What does professional teeth cleaning cost?

Beautiful teeth! The cost of a PZR varies depending on the practice, complexity and region. On average, patients should expect the following prices:

• Simple PZR: 50 to 80 euros
• Comprehensive PZR (with airflow, polishing, sealing): 80 to 150 euros
• Initial treatment (lots of tartar, risk of periodontitis): up to 200 euros

Dental cleaning is recommended at least once, preferably twice a year. Two appointments cost between 100 and 300 euros per year – depending on the practice and the condition of the teeth.

What does the GKV pay?

Statutory health insurance (GKV for short) does not generally cover periodontal cleaning as a standard service. There are only exceptions in the case of medically necessary periodontitis treatment (PAR treatment according to findings). A purely preventive prophylactic cleaning is a so-called individual health service (IGeL) – the patient pays for it themselves.

When is supplementary dental insurance worthwhile?

Supplementary dental insurance usually reimburses 80-100 percent of the cost of a dental cleaning. With two PZR appointments per year and an insurance premium starting at 10 euros per month, the policy pays for itself through prophylaxis alone – not to mention dentures, crowns and orthodontics.

If you would like to compare the costs and reimbursement of professional teeth cleaning in detail, you can find a detailed guide on zahnzusatzversicherung.one – including an overview of which tariffs reimburse 100% of PZR and do not require a waiting period.

PZR procedure: What happens during cleaning?

A typical PZR takes 45 to 75 minutes and comprises several steps:

1. Diagnostic findings: periodontal status, gum depths, bleeding index
2. Removal of tartar and plaque: With ultrasound and hand instruments
3. Polish: removal of discoloration (coffee, tea, nicotine)
4. Airflow (optional): Powder jet device for stubborn deposits
5. Fluoridation: Hardening of the tooth surface, protection against caries
6. Nutritional advice: tips for dental care at home

PZR and supplementary dental insurance

Here are the most important points in brief:

• GKV does not pay for PZR – except for medically necessary PAR treatment
• Average costs: 60-120 euros per appointment, 1-2× per year recommended
• Good supplementary dental insurances reimburse 80-100 % of the PZR costs
• Tariffs without a waiting period are particularly attractive for immediate protection
• Annual premium often lower than the PZR costs saved

Conclusion: If you regularly have your teeth professionally cleaned, you should not bear the costs alone. Good supplementary dental insurance already pays for itself with the professional dental cleaning – the cover for dentures and orthodontics comes on top.

Speaking of which, this is how the stars do it

Perfect teeth? They don’t always come from professional teeth cleaning. Especially those who are often in front of the camera rely on so-called veneers. We ventured behind the scenes and gained an insight into a practice where celebrities usually have their teeth treated.

• Veneers

Straight teeth? There is a solution for this too, for example:

• Invisalign

Residential legal protection: Legal protection for property owners and tenants

What is a residential legal protection?

You may be wondering what exactly lies behind the term “residential legal protection”. Residential legal protection is a special form of legal protection insurance that aims to cover legal disputes in connection with residential rights, real estate and property.

This insurance provides some security and support when it comes to disputes and legal challenges that may arise in the context of real estate. Important, for example, when you buy your first apartment or house.

• For you, if you own a property
• For you, if you are tenant:in

Benefits of the residential legal protection

What is the benefit of residential legal protection?

Let’s take a look at the usual services:

• Legal advice and support in real estate disputes
• Assumption of attorney’s fees and court costs
• Coverage for disputes with neighbors, tenants and landlords
• Assistance with property boundary and building permit issues.
• Support for construction and building projects
• Protection when buying or selling real estate
• Coverage of legal problems in owners’ associations
• Comprehensive coverage for different types of real estate
• Protection in the event of tenant default and rental nomads
• Support with questions concerning renting and leasing
• Flexibility in adjusting the scope of insurance

Costs and scope of residential legal protection

What does residential legal protection cost?

