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If you do not take out compulsory insurance over a long period of time, this is not punishable, however, high additional payments plus surcharges can threaten. These depend on your individual characteristics and the missed insurance period. In case of hardship, additional payments can be collected by customs, for example by attaching accounts. You also have no insurance cover during this time, which can mean financial ruin in the event of damage.
According to the motto: "All for one." The policyholders pay a small contribution to an insurance company regularly (usually monthly). If a policyholder from this insurance suffers damage, this is paid from the premiums of all policyholders. This works because damage occurs less frequently than the contributions to be paid regularly.
If you need a visa to enter Germany, travel insurance is a mandatory requirement. Regardless of your reason for entry. Otherwise you usually do not need compulsory insurance. Nevertheless, we advise you to take out travel insurance that covers any doctor's visits to Germany.
Contact the insurance company as soon as possible after the damage, so that you can describe the sequence of events as detailed as possible. It's also best to write down how the incident happened so that you don't forget it. In the event of damage, CHECK24 is happy to help clarify the process with the insurance company.
With most tariffs, the spouse and children can be insured free of charge. In our comparison, you can simply choose the tariff option "Family", "Couple" or "Children" and you will only be shown the corresponding tariffs.
Notice / disclaimer:
CHECK24 Versicherungsservice GmbH assumes no liability for the demand check. Our recommendations for use are based on researching various sources, including, among others, Stiftung Warentest, Finanztip, WirtschaftsWoche and the consumer center. Please contact the one specified in the respective comparison Contact address for binding advice.