How To Dental

How To Dental – The ultimate guide to your dental protection policy

“Back and forth, brushing your teeth isn’t hard!” – one could think. Despite years of intensive care, you sometimes cannot avoid tartar formation or caries. Tooth roots can become inflamed and treatment is inevitable. Many people don’t know that your public health insurance does not cover professional tooth cleaning and high-quality plastic fillings. Crazy, right? Without additional dental insurance, a simple root canal treatment can result in costs around 500€!

In order to avoid paying such high amounts out of your own pocket, you should definitely think about a dental insurance.

Why do I need dental protection insurance?

In recent years or decades, the statutory health insurance funds have abolished almost all services for the treatment of teeth. This means that you will be confronted with continuously rising costs at the dentist, which you now have to pay for yourself. Depending on the treatment, this can tear a considerable hole in your health insurance. A dental insurance insures you against such financial consequences.

What costs will I have if I do without dental protection?

The exact costs depend on your dentist and the type of treatment. Here you will find a list of the most common treatments. The values given here are intended as a guide.

Costs for:

Amalgam filling = 0 €
Tooth cleaning = 50 – 120 €
plastic filling (so-called composite filling) = 100 – 300 €
Ceramic crown = 400 – 700 €
Root canal treatment = 300 – 1000 €
(ceramics) = 500 – 1000 €
tooth bridge = 800 – 1500 €
Implant with ceramic crown = 2500 – 3500 €

What do I need to know if I need dental treatment?

It is important that you are insured before starting any treatment. If, on the other hand, your dentist has already recommended a specific treatment, it is always too late to cover the costs. This is because insurance companies do not pay for damages that occurred before the contract was signed. This also applies to “damage” to your teeth.

How do I submit the costs for my dental treatment?

We recommend that you ask your dentist for a “treatment and cost plan” for larger treatments. In this plan, the dentist determines which treatment he wants to carry out and at what cost. First, you submit the treatment and cost plan to the statutory health insurance. They will check the plan and usually give you their consent. Then you submit the promise of the statutory health insurance and the treatment and cost plan to the private dental supplementary insurance.

With Getsafe, it’s all very easy with the App. You send us the documents as a scan or photo; we will then inform you about the expected reimbursement amount. If you have the treatment carried out, you submit the bills to us and receive your money back.

When is my protection active?

Your insurance is valid from the next day. Example: You buy your cover on 1 February. Treatments are then covered from 2 February. This also means that treatments that were recommended or started before the insurance cover started are not covered”.

This is what the Getsafe dental protection policy can do for you

We have developed an optimal protection plan for you, which you can book modularly. You can extend or remove the Getsafe dental protection plan on a daily basis in a very flexible way and therefore do not have to buy a fixed, expensive package. Depending on your priorities you can add or remove a module – everything at a fair price.

You can get premium dental services, have your teeth treated by the dentist of your choice and no longer have to worry about costs. Sounds great? Then select your individual dental protection today.

 

Get dental insurance now!

 

Do you have any questions? Contact us. The Getsafe team will be happy to advise you. Send an email to [email protected].

Stay safe!

Let’s Talk About Money!

Let’s Talk About Money! How you can own every salary negotiation

You’re in a job interview and everything’s going great. The HR manager is nice, you feel comfortable and so far you have been able to answer all questions confidently. You soon get the feeling that this time, it could really work out! But then it comes, the question of all questions: “What did you have in mind in terms of salary?“

No question: Of course you have researched and thought about how much you want to gamble, but you’re getting nervous anyway. “What if my answer lowers the chances to get this job? I want to start here!” Your thoughts are overturning, your blood pressure is rising. This is the moment when you – in the worst case – give away several thousand euros a year.

So we have 3 tips for the next salary negotiation!

1. Be prepared.

How much do you want to earn in your new job, and why? Can you clearly state what you will offer the company? Talking about your own salary is a no-go in Germany, whereas for example in the US, this topic is handled in a much more relaxed way. To find out which salary is common for your desired position, ask people who have been working in this position for a longer time while also doing research online. 

Please be aware that you may not be able to see the big picture. If you notice that your ideas do not reflect reality at all, be open-minded and address the problem. Maybe there is a conclusive explanation (e.g. bad order situation in the entire industry) and you would have a similar situation in any other company.

