<\/h2>\n

As a single person, two insurances are indispensable: private liability insurance and occupational disability insurance (BU). Homeowner's insurance costs little and provides a lot – it is one of the most sensible insurances that everyone needs.<\/p>\n

Legal expenses insurance can come in handy. Here, however, you should compare the rates carefully before taking out the policy and check whether potential legal cases that could affect you are covered or have to be included in the insurance for expensive additional premiums. A private health insurance can be a sensible alternative to the statutory health insurance from a certain income and age. Private accident insurance or supplementary health insurance, such as a supplementary dental plan, can optimally enrich the statutory protection. Life insurance is mostly superfluous.<\/p>\n

Insurance that often makes sense:<\/p>\n