Of course, you are also interested in the financial aspect. The cost of residential legal protection can depend on various factors. These include the scope of coverage chosen, the value of the property covered, the region in which the property is located, and also personal factors such as your individual risk assessment. It is advisable to compare different offers from insurance providers to get an idea of the costs and benefits.

• Costs depend on scope of coverage, property value, region and individual factors
• Compare offers to find the right cost-performance balance
• Costs between 150 euros and 400 euros per year

Source: Residential legal protection costs

Comprehensive coverage for owner-occupied housing units

What does legal protection mean for all owner-occupied housing units?

Wondering if all apartments or properties are covered? Legal protection for all owner-occupied housing units means that not only a specific property or apartment is protected, but all apartments or properties that you occupy yourself. This can include your own home, a condominium or even rented apartments. This comprehensive approach gives you peace of mind that you are legally protected no matter where you live.

• Protection for all owner-occupied property types, including homes and condominiums
• Certainty that the personal living space is legally sc

Housing and property legal protection

Protection in property-related disputes.

What does the housing and property legal protection include?

You want to know what specific situations are covered by this form of legal protection? Housing and property legal protection insurance covers a wide range of legal disputes that may arise from the ownership, use or rental of apartments, houses and land. This includes conflicts with neighbors, tenants or landlords, but also matters such as building permits, property boundary disputes or other property-related challenges.

• Covering conflicts with neighbors, tenants, landlords and other parties
• Assistance with building permits, property boundaries and similar issues.

Real estate legal protection: Quickly explained

Comprehensive protection for property owners.

What does real estate legal protection cover?

The term “real estate legal protection” certainly raises questions. This type of legal protection insurance goes beyond the protection of apartments and real estate. It covers a broader range of legal matters related to real estate. This includes disputes in construction, real estate purchase and sale, construction planning issues, construction financing (Read Tip: Cheap Loan) and similar matters. So when legal problems arise that are related to real estate, real estate legal protection steps in.

• Coverage of construction disputes, real estate purchase and sale, construction planning and financing.
• Security in various legal matters in the real estate sector

When does real estate legal protection apply?

When does real estate legal protection apply?

Are you wondering in which cases this insurance will cover you? Real estate legal protection always kicks in when legal disputes arise in connection with real estate. This can be the case in a variety of situations, such as conflicts with construction companies during the construction phase, discovery of construction defects, disputes over property boundaries, building permits or when legal problems arise in connection with the purchase or sale of real estate. In short, whenever legal challenges arise in the real estate sector, you can count on real estate legal protection.

• Support with legal problems in the real estate sector
• Conflicts during the construction phase, construction defects, property boundaries, purchase or sale of real estate

Useful? Yes or no

Residential legal protection offers both property owners and tenants important coverage in legal matters relating to real estate. From legal advice and cost coverage to comprehensive coverage for different types of real estate, this protection ensures that your home and real estate are legally protected.

Portfolio of your financing: folder for the bank

Banks receive financing requests for real estate on a daily basis. To ensure that your request goes through as quickly and smoothly as possible, you should make sure that your documents are in order. For this purpose, we recommend two folders that you can hand over to the bank.

Folder for the Bak:

1. Folder: Credit rating
2. Folder: Object

Object folder: summary of the data

We have listed everything you need for your object folder so that you are guaranteed not to forget anything.

General data: Exposé and photos of your object

First of all, there should be a synopsis or a fact sheet in your folder, on which all basic data of the object are noted. In addition, the bank should get a visual impression of your building or your apartment, whereby the submission of photos is very important.

What you need first:

• Real Estate Exposé/ Fact Sheet
• Photos of the apartment / building

More specifics: Parcel map, floor plans & insurance

In addition to the general facts about your dream property, you should have the site plan, the floor plan and the cadastral map ready. On the cadastral map you will find official key figures, which are defined in a limited accessible register (real estate cadastre). Furthermore, you need an excerpt from the land register , which determines the respective ownership and living conditions. Other important documents are the building insurance and the energy certificate. If you buy your property as an investment, you should include the lease agreement.

