oetg
American expat in Germany
Forum posts
23
About me
American
Registration: 18 May 2021
Activity
Ausbildung - new law passed last march of 2020 by Dee.fferent
Hello I am really concerned about the new law passed last march of 2020. I am 25 years old (will be 26 this October)and I'm currently studying to get a B2 Zertifikat in preparation for applying for an ausbildung. The new rules implied that in ...
I know a couple of friends who switched from student to apprenticeship status within the last two years, maybe they were affected by this law. One is 34 and I think the other is also over 25, but their conditions may not help you. They are doing ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
The private German insurer replied is not able to give me the student rate under 250 Euros including USA cover. Also my wife received her public health insurance cared, and probably the rest of family members with receive cards shortly. I wonder ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Once again I appreciate Beppi's opinion and I hope that my application for a public health insurer goes through. My situation is that I don't mind paying for private insurance if I think its initial costs are reasonable and increases of ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
In order for someone else's application as a German student for private health cover to be plausible, the persons would probably normally have to be under 30 years of age at time of entry to be considered. I would say 28 years of age would ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Regarding Tom's comments, all our family members have lived here at our registered home for 6 years, with three renewed residence periods of 2 years, and my daughter already has accepted status as a German student applicant for indefinite period ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Thanks for further comments from Beppi. I have made some special pleading to obtain private insurance with unlimited time coverage including the USA. It is very unusual for a student to obtain this kind of rate when 58 years old, but how else does ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
In order to refine the "math" of how private health insurance quotations work. --As far as I can tell, the " aging" factor amounts to 1.7% per annum (as I have already mentioned). In other words, the same policy this year costs ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Thanks for your comments. This question has really stressed me out. And the point about paying for the insurance in retirement is well taken. How does it work in either private or public health insurance plans? When one "retires" so to ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
I think I can explain why a private German insurer can sustain a 1 % annual increase. Basically, the pool of insured is never stagnant, there must be at least 2% of the pool each year who drop off due to death or cancellation. Also, there must be a ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Here is an interesting article about private health insurance increases over the last years. Actually, there was a 5.3% increase last year due to the pandemic following previous increases of 2.6% and 1.7%. Roughly that averages more to 3.2% than 4%. ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
The discussion about how it is possible for private health insurances to charge only 1% annual increases is an interesting one. Beppi has stated that since health costs increase 4% per annum, it is impossible for health insurers not to charge less ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
This is all probably very true. As far as public or private health insurance, this is private decision. I am not really convinced that public health insurance is the best for everyone and I am seriously considering private health insurance for my ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
As far as what Tom is saying, again this German insurance agent is trying to say that rates do not tend to increase due to age, but he may be contradicting himself when he also says that a 5% increase can occur after 3 years due to health condition. ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
These are all good points that Beppi makes. Market value of property is of course relative to the time one sells. I actually should have said that the compulsory prices one pays is about half the expected market value one could expect to sell it for ... Read More
Health Insurance by oetg
Hello, I am an expat living in Germany as an unemployed student with my son aged 16. I and my wife are over 55 years of age and so are ineligible for public insurance since we both come from countries outside the EU. I am interested in obtaining ...
Thanks for the recent comments of Beppi. I would have to remark that increases in health care costs in the last few years alone, are not the same thing as increases in health insurance premiums. I assume that health insurers look at the long-term ... Read More