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Germany Chat - Meet people when traveling in Germany on Nomad List

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zezinho 1mo
๐Ÿ›ฌ jwtdycyxp just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Cologne, #germany
balance 1mo
๐Ÿ›ฌ ucfvqwbus just arrived in ๐Ÿบ Berlin, #germany
lewisb 1mo
๐Ÿ›ฌ gplauidw just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Dusseldorf, #germany
Hey team - I am hoping to head to Germany in a few weeks (mid-November) and do a bit of a camper van road trip around for maybe 2 weeks. Any tips or advice for this kind of trip, or general advice for driving at this time of year in Germany?
you can probably choose between (light) storms and rain. if you are lucky a bit of snow and hailstorms in higher areas. sometimes the sun comes out, but i wouldnโ€™t bet on it.
also, wild camping (incl. van) is prohibited in most areas.

have fun ^^
mauro 1mo
๐Ÿ›ฌ mxzmbvo just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Munich, #germany
๐Ÿ›ฌ dmxmzgkcekyawoj just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Cologne, #germany
๐Ÿ›ฌ kpwapkjuswwjfnut just arrived in ๐Ÿบ Berlin, #germany
I can recommend the area where i grew up, its called frankonian switzerland near Bamberg/Bayreuth. Nice places to hike and climb, you will find a spot to camp. Maybe technically its illegal but there are nice spots and hiking parking lots in rural areas where no one will bother you. I am in germany till january, if you need more tips feel free to write me.
๐Ÿ›ฌ ealjcitynxpqzvw just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Cologne, #germany
๐Ÿ›ฌ dcqvrjnomjwmojn just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Cologne, #germany
๐Ÿ›ฌ qdvdeongzfqcfjf just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Cologne, #germany
๐Ÿ›ฌ gptljbtmsbkn just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Frankfurt, #germany
๐Ÿ›ฌ eayfrumtqamzg just arrived in ๐Ÿบ Berlin, #germany
๐Ÿ›ฌ hcqxvisklleczj just arrived in Mรผnster, #germany
ednarb29 30d
๐Ÿ›ฌ zrptbwqzcq just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Frankfurt, #germany
๐Ÿ›ฌ rcokvkuiurkez just arrived in Bad Bentheim, #germany
Switzerland is literally across the lake (or if you stay in Konstanz, a few metres away :D)
๐Ÿ›ฌ ompbdvgeixyapo just arrived in ๐Ÿบ Berlin, #germany
๐Ÿ›ฌ tmswfeaeqsbgb just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Hamburg, #germany
architect 26d
๐Ÿ›ฌ xdbdjaykwxb just arrived in ๐Ÿบ Berlin, #germany
๐Ÿ›ฌ tmukicdlnzrzrh just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Munich, #germany
janvt 25d
๐Ÿ›ฌ ylifeck just arrived in Garmisch-Partenkirchen, #germany
lmedeiros 25d
๐Ÿ›ฌ vnafkxqnwrd just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Dusseldorf, #germany
tamas 25d
๐Ÿ›ฌ trciyhe just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Munich, #germany
janvt 24d
๐Ÿ›ฌ xolgdsr just arrived in Garmisch-Partenkirchen, #germany
janvt 24d
๐Ÿ›ฌ xfphacv just arrived in Garmisch-Partenkirchen, #germany
lmedeiros 24d
๐Ÿ›ฌ denbqlgjfss just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Dusseldorf, #germany
janvt 24d
๐Ÿ›ฌ xxodjnz just arrived in Garmisch-Partenkirchen, #germany
lmedeiros 24d
๐Ÿ›ฌ imgynfmynrv just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Dusseldorf, #germany
janvt 24d
๐Ÿ›ฌ kdzcjvw just arrived in Garmisch-Partenkirchen, #germany
lmedeiros 24d
๐Ÿ›ฌ iivlgqbzimz just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Dusseldorf, #germany
๐Ÿ›ฌ sozspvwirvifan just arrived in ๐Ÿบ Berlin, #germany
luisrieke 21d
๐Ÿ›ฌ xefkvddoyzb just arrived in ๐Ÿบ Berlin, #germany
thibaud 21d
๐Ÿ›ฌ ldyvfdjcm just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Stuttgart, #germany
leon10 21d
๐Ÿ›ฌ ltgxkwhr just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Karlsruhe, #germany
๐Ÿ›ฌ uvapugmjezhf just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Munich, #germany
garlibe 19d
Hello folks! Is anybody subletting an apartment/room in Berlin from early december to late january? No anmeldung needed.
varundev 19d
๐Ÿ›ฌ yibfsndknkgrzqu just arrived in ๐Ÿบ Berlin, #germany
๐Ÿ›ฌ kznxdgzdvxrbza just arrived in ๐Ÿบ Berlin, #germany
momo11 19d
๐Ÿ›ฌ ptqydyig just arrived in ๐Ÿบ Berlin, #germany
Iโ€™ve seen a few at reasonable prices in Facebook groups this week
๐Ÿ›ฌ yfqabubtirdfy just arrived in ๐Ÿบ Berlin, #germany
unglud 17d
Quick โ“ public or private health insurance (for you personally), why?
if youโ€™re young (<40) and has no feeling for social responsibilities -> private

