12

In Germany, the following insurances are recommended and a big fraction of the population has such insurance: Haftpflichtversicherung: This insurance will cover damages that you cause to others such as ruining someone's couch by pouring wine over it. It will normally also cover for damages of your kids as long as you or the damaged person can prove that you ...


7

To get a European Health Insurance Card, you need to be covered by a statutory health care/health insurance system in one of the participating countries. In the UK, it basically means being a resident. Citizenship is not relevant, non-citizens can have access to the NHS and get an EHIC if they reside in the UK. But British citizens are not automatically ...


6

The use of the word "Canadian" appears to be shorthand for "person legally employable in Canada", rather than citizen or permanent resident. The applying for employment insurance benefits page makes clear "you can apply for EI benefits if you have paid into the EI account and you are unemployed.". As part of the application process, they require "your ...


5

You should take in account that one other major difference is, the GKV will pay the bills directly. In the PKV you have to pay the bill and collect the money back from the PKV. You can only get back from PKV to GKV when you are not 55 Years old you earned the last 5 years each not more than the Versicherungspflichtgrenze (at the moment 48,600.00 EUR) and ...


5

I think your best option is to apply to Arbeitlosengeld 2, a.k.a Hartz IV. Basically you apply for some money that should cover for your living expenses + your daughter + health insurance for the three of you. As far as I know, you can ask for it independently from whether you hold an university degree or not. Nevertheless, I strongly encourage you to find ...


5

Due to the complexity of this single topic, I will sub-devide the answer in the (hopefully) correct order. Foreigners office (Ausländerbehörde) : Aufenthaltsgesetz (2018) §51(7) Regulates what happens if you leave the country for a long period of time longer than 6 months a longer period than agreed with the Ausländerbehörde the granted leave (...


4

From my experience, you would be better off buying private insurance in the country you're going to, if you're going there for a prolong period of time. If you keep traveling around and never staying at one place for more than a month or two - go to an insurance company at the country of your citizenship and get a travel insurance. I you're moving somewhere ...


4

From the German side of things: Whenever you become unemployed, you can probably be covered in one way or another. If you get unemployment benefits (ALG I), the Bundesagentur für Arbeit pays a predefined amount of money to your previous health insurer, who should continue to cover you. If you don't get unemployment benefits because there is a Sperrzeit (i.e....


4

From the relevant page from europa.eu Your car insurance policy from your home country covers you throughout the EU if you injure someone. Your car's number plate is proof that you have liability insurance. This means that police in another country will not normally stop you just to check if you are insured. So this means: Police should not stop him only ...


3

In Canada the term "social assistance" is a politer synonym for welfare, which are benefits provided based on need. Provincial health insurance is a benefit available to all residents whether they "need" it or not. The rules for qualifying vary by province but it is generally available after 3 months of residence (in Ontario this is true if one is absent ...


3

I would talk to the rental companies about this. Having a UK license you are allowed to drive, so no problem there. The issue is whether the rental company will rent a car to you. That is entirely down to the terms and conditions of the rental company, and they are going to be different from company to company. It may well come down to the exact wording of ...


3

I would say that you are quite possibly breaking law the twice. The rules are quite clear around driving licences and in your case you have done the correct thing by applying for a GB driving licence. Although your Omani driving licence may still be valid; according to the DVLA it is no longer a valid licence to drive in the UK as you have been a resident ...


3

For public pensions/retirement, this is heavily country dependent. As I understand it, it tends to come down to two concepts: 1 - If you have worked in countries that have Totalization Agreements, they tend to do the following: a) You can count most if not all of your service across all of the countries toward your minimum credits/years of work to get ...


3

Generally, life insurance proceeds are not taxable in the US - assuming the premiums were paid with after-tax money. However, the premiums themselves may be subject to a excise tax the US imposes on its citizens who buy foreign insurance policies. As with any other kind of investment, the US penalize you for not using US-based insurance providers. You can ...


3

Depends on your situation I think. If you rent a home you definitely want a good Innbo-insurance. If you own a home you need to have a Villa-insurance. If you have kids I'd recommend Barne-insurance. The Travel-insurance is vital in all cases, so if you lose that; get a private one. It covers most things that could happen while on the go; except for ...


