Insurance tips for trainees

As much as necessary, as little as possible: Occupation starter want security - but at a low price.

With the start of training for young adults in some areas as the current all-around insurance coverage ends on the parents. A claim can quickly return to the dependence of mean parent’s house - and this despite their own insurance costs less than often assumed.

What insurance is needed? Very important is one's own private insurance. As employees, apprentices, although legally accident at work and commuting accidents, but 70 percent of all accidents happen at play. For those who complete a vocational or education, insurers offer favorable terms. How are insurance against the DEVK starting at € 3.80 a month: at a base amount of 50,000 €. In the case of total disability pays DEVK even 250,000 Euros.

Who already has their own income, should also think of the private pension plans. Even for a small fee you have the DEVK Riester pension is entitled to a lucrative government subsidies. In addition, applies: the earlier you start, the smaller the effort and the higher the yield.

It is often underestimated the risk of disability. The state security in case of a professional or disability was abolished in 2001 and replaced by a disability pension with drastic cuts. Especially young people and young professionals with even low-income retirement planning should, therefore, in the event of disability. The monthly contribution depends on the occupation and the desired disability pension.

A disability but is preceded by a first phase of a longer work. The problem is that health insurance companies pay while sick, but not in the amount of net income. This gap should close trainees’ private. For example, there's the DEVK sickness allowance (rate KT 43 / 20 €) at 18-year-olds already for € 5.20 (men) or 3.84 € (woman) in the month. From 43 Day of work pays the DEVK then 20 € per day extra. And the patients can be good use!

Sense is also a private health insurance, the gaps in coverage in terms of visual aids, dentures & Co. to close. For young people the private insurance coverage is very inexpensive. Thus an 18-year-old trainee pays for outpatient insurance rates after ET-GZ only € 6.82 a month, the same age his colleague, € 8.53. For this they receive per calendar year up to € 105 for a pair of glasses or contact lenses and up to 30 percent of the total cost of dentures - along with the cash performance as much as 90 percent of the costs reimbursed. An international travel health insurance is also included. Depending on requirements, the benefits of visual aids and dental care can even be expanded.

Since 1 January 2010 provides the DEVK can also offer a new health insurance for orthodontic treatment and laser treatment for the eye to correct visual acuity: For only € 9.90 a month trainees reduce their own share this clear.

What insurance is unnecessary? In general, young workers are insured up to the end of their teaching on the private insurance of their parents. For complete mishaps such as the damage to other property must be an apprentice that is not their own insurance. Those who still lives with his parents, needs also no contents insurance, because the facility is secured by the policy of parents. This is possibly also for apprentices, the apprentice accommodated in hostels.