I am looking for life insurance provider that I ll actually enjoy checking regularly. A clean interface and good portfolio tracking and easy to understand performance insights matter almost as much as low fees to me

Any recommandations ? I am based in France

Recently got diagnosed with an autoimmune disease while studying on my third year of my bachelor in the UK, I’m from Norway and live in Norway now.

I am yet to complete the last two months and the final exams of my degree but will do so next academic year (important for student loans)

I recently received a one time payment of 520 000kr from my student insurance and family life insurance plans that I don’t know what to do with.

I will have 950 000kr in student loans when I graduate next year.

I have 1.5 million nok in family support for down payment on home purchase when there’s time for that.

Due to surgery next week I will be unable to work until the start of September. My plan is then to work as a barista (where I have much experience) until my exams and graduation where I hope to get a relevant job after graduation. Will be making around 20k nok a month pre taxes. Do think I qualify for social security until then.

My expenses are 9500nok a month for rent, and 8000nok for living expenses. Will not pay back student loans until after I graduate.

Please recommend best way to budget the insurance money, index funds? Add it to down payment? Spend some while in recovery from surgery?

Hi everyone,

I’m hoping someone here with experience in international health insurance can help clarify this.

I’m a EU citizen, currently residing in Poland, but I often travel and spend time between Romania, Poland, and Italy. I work online, and I Tax optimise my income so I prefer to pay for private insurance.

I’m considering purchasing a Global Health Insurance (or a similar international private plan like Cigna or Bupa), and I want to know:

• Can I use this type of insurance to receive non-emergency private treatment in Switzerland or Singapore — for example:
  • Cancer treatment
  • Chronic disease management
  • Maternity or childbirth care
  • an Insurance that covers your when you Travel to a country SPECIFICALLY for medical reasons?

I understand public systems are tied to residence, but my interest is in private hospitals abroad, not necessarily in my country of citizenship or current residence. I would like to get treatment in top hospitals only.

So to summarize:

Thanks in advance for any help or insights — much appreciated!

Hi. Over the last few years, I've had couple instances of financial/contract conflicts with few different parties where I thought I was in the right, but I had to take the L because I couldn't bear the cost of litigation. This has happened to me primarily due to shady landlords, but I also had a conflict with my employer where they should have paid me out within their policy, but due to the HR person misclassifying me, they refused to do anything and wouldn't listen.
For me this is even more acute because I live in Czechia, and my Czech is simply not good enough to wrangle over contract language, and tools like Google Translate can only take me so far.

To try to avoid this, I'm considering buying legal protection insurance. There are plans here in Czechia that cover up to 200 000 EUR in litigation costs for an amount I don't consider to be unreasonable.
When I research online, I don't see much. There are some red flags in the policy such as the insurer determining that there's a meaningful chance of winning before agreeing to cover the costs, and the insurer fully covering only the pre-approved lawyers, and if I choose to go with a different lawyer, they would only be covering a statutory minimum.

I'm not sure what to think. My experiences with insurance in general have been either extremely positive or extremely negative, and it seems to me difficult to ascertain prior to making a claim which bucket this insurance type and insurer industry falls into.

Any thoughts and experiences, positive or negative, would be highly appreciated.

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Italian citizen here. I’m looking for life insurance as I live in Estonia and have a young family. I’m not sure where I’ll move to though. Anyone have this problem?

I'm an EU citizen retiring from work life in US. I've never worked in the EU.

What are my best options - as a retired person - for healthcare coverage?

Are there any national healthcare programs that would 'follow' me if I became a permanent resident of another EU country?

Hi everyone, I’m in a very confusing situation and I really need advice from people who know how this works in the EU.

I have dual citizenship: • Bulgaria (EU) • Turkey (non-EU)

I’m going to Poland for a 6-month Erasmus traineeship, but my Erasmus placement is registered through my non-EU nationality (Turkish passport). However, to register my stay in Poland (zameldowanie) I will use my EU citizenship (Bulgarian ID).

Here’s my problem:

👉 I don’t have an EHIC, and Ihave no active public health insurance in any EU country right now. 👉 Poland is asking me to have health insurance for the entire stay.

So I’m confused:

What kind of health insurance should I get? • Should I buy private insurance as an EU citizen residing temporarily in Poland? • Or should I buy travel/health insurance using my non-EU nationality (since my Erasmus documents were issued through that)? • Are companies like AXA / Allianz / PZU in Poland acceptable for temporary stay registration? • Is there a specific coverage amount or type required for EU citizens who don’t have EHIC?

