{"id":11306,"date":"2022-10-25T07:18:28","date_gmt":"2022-10-25T06:18:28","guid":{"rendered":"https:\/\/www.lemonade.com\/de\/blog\/?p=11306"},"modified":"2022-11-27T15:51:59","modified_gmt":"2022-11-27T14:51:59","slug":"insurances-in-germany","status":"publish","type":"post","link":"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/","title":{"rendered":"Which insurance policies do expats need in Germany?"},"content":{"rendered":"\n<p>By now, you\u2019re probably well aware that Germans love protecting themselves against all kinds of possible (and even impossible) scenarios. According to <em>Statista<\/em>, Germans&nbsp; hold an average of six&nbsp; insurance policies, and spend approximately 1,500 Euro a year on insurance (this might not sound like much to you, but trust us, given how much things cost in Germany, it\u2019s quite a lot.)<\/p>\n\n\n\n<p>The question is, now that you\u2019ve made Germany your home should you give into German peer pressure and get yourself a bunch of insurance policies? Where would you even begin?<\/p>\n\n\n\n<p>In order to answer these questions (and more!), we\u2019ll take you on a journey deep into the heart of German insurance. Don&#8217;t worry, it\u2019s less complicated (and more fun!) than it might sound.<\/p>\n\n\n\n<p><strong>Here&#8217;s what we&#8217;ll cover:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><a href=\"#mandatory-insurances-germany\">Which insurances are mandatory in Germany?<\/a><\/li><li><a href=\"#german-insurances-good-for-expats\">Which insurance policies should I get as an expat in Germany?<\/a><\/li><li><a href=\"#german-insurances-you-can-skip\">When should you think twice about insurance?<\/a><\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"mandatory-insurances-germany\">Which insurances are mandatory in Germany?<\/h3>\n\n\n\n<p>Some insurance policies are much more than a mere \u2018nice to have\u2019 and are actually required by German law. Let\u2019s get right to them!<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Health insurance.<\/h4>\n\n\n\n<p>Getting health insurance in Germany is mandatory. However, in contrast to the U.S., German health care is quite affordable to the broad public. More on that in a bit.<\/p>\n\n\n\n<p>So, what does it cover? Generally, German health insurance reimburses you for things like medical treatment costs and required meds (much like U.S. health-insurance).&nbsp;<\/p>\n\n\n\n<p>Health insurance in Germany can be divided into public health insurance (gesetzliche Krankenversicherung, or GKV) or private health insurance (private Krankenversicherung, or PKV). So, what are the differences between these coverages?<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Public health insurance. <\/strong>The German public medical system is pretty good, and in most cases, there is no real need to get private insurance.&nbsp;Each month, a percentage of your monthly salary is automatically deducted to cover your insurance premium (currently 14.6%). This means your premium depends on your income, rather than your age or health. Plus, public health insurance providers cannot reject insuring you based on your past medical history.&nbsp;<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Private health insurance. <\/strong>First things first: Not everyone is eligible for private health insurance in Germany: Only if your salary exceeds 64,350 Euros a year (5,362.50 Euros a month), you can get yourself private insurance. However, if you\u2019re self-employed, freelancing, a practicing physician, or a civil servant, this rule doesn\u2019t apply to you, and you can simply go ahead and get private health insurance anyways, even if your income is below the minimum.<\/li><\/ul>\n\n\n\n<p>In contrast to public health insurance, the premium for your private health insurance <em>will <\/em>depend on your age and overall health.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Car liability insurance (&#8220;Kfz-Haftpflichtversicherung&#8221;).<\/h4>\n\n\n\n<p>Anyone who\u2019s driving a car in Germany (or any other motorized vehicle), needs insurance for it &#8211; just like in the U.S.. Without getting a basic car liability insurance policy, you can\u2019t even register your car in Germany.&nbsp;<\/p>\n\n\n\n<p>But what does it cover?&nbsp;<\/p>\n\n\n\n<p>Your car liability insurance offers coverage in case of bodily injury or property damage <em>to other people<\/em> (or their stuff) as a result of your actions. So, if you unintentionally cause an accident that injures others (which we hope will never happen!), your insurance will help you cover their medical bills and car repair.