Still you should set your personal limit in advance. What salary would you need to maintain a certain standard of living? The clearer your goal, the more convincing you will be. (But don’t forget to stay realistic.)

2. Ask for additional services.


Career starters tend to overestimate the amount of their initial salary. You’ll hear them say: “At the university we were told that we can expect xy€ as a yearly salary.” The reality often looks very different, as the salary depends on several factors, such as company size, competitors, personal qualification, financial situation of the company, and current economic situation. 

If the initial offer seems too low anyway, the way to go is to ask for certain additional services (BahnCard, gym membership, education and training, …). Although this is also going to cost your future employer money, it will at the same time grant him certain tax benefits. The chances that your employer might agree to this aren’t too bad!

Remember that you still need to be realistic. If your commute to work takes ten minutes, you might not need a Bahncard 100.

3. Play the game.

Salary negotiations are a game that your counterpart most likely has played a thousand times, while this might be your first one. This can be pretty intimidating. Trying to look at it in a different way might make it easier for you: The perspective of HR managers is normally quite rational. “What does the applicant offer? And what is the company willing to pay for it?” While you can’t influence the answer to the second question, you should keep the first question in mind throughout the whole application process. “What do I offer this company? Why should I be hired?”

Self-marketing starts with the cover letter and becomes more important with each application phase. And even if the subject of salary negotiations makes you sweat, never let it show. Be confident and learn from your counterpart.

With these three tips in mind, you will master every salary negotiation.

The German Social Security System

You’ve already heard about the benefits that Germany offers to you when you work there, but how does all of that actually work? Let’s walk through the social security system with you to help you to understand why gross salary in Germany is hard to compare with other countries.

First of all, everyone who has a job in Germany with a gross salary of more than 450€ per month is automatically a part of the social security system. This package is paid for via contributions by employees and employers and includes all costs for pensioners, the sick or unemployed, or those in need of nursing care. The system comprises the following five insurances:

  1. Health insurance
  2. Nursing care insurance
  3. Pension insurance
  4. Unemployment insurance
  5. Accident insurance

People with jobs must contribute to the first four parts. These contributions total about 40% of gross income, half of which is paid for by the employer, making  the effective employee contribution roughly 20% of their income. The accident insurance is paid for completely by the employer. The employer is also the one handling all of your social security contributions, so you don’t have to do anything as the percentage of your gross income is automatically deducted from your salary before you receive it.

Health insurance

In Germany there are two different types of health insurance: public (Gesetzliche Krankenversicherung = GKV) and private (Private Krankenversicherung = PKV). Depending on your income and type of employment, you may be able to choose between the two. If you earn less than 4,950€ per month, only the public health insurance is available. The contribution amount for health insurance is 14.6% (possibly plus 1% additional contribution) of your gross salary up to a maximum monthly income of 4,425€. This means that if you earn more than this amount, your premium doesn’t increase. The employer pays half of it, or 7.3%. The insurance covers hospital stays, dental care, routine doctor visits (excluding private doctors or surgeons), drugs, eyeglasses, immunizations, x-rays etc.. Statutory health insurance allows children and spouses to also be insured free of charge with a family insurance policy. Tell your employer early enough if you want to choose the insurance provider. There are several non-profit associations administering the governmental health policy, for example Techniker Krankenkasse, DAK Gesundheit, and AOK Bayern. Please note that a lot of services from the public health insurance system have been downgraded or cancelled in recent years, so you might consider getting additional private insurance to cover some services like 1 or 2-bed rooms in hospital, faster treatment, or operation by the head doctor. A private travel insurance includes emergency evacuation from places outside Germany.

If you are self-employed, a civil servant, or earn more than 4,950€ per month, you can opt for private health insurance. This covers a wider choice of medical and dental treatment and in more foreign countries. Furthermore, you can often request a doctor that speaks your mother tongue. If you want to have your dependents covered as well, you need to pay for each of them. As for all of the contributions in the social security system, your employer will pay roughly half of its cost. Please inform your new employer’s HR department if you want a private insurance because they may automatically enroll you in the governmental system.

Nursing care insurance

Everyone who is health insured is automatically member of the long-term nursing care policy (Pflegeversicherung). The contribution is 2.55% or 2.8% of your gross salary (you pay half of it) and it covers some of the costs of personal needs such as feeding or bathing if you become disabled.