getting older (or already got health issues) increases the possibility that the private getโ€™s more expensive then the public option. so public + private additionals is the choice.

or youโ€™ve got a really good insurance broker for the privates ^^
unglud 17d
it may get more expensive, but I guess i get more benefits for a price, no?
varundev 17d
Am sure you already know this site, just in case you don't
no. maybe a better room in he hosptital ^^
unglud 16d
what about faster appointments, no need to wait 3 months for MRI
I have a friend that is renting subletting from beginning of December until end of January
again, you have to calculate through for yourself. things like this can also be archived through an addition to the public health insurance.
and again, itโ€™s cheaper until a certain age. or simpler private health insurance work like every private company and is heavily based on your actual and statistical risk factors (like most other insurances). as higher it gets, more expensive it gets.
the public health insurance has its issues, but this issues are applied to everyone regardless how damaged they are ^^.

if i would be younger, i would surely take a private one. especially because its waaaaay cheaper as i pay for the public (based on my income). now, after passed the 40s, i would need to check it in more detail if teh private actually helps me out more or not.
myless 16d
Ok, so just to clarify. Its not cheaeper until a certain age. It is cheaper, when you join young. Private insurance companies are not allowed anymore to increase the prices based on age. It is mandatory to save up money to cover additional expensed that come with age.

So, as long as youโ€™re young and healthy it can be cheaper. Depending on a few factors:
1. If you have kids (or plan to get some), they have to be insured by the parent with the highest income, which adds additional cost of around 100โ‚ฌ per kid per month
2. If your wife does not work, she has to be insured by your insurance as well to the full price (which increase s the price dramatically)
3. If you do not choose a good insurance company, it actually gets more expensive with time because they are bad at handling money.
4. Depending on your salary, it could be cheaper. When youโ€™re over 80k a year, your public insurance gets more expensive every year (around 2%). While your private health insurance (if chosen correctly) does not increase the amount you have to pay that much.
5. If you are healthy and young, you could save a few hundred a year.
But you should consult a insurance consultant (a real consultant, whom you pay for his service, not a broker who gets paid by the insurance company). They usually ask for 200-500โ‚ฌ for a consultancy.
debbiec 16d
Iโ€™m subletting mine in Neukolln jiorxbxfa gonna pm you
private since no public health insurance covers me worldwide. sounds like youโ€™re planning to leave from Germany, so plenty of good options there, search for expat insurance. they cover you for up to 5 years. after that you just get another 5 years from another company
janakiara 16d
๐Ÿ›ฌ dffcaqycdik just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Munich, #germany
ulzfokyvwaiu if you're planning to leave Germany, why pay an insurance in Germany at all? Just get a nomad travel insurance and in case something serious happens, you can come back to Germany and always get back on a public one, no?
rfvxbsus sorry, but it seems you have some wrong facts listed for the public insurances
the point 4 is false. what you pay is oriented on your income, right. your monthly payment is a % of your monthly income (or total in year), but this calculation is gapped with a max. which is currently around a 4900,- monthly income. soo % of this 4900 is the max you have to pay. and only this max, and the percentage, increases per year.
or in your numbers the one with 80k and more pays exactly the same as the one with 200k and above.
as far as i know a private does not have this (legal) limitations and can increase based on risk factors.