&nbsp;<\/p>\n\n\n\n<p>Btw, in case you want to protect yourself against damages to your own car, you\u2019ll need additional insurance &#8211; you can either go with partial comprehensive coverage (Teilkasko) or full comprehensive coverage (Vollkasko).<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-1024x682.png\" alt=\"\" class=\"wp-image-11307\" srcset=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-1024x682.png 1024w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-300x200.png 300w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-768x512.png 768w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-1536x1024.png 1536w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-2048x1365.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>Professional liability insurance (&#8220;Berufshaftpflichtversicherung&#8221;).&nbsp;<\/strong><\/h4>\n\n\n\n<p>This kind of insurance is only mandatory if you work in an \u2018advisory role\u2019, like a doctor, lawyer, or architect.&nbsp;<\/p>\n\n\n\n<p>As its name already implies, it falls under the category of <em>liability insurances<\/em> &#8211; which means it\u2019s all about other people and their things (in contrast to your own stuff). More explicitly, professional liability covers damages you cause to others while you\u2019re engaged in some kind of&nbsp; self-employed professional work.&nbsp;<\/p>\n\n\n\n<p>To make things more tangible, imagine the following scenario: You work as a tax advisor and notice that one of the tax assessments you\u2019re reviewing is incorrect. Unfortunately, you notify relevant parties too late. Shoot. Your miss leads to your client not getting back the money she deserves. Luckily, your professional liability insurance will cover the financial damage you\u2019ve caused her.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Dog liability insurance.<\/h4>\n\n\n\n<p>Obviously, this insurance policy is only relevant for you if you actually\u2026 own a dog (duh!). Dog liability coverage protects you in case your fur baby causes injuries or damages to others. When it comes to certain federal states, such as Berlin, Hamburg, and Lower Saxony, this insurance is mandatory.&nbsp; For other federal states, such as Bremen, Hessen and Nordrhein Westfalen, you only need to get dog liability if your dog is considered a \u2018dangerous breed\u2019, such as Rottweilers or Bull Terriers.&nbsp;<\/p>\n\n\n\n<p>By the way, if you\u2019re the proud owner of a different kind of (small) pet and they cause damage to other people\u2019s belongings, this&nbsp; would be covered by your personal liability insurance (which we\u2019ll get to in 2 seconds!).<\/p>\n\n\n\n<p>Now that we\u2019ve reviewed the (long) list of mandatory insurances, let\u2019s get to the core of our post: The smart insurance policies to have in Germany.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"german-insurances-good-for-expats\">Which insurance policies should I get as an expat in Germany?<\/h3>\n\n\n\n<p>To answer this question, let\u2019s quickly review the basics of how&nbsp; insurance serves you in the first place. In a nutshell: It\u2019s here to help you out if things go <em>really<\/em> south. Basically, events that you won\u2019t be able to pay for out of your own pocket. Insurance protects you from losing everything from one moment to the next.<\/p>\n\n\n\n<p>Keep in mind: Insurance only makes sense for situations that can potentially lead to your complete financial ruin. If you can easily cover costs yourself, there\u2019s no reason to get insured in the first place. For example: If you cause an accident that seriously injures several people, you could be liable for <em>millions<\/em> in damages. However, if you drop your MacBook, it will likely cost around 1,000 Euros to replace the whole thing.&nbsp;<\/p>\n\n\n\n<p>You won\u2019t be able to pay for scenario number one out of your own pocket, whereas number two might leave you temporarily broke, but realistically, it isn\u2019t completely unaffordable for the average person.&nbsp;<\/p>\n\n\n\n<p>But enough about the theory. Here it is, an overview of the most important insurance policies you shouldn&#8217;t skip while living in Germany:<\/p>\n\n\n\n<p><strong>#1 <a href=\"https:\/\/www.lemonade.com\/de\/blog\/liability-insurance-germany\/\">Personal liability insurance<\/a> (\u201cPrivathaftpflichtversicherung\u201d)<\/strong><\/p>\n\n\n\n<p>Contrary to American liability coverage, which is part of your renters insurance policy, German liability is its own standalone, and rather comprehensive insurance policy. German liability coverage starts at several million Euros in coverage.