Insurance in old age: what do I need?
That has to be:
1. Health insurance
Every person in Germany must have health insurance, private or legal. With the pension you should check from your cash register, whether you can change into the health insurance of pensioners (KVdR). A big advantage of this insurance: No additional cash contributions are payable on additional income such as rent, private pension or stock profits.
2. Long-term care insurance
People who are covered by statutory health insurance will automatically become members of the care fund. Unlike employees, however, pensioners contribute their own contributions in full. Also, those who are childless and born after 1940 pay 0.25 percent. And who has a private health insurance, must also complete a private nursing care insurance. The contributions are based on health status and age.
3. Motor vehicle liability
That's why you can not get around, in addition, drivers are from 65 also with significantly higher contributions asked to checkout, even if they drove accident-free for decades. Already before the pension you should therefore compare offers, deal with your insurance, possibly change. Above all, far-flung commuters should ask for a cheaper rate on retirement, because many insurers reduce the contribution when you drive less. Even if only one spouse is behind the wheel, that lowers the costs.
Many providers reduce the car contribution by up to ten percent if you drive less after retirement
You need that:
1. Personal liability
It is not duty, but everyone should have one! After all, we are liable in unlimited amounts for all damages that we inflict on people or their property. The coverage should therefore be at least five million euros, better still ten million euros, a financial ruin will in all likelihood not threaten. With retirement you should check whether the whole family is also insured - and update your insurance. Those who now live alone, can switch to the single tariff, some companies offer low rates for seniors - compare before new contract, so worth it.
2. Pet owner liability
Small pets like rabbits or cats are covered by the private liability insurance. However, if you call your own dog or horse, animal husband liability is importantWhatever the animals do - you are liable for the damage with your entire fortune! In some federal states, a dog liability is now required by law, namely in Berlin, Hamburg, Lower Saxony, Saxony-Anhalt, Schleswig-Holstein and Thuringia. In all other states this liability applies only to so-called? Dangerous? Dog breeds. No regulations make so far only Mecklenburg-Vorpommern. Important to know: If a dog injures a family member, the dog liability insurance must pay no compensation for pain, because family members have legally the same status as the dog owner.
3. Residential building insurance
It should be a must for real estate owners. If a storm covers the roof, the house burns down after a lightning strike or puts a broken line cellar and ground floor under water, this insurance protection compensates the financial consequences. she can adapted to personal needs ? in a city like Hamburg is worthwhile z. B. the inclusion of graffiti shops. The leakage of aquarium or waterbed can be expensive.
That makes sense:
1. Supplementary care insurance
In 2015, 2.86 million people were in need of care in Germany, and the number is rising. If you become a nursing case, you can be pretty sure that the benefits of the statutory long-term care insurance will not be enough, to cover the cost of home or home care. Experts advise: It would be best for everyone from the age of 50 to take out private supplementary care insurance. Let us advise you which of the three options (nursing care, nursing care, nursing care insurance) is suitable for you.
TIP: If you want to live at home as long as possible in your old age, you should take out supplementary insurance with a high level of outpatient care. In the event of a sudden onset of nursing care insurance can no longer be taken out. Better, then, to take care!
2. Dental supplement
In any case rewarding! Because the statutory health insurance pay for dentures only a small cost subsidy. Who wants to have a high quality denture or dentures, must pay heavily. The supplementary insurance covers, depending on the tariff, a part or a considerable part of the dental bill.
3rd trip abroad
In general, you are protected by your health insurance in other EU countries and in countries with which Germany has a social security agreement. However, the statutory health insurance does not always cover all treatment costs here.For travel outside the EU, to America, for example, the statutory health insurance provides no protection. And does not pay for an expensive return transport to the home country, if necessary. An international health insurance can save you enormously high costs, it is not even expensive: Travelers most often come out with less than ten euros a year. Even for those who are privately insured, the conclusion of a foreign policy makes sense, if the fund does not pay for the return transport according to the contract.
4. Hospital supplement
It is recommended for anyone who wishes to stay in a single or double room during a stay in the clinic, as well as a private medical treatment.
5. Household goods
It intervenes: theft, water damage, fire, storm and hail. And is advisable if you are expensive furnished - works of art, Jewelry or antiques usually have to be insured extra. Anyone who moves into a smaller apartment when they are older and previously gives away or sells valuable items should inform the insurer. The contribution will be recalculated. IMPORTANT: You only need glass insurance if you have large, expensive windows.
6. accident
Not only for sporty seniors a meaningful protection - most accidents finally happen during housework. Existing contracts should therefore continue with retirement. But some policies end at a certain age. There are even providers who no longer insure or reassure people aged 65 or 70. But the conclusion of a senior accident insurance is up to 75, with some providers even beyond possible. The policy should include assistance in the household and in the care, so-called ? Assistance benefits ?. Not all providers automatically cover the costs - some only organize assistance. You should therefore read your contract carefully.
7. Dread Disease Insurance
Just yet carefree, suddenly the diagnosis of cancer, stroke, heart attack, kidney failure ... A serious illness can also financially throw off the track, because the health insurance almost never takes all medical options. You can afford more with this policy. The service is paid as a single sum, even if you can continue working despite the illness. How you use the capital is up to you - whether for better treatments, handicapped-accessible conversions or arrangements for partners and family. Ideally, this protection has already been completed in younger years - a contract is possible until the age of 69, after which no insurer will take you.
What about...
1st death grant
This policy is expensive (high closing costs) and brings little (low interest rates!). Better is a fund savings plan to save money for the end. For many funds, you can pay from 25 euros per month.
2. Private pension insurance
Makes sense, if from inheritance or house sale a larger amount is available. He can be paid into a private pension scheme with the aim of receiving a monthly pension immediately (immediate pension) or in a few years (deferred pension). This pension is paid for life - and only slightly taxed. Private pension insurance can be completed until old age.
