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    责任保险和法律保护保险

    Liability Insurance and Legal Protection Insurance

     

     

    小贴士 - Tip

    我将从德国为您提供帮助。请允许我根据自己在德国的保险经验为您提供一些建议:

    I will be there to help you from Germany. Allow me to offer you some advice based on my personal experience with insurance in Germany:

    什么是责任保险,为什么在德国需要责任保险?

    责任保险承保您不小心对他人或其财产造成的损失。德国法律并不强制要求投保,但强烈建议您投保,因为赔偿要求可能非常昂贵。

    WHAT IS LIABILITY INSURANCE, AND WHY DO I NEED IT IN GERMANY?

    Liability insurance covers damages you accidentally cause to other people or their property. It is not legally required in Germany, but it is highly recommended since compensation claims can be very expensive.

    德国留学生必须购买责任保险吗? 不,法律上没有要求,但大学和许多房东都希望留学学生有。
    Is liability insurance mandatory for international students in Germany? No, it is not legally required, but  universities and many landlords expect students to have it.
    责任保险包括哪些内容?

    保险涵盖对第三方造成的损失,例如

    • 出租物业损坏(如木地板上的水渍)
    • 意外人身伤害(如涉及他人的自行车事故)
    • 财产损失(如摔坏朋友的智能手机)
    What does liability insurance cover?

    The insurance covers costs for damages caused to third parties, such as:

    • Damage to rental properties (e.g., water stains on wooden floors)
    • Accidental personal injury (e.g., a bicycle accident involving another person)
    • Property damage (e.g., dropping and breaking a friend's smartphone)
    责任保险不承保什么?
    • 自己或家庭成员的财产损失
    • 故意损害
    • 与职业活动有关的损害
    What is not covered by liability insurance?

     

    • Damage to your own property or family members' property
    • Intentional damages
    • Damages related to professional activities
    什么是法律保护保险,作为学生我需要吗? 法律保护保险有助于在发生法律纠纷时支付律师费和诉讼费。它对学生很有用,尤其是在租房或就业法律纠纷中。
    What is legal protection insurance, and do I need it as a student? Legal protection insurance helps cover lawyer and court fees in case of legal disputes. It can be useful for students, especially in rental or employment law cases.
    法律保护保险涵盖哪些领域?
    • 租赁法(例如,与房东就押金或水电费账单发生的纠纷)
    • 交通法(如涉及自行车或汽车的事故)
    • 就业法(如兼职问题)
    What areas does legal protection insurance cover?
    • Rental law (e.g., disputes with landlords over deposits or utility bills)
    • Traffic law (e.g., accidents involving a bicycle or car)
    • Employment law (e.g., issues with a part-time job)
    法律保护不包括哪些内容?
    • 刑事案件
    • 故意法律纠纷
    • 家庭法或继承法纠纷
    What is not covered by legal protection?
    • Criminal cases
    • Intentional legal disputes
    • Family law or inheritance law disputes
    如果我离开德国,可以取消保险吗? 是的,大多数保险单都可以在一至三个月的告知期内取消。
    Can I cancel my insurance if I leave Germany? Yes, most insurance policies can be canceled with a notice period of one to three months.
    我可以按月或按年支付保险费吗? 这取决于供应商。许多保险机构提供灵活的付款方式。
    Can I pay for my insurance monthly or annually? This depends on the provider. Many offer flexible payment options.
    如何获得责任保险或法律保护保险? 您可以在线注册或通过保险经纪人注册。通常情况下,您需要提供居住证复印件和个人银行账户信息。
    How can I get liability or legal protection insurance? You can sign up online or through an insurance broker. Usually, you will need a copy of your residence permit and your bank details.

    More focus on your life

    Germany offers excellent study and work opportunities as well as a high quality of life. However, success often depends on how you approach the challenges of your new life. With my help, you can ensure that your integration into local life after you arrive in Germany goes as smoothly as possible. This allows you to focus more on what is important to you personally – your studies and personal development. I look forward to helping you and giving you a successful start in Germany. Let us work together to ensure that you not only make academic progress, but also achieve professional success and feel just as comfortable here as you do at home!
    您的利益

    BENEFITS

    Fair and transparent Pricing
    • You deserve great value for the long term, not just the fixed term.

     

    100% online
    •  online portal with all the details


     
    Time Saving
    • My personal advice helps you to save time

     

    Expertise
    • I work with experts who will provide you with the best possible support

    我对学生的支持

    提供官僚主义要求方面的支持

    德国的法律制度以其严格的手续和复杂的官僚程序而闻名。无论是登记您的居住地、申请税号、开设银行账户还是购买健康保险,我都会用我的专业知识为您提供帮助。我们将共同克服这些挑战带来的困惑,让您节省时间,避免可能危及您因沟通无效产生的的错误。

    个性化建议和量身定制的解决方案

    每个学生都有各自的需求和目标。因此,我会根据您的具体情况提供个性化的建议。无论您是需要寻找合适的学生公寓、签订手机合同还是学习注册方面的帮助,我都会确保您获得最适合您具体情况的选择。

    文化和语言适应

    到一个新的地方,通常会面临社会和文化各个方面的挑战。我将帮助您了解德国文化,以切合实际的期望开始您的日常生活,并避免常见的误解。我还将帮助您提高语言技能,促进日常交流,让您尽快适应新环境。有效融入到当地的生活中去。

    be passionate.