<\/p>\n\n\n\n<p>Here\u2019s a quick summary of what personal liability is all about: This insurance covers you if you accidentally injure others or cause damage to their stuff. Protection ranges from minor mishaps, like if you spill red wine on your bestie&#8217;s sofa, to more dramatic cases, like if you\u2019re responsible for chronic third-party injuries. Btw, your liability insurance also applies to your rental apartment, so if you accidentally cause any damages to your landlord\u2019s shiny parquet floor, this is covered as well.&nbsp;<\/p>\n\n\n\n<p><strong>Good to know:<\/strong> Damages &#8211; especially if other people get seriously injured due to your carelessness &#8211; can run into the millions. To protect you from these kinds of scenarios, private liability insurance seems quite worthwhile. In addition, your personal liability will defend you in court if necessary &#8211; against unjustified claims against you by a third party.<\/p>\n\n\n\n<p>And the best thing, apart from comprehensive protection? It\u2019s pretty cheap. Lemonade liability policies start at just 2 Euros a month and can be canceled any time.&nbsp;<\/p>\n\n\n\n<p>Despite its clear benefits and affordable premiums, according to the <em>Statista Global Consumer Survey<\/em> of 2020, the number of uninsured people is still quite high. In their sample of 2,000 18-64 year olds, 34% didn\u2019t have personal liability insurance.&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-1-1024x683.png\" alt=\"\" class=\"wp-image-11308\" srcset=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-1-1024x683.png 1024w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-1-300x200.png 300w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-1-768x512.png 768w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-1-1536x1024.png 1536w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-1-2048x1366.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>#<a href=\"https:\/\/www.lemonade.com\/de\/blog\/contents-insurance-germany\/\">Contents insurance<\/a> (\u201cHausratversicherung\u201d)<\/strong><\/p>\n\n\n\n<p>Contents insurance, or household contents insurance, is pretty similar to renters insurance (excluding liability, which we\u2019ve just mentioned).&nbsp;<\/p>\n\n\n\n<p>It covers your belongings against damages caused by: fire, smoke, explosion, burglary, robbery, vandalism, windstorm, hail, collisions by vehicles or aircraft to your home, and water damage caused by an unintended leakage of tap water, like burst pipes or appliance leaks, or leaking waterbeds and aquariums.<\/p>\n\n\n\n<p>As you can see, contents insurance covers a whole range of possible (unfortunate) events. Imagine the following scenario: A water leak destroys all of your stuff, including your expensive vintage record player and Bose headphones. Shit happens, but you\u2019ll be relieved if you\u2019ve planned ahead and gotten yourself some contents insurance.<\/p>\n\n\n\n<p><strong>Small disclaimer: <\/strong>Getting this insurance is only worthwhile if you actually own stuff. If you\u2019re a devoted minimalist and your possessions include a few select items such as your toaster and four folding chairs, it might not be worthwhile to get coverage. Even if worse comes to worst, you could still manage to replace your belongings yourself.&nbsp;<\/p>\n\n\n\n<p>To sum it up, your consideration should be: Can I easily replace all of my belongings with my own money? If your answer is no, like for the majority of us, then it\u2019s time to get yourself some contents insurance. (Maybe try out Lemonade\u2019s content policies?)<\/p>\n\n\n\n<div id=\"post-cta-block_635781ec40217\" class=\"post-cta wp-block-button lmnd-cta\" >\n    <a class=\"wp-block-button__link tc\" href=\"https:\/\/www.lemonade.com\/onboarding\/1\" target=\"\" data-track=\"blog.cta.clicked\" data-position=\"body\">\n               \n        Get your contents &#038; liability quote now    <\/a>\n<\/div>\n<style>\n    .lmnd-cta {\n        margin: auto !important;\n        padding-top: 10px!important;\n        padding-bottom: 10px;\n        text-align: center;\n    }\n     .lmnd-cta.outline-style a{\n        display: flex !important;\n        gap: 8px !important;\n        border: 1px solid #FF0083 !important;\n        border-radius: 8px;\n        background-color: #FFF7FB !important;\n        color: #FF0083 !important;\n        width: max-content;\n        margin: 0 auto !important;\n        box-shadow: none !important;\n        align-items: center;\n        font-size: 14px;\n        font-weight: 700;\n    }\n    @media (max-width: 450px) {\n        .content .lmnd-cta.outline-style a{\n            min-width: 100%;\n            justify-content: center;\n        }\n    }\n    .content .outline-style a:hover{\n        background-color: #FFEBF5 !important;\n    }\n<\/style>\n\n\n\n<p><\/p>\n\n\n\n<p><strong>#Homeowners insurance (\u201cWohngeb\u00e4udeversicherung\u201d)<\/strong><\/p>\n\n\n\n<p>Skip ahead, if you do not currently own a house or apartment.