Other documents you will need are:

• Parcel map and site plan
• Floor plans
• Living space calculation
• Land register excerpt
• Building insurance
• Energy certificate
• Rental agreement

Condominium case: details of the entire property

When you buy a condominium, you are automatically part of a community of owners and therefore have to attach other plans to the entire property. This includes the declaration of division, which contains the agreements between all owners, as well as other plans of the building. In addition, the minutes of the last owners’ meetings are an important part.

Documents in the case of a condominium:

• Declaration of division – with certificate of seclusion
• Collection of resolutions – last 3 owners’ meetings
• WEG manager contract
• House service charge statement
• Property tax notice

Last document: The draft purchase agreement

Last but not least, the bank will be happy if you already have a draft of your purchase contract. If this exists, you add it as the last document in your real estate portfolio.

• Draft of the contract of sale

The next step: contract of sale of your apartment

Your dream property has been found! After a detailed assessment of the location, a commercial check and a technical check, you can now draw up the draft purchase contract for the notary appointment and to complete your bank documents. But what does such a purchase contract actually consist of? You can learn everything you need to know to draw up the purchase contract for your first own apartment here.

Health insurance and liability insurance

You’ve bought your first dog, but you don’t know which insurance to choose?

Important question:

How to insure a dog?

The 2 types of insurance for dogs

As already described in the introduction, there are basically two insurances for dogs:

1. Health insurance – insurance against costs incurred due to illness
2. Liability insurance (optional) – insurance protects against the financial burden of damage claims

Just as with us humans, one thing is important: basic protection. This includes health insurance, should there be unplanned, higher costs, such as an operation.

The bigger your dog, the more you should think about liability insurance. This is not even about your dog biting someone, but also about general small damages that can occur at any time. For example, when playing in your own home or in other people’s homes.

Dog insurance: My + Alternative

I looked through all the comparison portals, all the calculators and finally decided on Agila, because it was also recommended to me by other dog owners. Here you have everything so far, including the cost coverage for medically necessary operations.

• Agila animal health insurance
• Agila liability

A good alternative is also Petplan.

• Petplan

Also when playing with kids.

Is dog insurance compulsory?

None of the insurances are obligatory. So you are free to decide whether you want to take out health insurance or liability insurance for your dog, you are not obliged to do so.

• Compulsory? No

What should insurance offer you?

If something happens, then especially the processing of damage reports should go quickly. Free choice of veterinarian is important, so you can choose freely, for a good veterinarian in your area, more tips on this later!

This is what a good dog insurance should be able to do:

• Fast processing of damage reports
• Free choice of vet for you
• Suitable and comprehensive insurance cover
• Precaution included
• Discounts for two or more pets

Cost of insurance: month and year

Now for one of the most important questions:

What is the cost of insurance for a dog?

Of course, all services, providers and conditions are different. Here is a first overview.

How much does dog health insurance cost?

For a typical dog insurance you pay, of course, depending on the provider, between 5 euros and 18 euros per month. The respective premium amount depends primarily on which benefits you want to claim for your dog. A second important factor is the deductible. Do you want the costs to be covered completely or do you want to pay a part yourself? Depending on this, the prices are therefore between 5 euros and 18 euros.

• Health insurance starts at 5 euros / month
• Most expensive insurance at about 18 euros / month

So in a year, as a dog owner, you can expect to pay a triple-digit amount for insurance.

• As a rule: 3-digit amount / year
• Cheap (less power) from 60 euros / year
• Expensive (more power) up to 216 euros / year

How much does dog liability insurance cost?

The premium amount of the dog liability insurance depends mainly on your desired sum insured. With 10 million euros of damage, you pay about 4 to 5 euros per month.

• Liability insurance about 5 euros / month

Annually thus round about 50 euro – 60 euro, depending upon offerer of the dog adhesion insurance.