Pension insurance

The current retirement age in Germany is 65, and it will be increased to 67 over the next 20 years. To ensure that you will still have a regular income when you retire, the social security system in Germany includes pension insurance (Rentenversicherung). There are three pillars to the German retirement system: 1) government-run Retirement Insurance (also called Statutory Pension Insurance), 2) private company plans and 3) private individual retirement investments.

The Statutory Pension Insurance is mandatory for employees and the contribution is 18.7% of the monthly gross wage (half employer’s, half employee’s contribution). The prerequisite for receiving a German pension when reaching the official retirement age is to have paid into the fund for more than 60 months. In addition to the periods of contributory employment, many other periods are considered such as child-rearing and raising periods and others. The maximum payout is 67% of your average net income during your working life.

The second pillar, the company plans called bAV (betriebliche Altersvorsorge) are a supplement to the Retirement Insurance and are now becoming more important. Government tax breaks and subsidies will encourage companies and employees to invest in private plans. The pensions from these company plans usually also start at 65. Benefits can be received outside Germany, but premiums are not always refunded when you return to your home country.

The third possibility that has recently gained significance as a supplement are individual investments e.g. the Riester pension. You pay a certain annual amount and this determines how many tax advantages and benefits from government subsidies you get. For more information you can read this blog. There are diverse plans with different payment methods, payout schemes etc. Since Retirement Insurance in general is quite complicated regarding the determination of the amount of pensions, early retirement, increased benefits for working longer than the age of 65 and other exceptions, the best way to know for sure is to consult a financial advisor.

If you return to your home country and paid contributions to the German pension insurance for at least five years, you will get an old-age pension. Even for a payment period shorter than 5 years the pension from your country will increase provided there’s a social insurance agreement with Germany. If not you can ask to get back your employee contributions two years after you return home.

Unemployment insurance

Everyone with a paid job must contribute to the unemployment insurance (Arbeitslosenversicherung) apart from some groups like civil servants who don’t have to pay, but are still covered. This insurance ensures that in case of losing your job you will get benefits for a certain period depending on how long you paid contributions. The contribution of 3% split equally between employee and employer goes up to a contribution assessment ceiling of EUR 72,600 per year in western Germany and EUR 62,400 per year in eastern Germany. To receive the money you must have paid contributions for at least one year during the last 5 years. You must immediately register with the Labor Office (Bundesagentur für Arbeit), actively look for work, and accept any job found for you if it’s consistent with your training and experience.

Accident insurance

Employees, trainees, university students, schoolchildren and many other groups are covered by the statutory accident insurance (Unfallversicherung) which pays costs of medical treatment and rehabilitation after an accident or illness caused at work and on the way to and from, at the place of study or on the way to school. Additionally, it includes pensions in the event of invalidity and covers funeral costs in the event of death. There are no contributions for the employee since it is fully paid by the employer.

Other social benefits of the system are social assistance (Sozialhilfe) for people on low incomes, including accommodation heating and additional child benefit (Wohngeld, Beitrag zu den Heizkosten, Kinderzuschlag) and social indemnity paid by the state for disabled war veterans, war widows, orphans, soldiers with service-incurred health problems and the victims of violent crime.

This explanation of the social security system helps you to understand that German salary cannot be easily compared to other countries. In addition to the contributions to the four insurances your salary will be decreased by the income tax.

Income tax

Based on your marital status and other criteria you will be put in one of the six tax classes. Class I is for example for singles, Class II for single parents living alone with their children and if you have two jobs at once you will be put in Class VI for one of them. The taxation also differs for single people and married couples. For a single person it is as follows:

  • income < 9000€                                 tax-free
  • 8,820€ ≤ income ≤ 54,949€         progressively increasing from 14% to 42%
  • 54,950€ ≤ income ≤ 260,532€   42%
  • Income ≥ 260,533€                          45%

On top of this, there is a solidarity surcharge (Solidaritätszuschlag) of 5,5% of the tax, initially introduced for the integration of the states of former East Germany.

The wage tax (Lohnsteuer) is collected at source from compensation and paid directly to the tax office (Finanzamt) whereas the income tax (Einkommensteuer) covers income from other sources like self-employment, rent collections, and investments and must be paid by the individual.

For further information about the German social security system you can consult for example expatica or how-to-germany or contact a financial advisor.

Your Getsafe Team

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