<\/p>\n\n\n\n<p>In general, homeowners insurance covers similar scenarios as contents insurance, namely damages due to fire, water etc. However, while contents insurance covers your stuff, homeowners insurance covers damages to the building, or built-in structures such as your heater, or the parquet floor.&nbsp;<\/p>\n\n\n\n<p>Imagine a leaky washing machine ruins your wooden floors and the bottom of your doors &#8211; leading to some pretty extensive damage. Luckily, homeowners insurance can help you out.<\/p>\n\n\n\n<p><strong>One more thing:<\/strong> We recommend additional protection against natural hazards, such as floods, landslides, or lightning which in most cases you can easily add to your existing contents or homeowners policy.&nbsp;<\/p>\n\n\n\n<p><strong>#4 Travel health insurance abroad (\u201cAuslandsreisekrankenversicherung\u201d)<\/strong><\/p>\n\n\n\n<p>Is the expression \u2018wanderlust\u2019 a frequent staple of your vocabulary? Does your new European residence&nbsp; give you the perfect excuse to discover all of the neighboring countries? If you answered \u201cyes\u201d, you should probably think about getting additional health insurance for when you\u2019re traveling outside of Germany. These policies are very affordable &#8211; according to the German finance magazine, <em>Finanztip<\/em>, you can buy them for less than 10 Euros a year.&nbsp;<\/p>\n\n\n\n<p>If you get sick abroad or need medical care, this insurance will cover the costs. However, since the pandemic\u2019s not completely behind us yet, you should make sure Covid coverage while abroad is included as well.<\/p>\n\n\n\n<p><strong>#5 Disability insurance (\u201cBerufsunf\u00e4higkeitsversicherung\u201d)<\/strong><\/p>\n\n\n\n<p>Essentially, this insurance covers you for cases in which, for health reasons, you can no longer work. In these circumstances, the German welfare state will step in, but in most cases their monthly payments (also called &#8220;Erwerbsminderungsrente&#8221;) aren\u2019t enough to make ends meet. So, disability insurance can serve as an additional security.<\/p>\n\n\n\n<p>However, if you\u2019re considering this coverage, be sure to read up on the subject &#8211; for example, if you belong to the group of civil servants, disability insurance may not be the right choice for you.&nbsp;<\/p>\n\n\n\n<p><strong>#6 Term life insurance (\u201cRisikolebensversicherung\u201d)<\/strong><\/p>\n\n\n\n<p>This insurance gives your family (or others you\u2019ve chosen) financial support , in the event of your passing.&nbsp;<\/p>\n\n\n\n<p>Life insurance makes sense if you are your family\u2019s main breadwinner and they would significantly struggle making ends meet without your financial support. For example, if your better half is left behind, and still has to pay off a big mortgage, as well as support your kids, the insurance would help provide for them.<\/p>\n\n\n\n<p>If you are single and no one is financially dependent on you, getting life insurance might not make much sense for you.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-2.png\" alt=\"\" class=\"wp-image-11309\" srcset=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-2.png 800w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-2-300x200.png 300w, https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2022\/10\/image-2-768x513.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"german-insurances-you-can-skip\">When should you think twice about insurance?<\/h3>\n\n\n\n<p>As mentioned above, you can definitely skip any insurance for damages you could easily pay for yourself.&nbsp;<\/p>\n\n\n\n<p>According to the German consumer protection association, <em>Verbraucherzentrale<\/em>, electronics insurance (&#8220;Ger\u00e4teversicherung&#8221;), for your <a href=\"https:\/\/www.lemonade.com\/de\/blog\/laptop-insurance-germany\/\">laptop<\/a>, eyeglasses, and cell phone, are usually considered unnecessary. Like we\u2019ve mentioned\u00a0 above, even if it\u2019s really tough if your phone becomes unusable, it usually doesn\u2019t mean complete financial misery for you.<\/p>\n\n\n\n<p>In addition, certain damage to your electronic devices might already be covered under your existing contents insurance, or by your manufacturer\u2019s warranty or guarantee. However, this depends on each individual case and separate electronics insurance might make sense if you\u2019ve got a very expensive and\/or new device.