• Liability insurance 60 Euro / year

Also for fighting dogs. As described, it depends on the amount of insurance.

Do I need health insurance for my dog?

Insurance is there to cover costs that, in case of doubt, exceed one’s own budget. An operation with follow-up costs, is in the four-digit range. Small matters at the vet cost 50 euros to 200 euros. If you can easily pay such amounts, it theoretically works without dog insurance. The small monthly amount protects you from larger costs.

The dog insurance is comparable with an own health insurance. Of course, you try to stay healthy, for years nothing happens and then suddenly comes the moment when you may have to rely on health insurance. Hospitalization, the operation, medications,…. If you can afford to pay 20,000 or 30,000 euros out of your own pocket, in theory you don’t need insurance. In practice, however, it saves you from a big cost shock with a small monthly amount.

My mistake: locked too late!

My mistake was that I took out the insurance too late. So I still had to pay for the first treatments myself.

When should I buy insurance?

You should take out dog insurance at the same time as you buy your dog. If you want to buy a puppy, for example, many insurance companies already cover the first vaccinations and deworming.

For example, I made the mistake of first paying for everything myself and then 3 months later I registered the dog insurance. Of course, this way I had to pay for the first vaccinations and deworming, with a visit to the vet, myself. In total, the cost for my puppy was about 240 euros for all appointments. Money, which I could have saved directly!

You can easily buy the insurance online, you also need only a few data from your dog, for example, the color of the coat, the breed and the weight.

Animal and veterinarian

Who can be insured?

What breeds of dogs are insured?

All dog breeds can be insured, whether German shepherd, dachshund, rough-haired dachshund, Labrador and golden retriever, dwarf spitz or even poodle and boxer. So it doesn’t matter which dog you buy, because every breed can be insured.

The most popular dog breeds are mainly:

1. Mixed breed dogs
2. Labrador Retriever
3. Golden Retriever
4. German shepherd dog
5. Yorkshire Terrier
6. Jack Russell Terrier
7. Beagle
8. Chihuahua
9. Australian Shepard
10. German boxer

What animals can be insured?

Of course, not only dogs can be insured. If you also have a cat or a rabbit, you can insure them as well. Tip, if you register a second pet with an insurance company, you often even get a discount. The most common pets that are registered with a pet insurance company include:

• Dogs
• Cats
• Rabbit

How do I find a good veterinarian?

My tip for finding a good vet nearby: Just ask other dog owners you will meet everywhere on the street.

If you need to find a vet quickly, take a look at Google Maps. Here you will find markers, so you can see directly how far away the vet is, as well as reviews from other users. So if the vet already has 30, 40 reviews and they are over 4.5 stars, it should be a good, reputable vet for your little dog.

Conclusion: Insure your dog!

Now you’ve really learned a lot when it comes to dog insurance! Here are my recommendations again. If your bank account isn’t bulging and 4-figure bills don’t shock you, you may not need insurance. But if you’d rather pay a small monthly amount and be covered, you should opt for insurance for your dog!

Dog insurance: My + Alternative

I looked through all the comparison portals, all the calculators and finally decided on Agila, because it was also recommended to me by other dog owners. Here you have everything so far, including the cost coverage for medically necessary operations.

• Agila animal health insurance
• Agila liability

Petplan is also a good alternative.

• Petplan

Basic equipment dog: checklist

Not only the right insurance for the dog, there is more to the basic equipment.

No matter what breed of dog or what type of mixed breed, there are exactly 6 things you need when buying your first dog or puppy! So to speak, the basic equipment for your puppy and the first days together in the house or apartment. With this checklist, you have everything important! The right food for puppies, two bowls for food and water, a leash with collar and / or harness (safer), toys and very important…

• Basic equipment puppy & dog

Life insurance: Explanation

We’ll answer your questions:

• How does life insurance work?
• How useful is life insurance?
• Can you cash out your life insurance?
• What is the difference between term life insurance and endowment insurance?