point 3 is also debatable, as private insurances are pretty good with handling (and withholding) money. as this is the primarly financial backing of that companies.
the argument would better match with public health insurances ^^
myless 15d
drwdwrbvsfbhmn You are technically correct. But look at what the government did the past 20 years. Every year they increased the threshold for the cap by around 2%. Meaning every year the cap was higher, which also leads to an increase in the amount you have to pay for public health insurance, if you are still above this cap.

So let's say you earn 120k, the current cap is 100k (meaning you never pay more for public health insurance than a percentage of 100k, regardless how much money you make) and the public health % is 15%. Right now, you would pay 15k a year.

What they did historically is increase the cap by around 2%. So, next year it would be 102k. Which would bring your public health total to 15.3k.

So while you're technically correct, the reality is something different, if you earn enough.

To point 3 This is an argument for public health, if you were to choose a bad insurance company. I just wanted to explicitly state that only a few good ones are worth considering as the rest is historically bad in calculating long-term prices.
qeajqhhh where did you get your information? the gap ("beitragsbemรคssungsgrenze") is not 100k, its around 4987,-/month (59850,- /year) in 2023.
and yes it invreases because cost increases and the publics are shitty in managing the expenses. but so do all private insurances ๐Ÿ˜…
and i can actually proove this with numbers on my own papers ๐Ÿคทโ€โ™‚๏ธ
myless 15d
It was a hypothetical to make the calculation easier to understand. I know it's not 100k.
to be even a bit more transparent on this:
the public health insurance payments includes a health insurance AND care ensurance. the private most often (pls proove me wrong) does not.
in 2022 the max payment/month for the health insurance was 749,81. together with the care insurance it sums up around 909,-/month. thatโ€™s the actual fact. and the maximum anyone in the public health would have paid.
but facts help even more then theories ๐Ÿ˜„
myless 15d
Yes, you are wrong. In fact, if you want to move to private insurance, you have to prove that you have both health and care insurance with a private company. Otherwise, your current public health provider is not allowed to let you go.
where am i wrong? i never made a statement like that ๐Ÿ˜„
myless 15d
You said the private insurance would not include care. Which is wrong. It is not bundled but you have to provide prove that you actually insured both.

Ok, I'm paying 769โ‚ฌ a month for private health insurance and care. This includes the most you can get in terms of service. Which is not only a better room in a hospital. It is so much more. It also includes a component that my monthly payment is reduced by 400โ‚ฌ/month the moment I retire.
i said โ€œmost oftenโ€. but thanks to clearing this up. most offers i get does actual not ^^.
one small but maybe interesting part payments to the private insurance are fixed values afaik.
as mentioned before, the amount for the public is fluent and based on your income (or taxation relevant earnings as a company/freelancer). so if you are really, really good in lowering your taxation, you also pay less in health insurance ^^