3

Check the details of your innboforsikring, mine from Tryg includes legal expenses and private liability insurance ("Rettshjelp og privatansvar"), and I would guess other insurance companies do the same. This is the case for both their standard and "ekstra" insurance. See for instance here: http://www.tryg.no/forsikringer/innboforsikring.html


3

This question seems to be based on several misconceptions. While my understanding is that Japanese nationals are able to easily secure good health insurance and afford the medicine/treatment for this Indeed, "Japanese nationals are able to easily secure good health insurance"; but so is everyone who legally resides in Japan, regardless of nationality or ...


3

They are not required to do it but some insurers in the public insurance system do cover health check-ups for people under 35, usually with a rather low cap on spending (€50-150). Krankenkassen.de has a list. This should cover a visit to the GP and maybe a basic blood work but a few web searches suggest a full checkup (with ECG, lung capacity, ultrasonogram ...


3

You are exempt from the penalty for any month that you can use the Foreign Earned Income Exclusion on (and I presume that if you are a US citizen working abroad you would be familiar with this exclusion as you would need to file US taxes on your worldwide income and you would probably be using this exclusion to not actually need to pay US taxes). You can ...


3

I now have an additional datapoint from my son who rents a flat in Germany. His landlord did not demand to see the confirmation, but they did "require" that he had the insurance. I think we can therefore conclude that this is not an unusual requirement. Haftpflichtversicherung is quite cheap, so I would just buy it. You probably can't just fill in a form ...


3

Normally you would report yourself as unemployed for that month. When reporting, show them the new contract starting in February. If you have paid in the minimal amount (1 year), you may recieve unemployment money where you would then be insured (May depend on the reason why you are not working in January). Otherwise when you are outside the country, ...


2

Without endorsing any specific carrier, insurers do offer plans for expats, as well as for those who require coverage in both their home country and abroad. As examples, searching on 'global health insurance:' Aetna IMG Cigna Allianz GeoBlue Global Medical Also returned in the Google search is this article on researching international health insurance ...


2

There is an service like this in Switzerland from REGA. While this is technically not an insurance but you rather get this service through a yearly donation, the service is essentially flying you back home to Switzerland in case of emergency. They do not fly you back abroad though.


2

According to the people at the National Insurance Applications call centre, a NHS number does not mean a NI number at all. So if you are registered for the NHS as a student but you've never worked in the UK, you do not have a National Insurance number. In which case you apply for one.


2

In America such coverage is usually not sold separately, but rather it's part of either homeowner's insurance or renter's insurance. (The difference is that renter's insurance doesn't cover the property itself.) Umbrella insurance mentioned in the comments also provides liability protection (wider coverage than what you appear to be describing) but it's ...


2

The best in my opinion is to get this kind of insurance while still in Germany and keep it in when you are in the US - just check that the insurance you purchase is valid worldwide without temporal limitation, even if you move abroad. I checked before moving to the states, and there is nothing comparable to a Haftpflichtversicherung in the German sense (the ...


2

It would clearly be cleaner if you fully moved everything to Canada (and I wouldn't be too confident that the Canadian dollar is as low as it can go) but I think you'll be okay if you do it your way. I actually think your greyest legal areas will be in Canada, rather than the US. You don't necessarily lose your state of residence when you move out of the US ...


2

You'll need to check the travel insurance terms. Usually these kinds of policies will only cover emergency care, and require returning to your home country for continued care. So if something happens to you - your travel insurance would rather fly you back to India and treat you there, which may not be exactly what you had in mind when you started crossing ...


2

You would have to check with your provider to make sure that your plan has full coverage for you abroad. Insurers do offer plans for expats, and, if yours does not, you can try searching on 'global health insurance' for other that do. As examples: Aetna IMG Cigna Allianz GeoBlue Global Medical Also returned in the Google search is this article on ...


2

I had no problem renting a car from multiple different UK agencies in equivalent circumstances. After newly obtaining a UK licence, after many years of holding a US one, I was immediately able to hire a car. You need to present your UK licence, as this is the one that allows you to legally drive in country. Also bring your other licence to provide ...


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