&nbsp;<\/p>\n\n\n\n<p>Another insurance that often pops up in the context of &#8216;useless insurances&#8217; is glass breakage insurance. Certain glass elements, like your TV table, may already be covered under your content&#8217;s policy, as long as damage to it was caused by an insured event. German non-profit consumer organization, <em>Stiftung Warentest,<\/em> also comments on the subject of glass breakage: &#8220;Only if your home has many glass surfaces, for instance, or if you have a&nbsp; winter garden, maybe then you should consider separate glass breakage protection.&#8221;&nbsp;<\/p>\n\n\n\n<p>Last but not least, you can go ahead and skip luggage insurance (&#8220;Reisegep\u00e4ckversicherung&#8221;) and passenger accident insurance (&#8220;Insassenunfallversicherung\u2019&#8221;. The latter\u2019s coverage largely overlaps with your car insurance.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Before we go<\/h3>\n\n\n\n<p>We hope our overview has been helpful in the pursuit of the perfect German insurance coverage. However, we would like to emphasize that you shouldn\u2019t&nbsp; just rely on the &#8216;one-size-fits-all&#8217; principle. Instead, it&#8217;s worth exploring which insurances fit your individual (expat) needs and lifestyle.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Together, we\u2019ll take a look at the different kinds of German insurance policies, and decide which ones you should get and which you can easily skip.<\/p>\n","protected":false},"author":20,"featured_media":10291,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48],"tags":[],"class_list":{"0":"post-11306","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-english","8":"post-hentry"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Which insurance policies do expats need in Germany? \u2022 Lemonade<\/title>\n<meta name=\"description\" content=\"Together, we\u2019ll take a look at the different kinds of German insurance policies, and decide which ones you should get and which you can easily skip.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Which insurance policies do expats need in Germany? \u2022 Lemonade\" \/>\n<meta property=\"og:description\" content=\"Together, we\u2019ll take a look at the different kinds of German insurance policies, and decide which ones you should get and which you can easily skip.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/\" \/>\n<meta property=\"og:site_name\" content=\"Lemonade Blog \u2014 Storys \u00fcber das Leben, Tech &amp; Versicherung\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Lemonade\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-10-25T06:18:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-11-27T14:51:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2021\/08\/welche-versicherungen-OG.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"628\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Team Lemonade\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:title\" content=\"Which insurance policies do expats need in Germany? \u2022 Lemonade\" \/>\n<meta name=\"twitter:description\" content=\"Together, we\u2019ll take a look at the different kinds of German insurance policies, and decide which ones you should get and which you can easily skip.\" \/>\n<meta name=\"twitter:image\" content=\"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2021\/08\/welche-versicherungen-OG.jpeg\" \/>\n<meta name=\"twitter:creator\" content=\"@lemonade_inc\" \/>\n<meta name=\"twitter:site\" content=\"@lemonade_inc\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Team Lemonade\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/\",\"url\":\"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/\",\"name\":\"Which insurance policies do expats need in Germany? \u2022 Lemonade\",\"isPartOf\":{\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/#website\"},\"datePublished\":\"2022-10-25T06:18:28+00:00\",\"dateModified\":\"2022-11-27T14:51:59+00:00\",\"author\":{\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/3cfc8336d83e02464ba45881ceab5188\"},\"description\":\"Together, we\u2019ll take a look at the different kinds of German insurance policies, and decide which ones you should get and which you can easily skip.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.lemonade.com\/de\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Which insurance policies do expats need in Germany?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/#website\",\"url\":\"https:\/\/www.lemonade.com\/de\/blog\/\",\"name\":\"Lemonade Blog \u2014 Storys \u00fcber das Leben, Tech &amp; Versicherung\",\"description\":\"Die neuesten Geschichten vom Lemonade Team\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.lemonade.com\/de\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/3cfc8336d83e02464ba45881ceab5188\",\"name\":\"Team Lemonade\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/2995d100e1996e173c9b32ad993be79adde359df21d6ede672ebf92449ac5369?