but to get back to csrghqey questions. kujrmlwmeoenmvmh had a important point. (afaik) all public health insurance companies do not include (longterm) travel insurances. they cover germany of course, partly moving through eu countries (for a period of time that can be defined as โ€œholidaysโ€). but thats all.
jchxqbje what iโ€™m curiouse about is, includes your plan 100% of the costs, or do you have a โ€œselbstbeteiligungโ€?
myless 15d
Just to add to this Most private insurance companies only have limited worldwide coverage. They cover expenses on a EU level. So, basically what an equivalent treatment would have cost in Germany. If the treatment is more expensive (for example if you have to get treated in the US) you have either cover the difference on your own or get a travel insurance for that.
myless 15d
sghpmlfbntqcgx right now, I have 600โ‚ฌ (not including preventive treatments and checks, which are covered in full without touching the Selbstbeteiligung) per year in Selbstbeteiligung and I receive around 1500โ‚ฌ back at the end of the year, if I don't ask for reimbursement.

This was intentional, as I didn't really had the need for medical treatment in years. I can always decrease the Selbstbeteiligung to either 300โ‚ฌ/year or 0. Which would add another 100โ‚ฌ per step roughly.

Also this is something important Unless You're in a hospital, you will get an invoice from your doctor. Not the health insurance. You are responsible for paying the treatment and you get reimbursed by the private health insurance. Normally, you have 4-6 weeks to pay a medical bill and it takes 2-4 weeks for your insurance company to reimburse you. So, if you're quick, you don't have to advance money. But if you're bad in managing invoices and paper work. Well, private insurance is not for you.
thanks for the first part, itโ€™s what i suspected.
so lets say you are a โ€œregularโ€ visitor to your practioner annual checkups, dental checkups twice a year. this visits alone will probably fall under the โ€œselbstbeteiligungโ€, your 600 bugs you have to pay by yourself.
so not only you pay 769,- for nothing, but still have to pay for this visits additionally. do i sum this up correctly?

are this 600 bugs per treatment, or total per annual?

and yes, the second part is also relevant for anyone else ^^
(just ask, because i dont want to read the fineprints in some offers ^^)
myless 15d
No, this is what I meant. All preventive treatments and checks (like dental care twice a year or your regular check-up) do not fall under Selbstbeteiligung.

And 600โ‚ฌ per year. Not per treatment.
alright, thanks ๐Ÿ‘
myless 15d
So, I actually pay 100โ‚ฌ less because I have not received medical treatment (at least not in the last 5 years) and because of that, I am reimbursed for being healthy and receive 1.500โ‚ฌ a year for being a good little boy
iโ€™m curious, whatโ€™s the plan when growing older? and/or the (taxed) income is much lower (as it happens in retirement)?
or is this a problem for later? ^^
myless 15d
This is why I have a component that reduces the monthly payment by 400โ‚ฌ. So, my employer and I (both 50%) pay the insurance company now to lower the monthly rate later on (which is already included in the 700โ‚ฌ)
thanks ๐Ÿ‘
myless 15d
This is a highly complex topic. I spent half a year researching, talking to various people about it before I made my decision. I would urge anyone who is interested to first do their homework and never go to an insurance broker.

Insurance brokers are incentivized by x times your monthly rate. The x depends on the individual insurance company. Some pay 5 times, some 7, some 9. You never know. So, their primary objective is to get the maximum amount of cash for the least amount of work. They are not interested in consulting you. I had to make this painful experience with a family friend who is a childhood friend of my mother. And he bluntly lied to my face to get me to sign with him. Not once but twice.

Always ask an insurance consultant. They bill you the time they spend consulting you. So, the more questions you have, the more you have to pay. Which is ok. They usually bill like 100โ‚ฌ an hour.

You should also do this, if you consider retirement insurance but this is another topic ๐Ÿ˜‚
unglud 15d
What I took from this conversation is that in my case, 38, healthy (knock, knock), what to travel, with ok income, employed. Private is good, If I make sure, to not have deductibles, because my employer pays half, and keep up with good health because insurance can give some bonuses back, make sure that insurance has a system to save up money to cover costs at later ages.
What is not clear yet:
> This is why I have a component that reduces the monthly payment by 400โ‚ฌ. So, my employer and I (both 50%) pay the insurance company now to lower the monthly rate later on (which is already included in the 700โ‚ฌ)
You reduce payment now to pay less later. Is that right? Should it be opposite? Pay more now with help of your employer to pay less later?