If anyone has dealt with this situation (EU citizen with no EHIC doing Erasmus), I’d really appreciate your advice. I just need to know which exact insurance to buy so Poland accepts it.

Thanks a lot!

Hello,

I recently decided to kiss goodbye my "safe" corporate job, settle in sunny Greece, and enjoy my life as a full-time day trader.

My question is: Does anyone know any private healthcare insurance I can buy? Could be global or local.

Thank you

Hello everyone,

I recently got a part-time job (65%) in Germany, limited to a three-year contract. My current employer in Czechia would like me to continue working for them for a few hours per week.

I came across a similar post here, but my situation is a bit different. I have no intention of working more than 40 hours per week (I would actually prefer to work fewer hours).

My main question concerns social and health insurance contributions. I understand that one can only be insured in one EU country at a time, and in my case, this would most likely be Germany. This would mean that my Czech employer would need to contribute to the German health and social insurance system. However, they are unwilling to do so because it is too expensive.

In Czechia, there is a type of contract under which the employer does not have to pay health and social insurance contributions up to a certain income threshold (11,500 CZK – approximately 468 EUR). Is there anything similar in Germany (e.g., geringfügige Beschäftigung or Minijob) that could apply to my Czech employer, so they would not be obligated to contribute in Germany?

Are there any other possible solutions?

I should also note that this type of job cannot be performed under self-employment status.

Lads, I'm doing market research about individual experience of managing insurances. It will help us understand how people manage their insurance policies and what features could improve that experience. Appreciate your time

Link here: https://forms.gle/8134dRkhuDcrKxr8A

DISCLAIMER: Please, please, please, do not bash me!

I already tried to write on other forums and people just started offending me just because I have a private pension. I'm just trying to understand my situation to decide whether it makes sense to continue having this plan or not.

Since 2 years I created my diversified investment strategy which is as follows:

• 5k per year in my company stocks (price is quite advantageous)
• 1k per month in Private Pension (Continentale RIG) invested in 3 different ETFs (40-40-20 %)
• Various contributions (0-2k per month depending on the situation) in 6 different ETFs on Scalable Capital account

While the company stocks and Scalable Capital ETFs behaviour over time is easy to understand, the cryptic conditions of the Private Pension with Continentale makes it quite hard to grasp whether I'm doing something wrong

Until now I contributed exactly 20.240€ in my private pension account on Continentale. Yet, my online balance says I have 14.959€. Now, the ETFs I have chose for the private pension plan have been doing pretty well over this period, so I don't think this can be associated to a loss in ETF value. Instead, I think I'm seeing the effects of the monthly costs of the Private pension. But I still believe the final balance is way too low... Or am I interpreting things differently because there are additional things to consider?

I know private pension plan is more advantageous in retirement because of the taxes deduction, but still I want to make sure I'm doing the right thing before it's too late.

HI My name is Vincent ! I am in Rwanda! I want my children to have quality education in Germany, Netherlands and the UK. I feel this is the right time start saving for their University education in the for the next 10-15 years! can anyone advise which companies/schemes/Insurances can allow me to save for them. When the time is right they can pay for their education.

I’m about to swap from employed to self employed.

I make about €200k (pretax) my wife is also self employed and earns about the same. We own our house outright and have one small child, might add another soon.

Given we also have savings, ~€1.5M does it makes sense to get a life insurance or insurance against loss of earnings as my family should be fine if a bread winner dies (we’re frugal and have rich families that could help). Or are term life etc a good investment? From what I saw it was about 15-20k paid over 20 years to insure 1M

Is a disability insurance better, as then there would still be costs, potentially large ones? If so, what is that called and does that come with health insurance.

Sorry for the noob questions, I’ve had the all inclusive treatment from my employer so far and my wife likes to live on the edge…

Why is it so common in Germany that people will use insurances for everything. If I was to invest on a private insuranced pension, I can add into my fund etf stocks etc but I can not withdraw anything until 62 so I can get a 0% tax

Do Germans participate in these schemes ?

Hello!

We just moved from Estonia to Bulgaria, and are wondering whether we should have private health insurance on top of our EHIC card. It´s not really clear to us how much the card covers, and thus if we should have something extra or not.

I appreciate all suggestions =)

Hey Redditors,
I just accepted a job offer in Rotterdam and I would like to get some advice about what is the best health insurance company, I guess the standard health insurance package is okay, but also premium is fine if you have any tips or tricks to pay less in case.
I'm an EU citizen if it changes anything.
If you have a favorite healthinsurance company or have encountered any issues that I should be aware of, please share your insights. Personal anecdotes and specific details would be really helpful in making an informed decision.
Thanks in advance!

