Private health insurance in old age: How to cushion premium increases today
Mitigating private health insurance premiums in retirement: premium relief, tariff changes according to Section 204 of the German Insurance Contract Act (VVG), and pension supplements. What works and for whom it makes sense.
Pension factor, costs, fund selection: How to recognize a good ETF pension insurance
The amount of your future pension is determined by the pension factor, while the effective costs affect your final capital. I'll show you where to find these two key figures in the offer, what role Section 163 of the German Insurance Contract Act (VVG) plays, and under what circumstances the insurance wrapper is actually advantageous from a tax perspective.
Natural hazard insurance makes sense: the gap in building insurance
Storm damage is covered, but damage from heavy rain is not. This article explains when this additional coverage for natural hazards is worthwhile, which contract clauses are relevant, and what impact the planned 2026 regulations will have.
Care costs in 2026: This is how high the out-of-pocket expenses will be in nursing homes
A place in a care home will cost an average of over €5,000 per month in 2026, of which you will have to pay €3,245 yourself. Benefits from long-term care insurance will remain frozen until 2028, so the gap will continue to widen. This article explains how the costs are calculated, who is liable in an emergency, and what kind of insurance is appropriate and when.
Public or private health insurance: When does switching really pay off for you?
Switching to private health insurance is almost always calculated at the wrong time: on a single date when the premium appears lowest. This calculation considers the entire working life: eligibility criteria for 2026, the special increase scheduled for 2027, family life, retirement, and the hurdle to returning to private insurance after age 55. The result is a framework you can use to assess your own situation.
What does a used house actually cost? A realistic cost overview.
How to properly prepare for buying land: an overview of the process, costs and risks
Buying land – well thought out – from costs to value development
After moving in: These are the costs homeowners will face.
After moving in: These are the expenses homeowners should expect.