> You said the private insurance would not include care. Which is wrong. It is not bundled but you have to provide prove that you actually insured both.
โ€œcareโ€ sounds like a new can of worms, I know nothing about. Could you please elaborate it a bit more?
myless 15d
1. No, I pay roughly 80โ‚ฌ or something a month now to half 400โ‚ฌ off when retiring
2. In Germany you have both health insurance and care insurance (which pays nursing home etc. when you need it - this is technically not covered by health insurance)
3. To be honest If your salary is not above 80k and you expect it to rise, I would wait. I joined private health insurance 10 years younger than you. So, I expect your rate to be quite a bit higher than mine was back then. You should really calculate it and look at different options. It is not about private or public health insurance. It is more about public health insurance vs all of the specific companies, as they differ greatly. Also remember The only way to go back to public health insurance is, if youโ€™re under 55 and earn less than the cap (Beitragebemessungsgrenze). Other than that, you are stuck in private forever
just fyi the โ€œcare insuranceโ€ does not only apply to old retirees in nursing homes. it applies to every case where you would need additional support. f.e. after a terrible accident, being homestuck and need help by relatives or professional personal. a sudden heavy illness which requires you need help in your day-to-day business.
cthonryzhvnnjxrw I donโ€™t like the idea of uprooting my life just to go to a hospital, so I donโ€™t think having proper insurance only in some country you donโ€™t live in is a good idea. Iโ€™m getting the expat insurance from Germany because theyโ€™re really good and not expensive and as a German citizen they cover me everywhere (exception Germany itself with a max of few weeks per year)
unglud 15d
So health insurance in Germany not mandatory it you are citizen and donโ€™t live in Germany?
myless 15d
No, actually most insurance companies won't cover you, if you're spending more than 6 months outside of Germany
van0ss 15d
๐Ÿ›ฌ lfuijatt just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Munich, #germany
mgexyxebjooq you don't need a full insurance "just to go to the hospital". Travel insurance will pay for that or you can pay out of pocket. What you're paying extra for is coverage for getting seriously ill (think cancer), where AFAIK travel insurance will just fly you home. I'd argue most German nomads would want to return to Germany in that case anyways, so a travel insurance would be sufficient
๐Ÿ›ฌ qwbrcsxuounzd just arrived in ๐Ÿบ Berlin, #germany
In case anyone needs any apartment for December and January in Berlin my friend is subletting her amaaaaazing one in Fhain!
๐Ÿ›ฌ kexyjuqgbwtx just arrived in ๐Ÿ‡ฉ๐Ÿ‡ช Munich, #germany
janvt 12d
Anyone have a tip for a good tax consultant in Germany that understands remote work and foreign billing. Need so quick help sorting out some issues with the lovely tax office ๐Ÿ˜‚
unglud 12d
Something to think about
show me the travel insurance that covers it when I break my leg doing what they consider โ€œextreme sportsโ€, e.g. paragliding
gddysbyuycsi maybe World Nomads?| anyways, I'm not trying to argue a travel insurance would be right for you specifically, just saying it's enough for most people who have easy access to health care in their home country
Hey everybody,
Iโ€™m gonna be in Berlin Thu-Mon! Iโ€™m searching for somebody to explore modern art with or go to nice techno on klubnacht ๐Ÿ™‚ Let me know if youโ€™d like to join me! โค๏ธ
nomadlist 11d
xczhbfodawdc is proposing a|meetup in Berlin, #germany at Kater Blau/some other venue โ€“ย we will figure it out :) on Friday, 24 November at 15:00. "Techno together? :)" โœ… RSVP here
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