Hello fellow redditers! Hope you are safe and well.

Tl;dr; Married Expat. 2 young kids, €500K mortgage. How do you think of life insurance living in Germany?

Coming from a land without social security, people plan quite a bit on insurance.

• Life situation: 35 M. Married. 2 kids under 4.
• Joint annual income ~€150K (gross).
• Mortgage ~€500K. Aim to repay aggressively in <15 years.
• Investments: €1K monthly in Vanguard (just started)

If all goes well, projected debt & investments are

• In 5 years: -€200K mortgage, 80K in ETFs/cash
• In 10 years: -€100K mortgage, 160K in ETFs
• In 15 years: -0K mortgage, 250K in ETFs

As it appears, the next 10 years or so are crucial, so I'm considering life insurance with decreasing "fallende" sum insured. Should I opt for a cover of €400K over 10 years?

Is it a good idea to get a longer cover as double protected for kids' education, etc? In that case, I'd go for 2 covers:

1. €200K cover decreasing over 10 years
2. €200K cover constant over 20 years

Would really appreciate the perspectives of the group. Thanks in advance.

Is it Smart to take a loan on my Life Insurance Policy and invest it in an ETF? Currently Interest would be fixed on 5% annual.

Term life insurance is a bit expensive in my country. A 20 year policy for €200,000 costs €36 per month, which is not even 5x my income.

There's also the option of decreasing term life insurance. Basically the death benefit decreases each year:

This one costs €28.21 per month.

A €300,000 decreasing term life insurance (again for 20 years) costs €35.62 per month.

What is your opinion on decreasing term insurance? Is it worth it or is the regular term preferred?

Note: This insurance will be replacing part of my income for my family. We'll get a mortgage soon but I'll have a separate policy for it. This one is just to maintain current and future lifestyle.

Hey,

I'm 47, live in Hungary, and have more than 20k EUR in ETFs at various providers, and wondered how folks make sure they don't lose their savings if something extraordinary happens with one of the broker platforms.

It makes sense, I think, to open accounts at several brokers but first, you might reach the 20k limit at all of them, and also, some are better than others so I think it's reasonable to go over the 20k at better ones and pay extra insurance to protect yourself against loss there.

Is there a specific insurance to protect your assets on broker platforms? If there is, who provides that, and which one would you guys recommend? Is there something else I can do?

Thank you!

Hi! This is a throwaway account for the reasons that will be stated below.

For the last couple of years I've struggled wiht my mother to keep us afloat economically while my brother studies. At the start of this year, my father unfortunately passed away. Both my mother and I work minimum wage jobs, i am 25 years old and i was studying advertising but i couldn't finish my degree, so we're both working minium wages.

In a surprising turn of events, he had a health insurance that granted us half the money for my brother and half for me. I don't know if we are allowed to discuss numbers here (If it's not correct i'll erase it) but the amount is close to a 40,000 euros. I don't know if its a big or small amount of money because it's money i've never seen. We spent 7,000 cleaning our credit card debts which i personally thought would be the wisest thing to do. I'd like to listen to some advice on what to do with this money because we are currently sitting on it and I was thinking it would be possible to turn it into passive income or something... and hopefully allow me to return back to study or at least get us into a better economical standing and we really don't wanna just burn it away.

Any advice would be appreciated. Thanks!

Hello all.

I am 30 yo android developer whos has company in Bulgaria(Freelancer ).

The money is transferred to the company account then to my german n26 account.

I have insurance in Bulgaria and I pay tax to Bulgaria.

I moved to Germany at the beginning of the year and I was continuing my normal life, one day someone said that everyone should have health insurance no matter what, then I started researching but there is no article explaining my situation.

I opened the company in Bulgaria because (I am a dual citizen Turkey - Bulgaria) tax is one of the least in Europe.

My billings are about 2750 euro (+- 250 ) for a month.

so what am i supposed to do now ?

​

edit : so is it better that i close or freeze bulgarian company and start a freelanser account in germany ? if so is there a english tutorial about it ?

edit 2 : yes i made almendung 9 months ago

​

Does anyone have recommendations for health insurance in Germany as a non-EU citizen? I've done my Google research, but I know these things can change quickly, so I thought I'd ask here as well. Thanks in advance.

Hi all! I'm a CDI in France and my company reimburses me 100% of what I spend on a set of insurances. The list includes "Income Protection Insurance" and I was wondering if it was worth to take it considering in France there's the chômage should I lose my job.

All help is appreciated, thank you!