Child Sick Days Guide
When your child is sick, parents need immediate clarity: Can I stay home from work? Do I receive Kinderkrankengeld? What applies in GKV vs. PKV? What happens in mixed insurance families? How can unpaid leave be financially managed? This guide explains child sick days in Germany (Kinderkrankentage 2026) for statutory health insurance (GKV), private health […]
Prior Health Insurance in Germany: Why It Matters — Especially for Expats and Skilled Professionals
If you’re moving to Germany as an expat or skilled professional and want comprehensive health insurance — whether public or private — you’ll quickly encounter one key term: prior health insurance (Vorversicherung). This is also where most people run into problems. In practice, mistakes often happen when someone previously relied only on a basic […]
Generali Health Insurance (formerly Central Krankenversicherung) Analysis
Background: Central Health Insurance and Generali The Central Krankenversicherung AG was for many years one of Germany’s largest private health insurers (PKV). It was founded in 1913 and became majority-owned by the Generali Group in 1998. In 2000, Generali merged its own health insurance business with Central, making Central a subsidiary of Generali Deutschland. In 2020, […]
Taxes in Germany: A Guide for Expats
Tax classes in Germany: a guide Choosing the right tax class in Germany is important for financial planning. Germany has six different tax classes, each designed for specific life situations and family constellations. Here is a comprehensive overview of the German tax classes and what they mean: Tax class I For: Single, divorced, widowed […]
Tax Classes in Germany: Can you save Money?
Tax classes in Germany: a guide Choosing the right tax class in Germany is important for financial planning. Germany has six different tax classes, each designed for specific life situations and family constellations. Here is a comprehensive overview of the German tax classes and what they mean: Tax class I For: Single, divorced, widowed Married […]
Product Check: Base Pension
Why the base pension makes sense for women in particular The base pension is a private pension scheme with numerous advantages, but also some clear restrictions as framework conditions. It is used exclusively for old-age provision, whereby the contributions paid in after the savings phase are paid out as a lifelong pension until the […]
30 years of Statutory Health Insurance: an Overview of the Shortage of Benefits
What has actually been happening in statutory health insurance for over 30 years? As an expat, you often have statutory health insurance right from the start in Germany. Compared to healthcare systems worldwide, the statutory healthcare system in Germany is still one of the best. So membership of the statutory health insurance system feels good […]
Real-Estate Financing: Become your Bank’s Darling
When it comes to financing a property, your banker is your most important partner. No money, no property. The financing of a property can be planned long before the purchase and the strategy can be optimized through careful planning and preparation. There are a number of steps you can take to increase your chances of […]
When does it make sense to switch to private health insurance in Germany?
Not everyone is free to choose between public and private health insurance in Germany, but if that option is open to you, it’s a question worth careful consideration. We will have a look at some situations where it might make sense for you to switch to private insurance. Do you still remember your first days […]
How to Start a Business in Germany for Expats
Introduction This guide provides a step-by-step approach to setting up a sole proprietorship (Einzelunternehmen) in Germany, specifically tailored for expats living in the country. It covers all essential aspects, from legal requirements to tax considerations. 1. Check Requirements Residence Status Before starting a business, ensure your residence status allows for self-employment. If you are […]