For whom does life insurance make sense? By taking out a life insurance policy, you as a saver are not only providing for your own old age, you are also providing financial security for your family.

For whom does life insurance make sense?

Depending on the personal family and occupational status, different life insurance policies come into question.

• Young families – term life insurance if the main earner fails is provided for all
• Self-employed – endowment and term life insurance for family and any outstanding loans (company, property, etc.)
• Employee – endowment insurance with the advantage of asset accumulation (as a supplement to the later pension)

Private risk protection is indispensable for everyone who does not go through life completely alone. If you have children, a spouse or other close relatives, life insurance can provide protection. Even if you’re building a home or starting a business, you should make sure your loved ones are taken care of if the worst happens.

Why does this make sense? If you should die, your relatives can, for example, pay off the loan for the house or the children’s education can continue to be financed.

Advantages

• Capital Security
• Protection for surviving dependants in the event of death
• Asset accumulation (for endowment insurance)

The cost of the insurance you take out depends on your individual objective for cover and on the agreed term.

Tip! Due to the current low-interest phase, a unit-linked life insurance policy is recommended.

Interest rate development of life insurers

Here you can see the current interest rate of life insurers in Germany from 2000 to 2019.

Source: Statista

Let’s take a closer look at the key differences between the two types: Term and endowment life insurance.

Endowment life insurance: protection and asset accumulation

If you should reach a high age, you can save for later at the same time with a capital-forming life insurance.

With an endowment policy you can protect yourself or save money for old age, keyword retirement provision. A life insurance policy with a savings effect does both at the same time, is relatively inexpensive and yields a return.

It is ideal for you if you want to protect your surviving dependents or you want to build up assets for your old age. In addition, there are tax benefits for the life insurance but also some interest (albeit low for current new contracts).

• Endowment insurance is protection for surviving dependants
• It builds up assets for your old age (later payout)
• Costs: On average from 50 euros a month (600 euros a year).

Term life insurance: protection also for loans

With term life insurance, you can protect your loved ones above all. Term life insurance protects your next of kin financially in the event of your death. The conditions are affordable for everyone and are available on average from providers for as little as 2.30 euros – 2.85 euros / month.

Term life insurance is perfect for you if you want your survivors to be fully covered (example: purchased house, remaining debt must be paid in order not to lose the house). Tip. The term life insurance does not only cover the credit of a real estate, all credits and loans are secured by it.

• Costs: On average from around 2.50 euros a month (30 euros a year) with 100,000 euros sum insured and 10-year contract term

Capital accumulation and disbursement

For those who see life insurance not only as risk protection but also as a financial investment, the conditions of the payout are of particular interest.

One of the most important facts when it comes to the later payout. The payout of the life insurance only has to be taxed slightly. This makes it particularly interesting for supplementing your own pension later on.

How much you get in the end depends on the individually concluded insurance. Parameters such as age, term, sum and health play a role. If you are a smoker, for example, you will pay a significantly higher premium than non-smokers.

How is the life insurance premium calculated?

1. Age at conclusion of contract
2. Term (especially for term life insurance)
3. Health
4. Sum insured

Statistics and interest

Premium income of life insurance companies

Looking back, here you can see the development of life insurance premium income in Germany from 1980 to 2018 (in millions of euros).

Source: Statista

Life insurers’ portfolio of contracts

Structure of the contract portfolio in life insurance in Germany from 1990 to 2018 by type of insurance.

Source: Statista

Current interest

Here you can see the current interest rate of life insurers in Germany from 2000 to 2019.

Source: Statista

Interest rate development of life insurers

Current interest without terminal bonus and participation in valuation reserves | Source: Assekurata (as of February 2019)

Most economical insurers – comparison

These are the most thrifty German life insurers according to the share of acquisition and administrative costs in premiums written in 2009.

Source: Statista

Most expensive insurers – comparison

Here you can see the most expensive German life insurers according to the share of acquisition and administrative costs in premiums written in 2009.

Source: Statista