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/2995d100e1996e173c9b32ad993be79adde359df21d6ede672ebf92449ac5369?s=96&d=mm&r=g\",\"caption\":\"Team Lemonade\"},\"sameAs\":[\"https:\/\/twitter.com\/lemonade_inc\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Which insurance policies do expats need in Germany? \u2022 Lemonade","description":"Together, we\u2019ll take a look at the different kinds of German insurance policies, and decide which ones you should get and which you can easily skip.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Which insurance policies do expats need in Germany? \u2022 Lemonade","og_description":"Together, we\u2019ll take a look at the different kinds of German insurance policies, and decide which ones you should get and which you can easily skip.","og_url":"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/","og_site_name":"Lemonade Blog \u2014 Storys \u00fcber das Leben, Tech &amp; Versicherung","article_publisher":"https:\/\/www.facebook.com\/Lemonade\/","article_published_time":"2022-10-25T06:18:28+00:00","article_modified_time":"2022-11-27T14:51:59+00:00","og_image":[{"width":1200,"height":628,"url":"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2021\/08\/welche-versicherungen-OG.jpeg","type":"image\/jpeg"}],"author":"Team Lemonade","twitter_card":"summary_large_image","twitter_title":"Which insurance policies do expats need in Germany? \u2022 Lemonade","twitter_description":"Together, we\u2019ll take a look at the different kinds of German insurance policies, and decide which ones you should get and which you can easily skip.","twitter_image":"https:\/\/www.lemonade.com\/de\/blog\/wp-content\/uploads\/2021\/08\/welche-versicherungen-OG.jpeg","twitter_creator":"@lemonade_inc","twitter_site":"@lemonade_inc","twitter_misc":{"Written by":"Team Lemonade","Est. reading time":"11 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/","url":"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/","name":"Which insurance policies do expats need in Germany? \u2022 Lemonade","isPartOf":{"@id":"https:\/\/www.lemonade.com\/de\/blog\/#website"},"datePublished":"2022-10-25T06:18:28+00:00","dateModified":"2022-11-27T14:51:59+00:00","author":{"@id":"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/3cfc8336d83e02464ba45881ceab5188"},"description":"Together, we\u2019ll take a look at the different kinds of German insurance policies, and decide which ones you should get and which you can easily skip.","breadcrumb":{"@id":"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.lemonade.com\/de\/blog\/insurances-in-germany\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.lemonade.com\/de\/blog\/"},{"@type":"ListItem","position":2,"name":"Which insurance policies do expats need in Germany?"}]},{"@type":"WebSite","@id":"https:\/\/www.lemonade.com\/de\/blog\/#website","url":"https:\/\/www.lemonade.com\/de\/blog\/","name":"Lemonade Blog \u2014 Storys \u00fcber das Leben, Tech &amp; Versicherung","description":"Die neuesten Geschichten vom Lemonade Team","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.lemonade.com\/de\/blog\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/3cfc8336d83e02464ba45881ceab5188","name":"Team Lemonade","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.lemonade.com\/de\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/2995d100e1996e173c9b32ad993be79adde359df21d6ede672ebf92449ac5369?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2995d100e1996e173c9b32ad993be79adde359df21d6ede672ebf92449ac5369?s=96&d=mm&r=g","caption":"Team Lemonade"},"sameAs":["https:\/\/twitter.com\/lemonade_inc"]}]}},"_links":{"self":[{"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/posts\/11306","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/comments?post=11306"}],"version-history":[{"count":19,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/posts\/11306\/revisions"}],"predecessor-version":[{"id":11417,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/posts\/11306\/revisions\/11417"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/media\/10291"}],"wp:attachment":[{"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/media?parent=11306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/categories?post=11306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lemonade.com\/de\/blog\/wp-json\/wp\/v2\/tags?post=11306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}