Construction financing - what can we afford?

2016-06-01 22:16:37

- Private health insurance was supplemented by the child contribution (the result of the calculation came by phone today: about €30-40 per child) So I am calculating a total of €40.

Then why do we pay €160 per child (minimum rate)??? Presumably, exactly such idiots on the phone gave you this information, who told me at AOK and my private health insurance that in case of illness AOK (statutory) covers the costs? In practice, however, it is like this: Neither of the two insurances pays if my wife stays at home with a sick child. In other words: 0 income. 100% loss of my wife’s income for every day the child is home (sick).

About €900 vaccination costs in the first year of life, which the private health insurance also did not pay (despite €160 monthly!).

Private health insurance is soooo great!!!

2016-06-01 22:19:10

Quote: "If we actually receive child benefit payments or tax refunds in practice, these (under the new model also the child benefit) will without exception be used exclusively for the repayment of the loan."

Huh? And the costs for the child??? I don't understand...

2016-06-01 22:40:52

Why do we then pay 160 EUR per child (minimum rate)??? Presumably, it was exactly such idiots on the phone who gave you this information, the same ones who told me at AOK and my private health insurance that in case of illness, AOK (statutory) bears the costs? In practice, however, it is like this: Neither of the two insurances pays if my wife stays home with a sick child. In other words: zero income. 100% loss of my wife's income on every day the child is home (sick).

About 900 EUR vaccination costs in the first year of life, which the private health insurance also did not pay (despite 160 EUR monthly!).

The private health insurance is sooo great!!!

Sorry, at 160€/month for one child, it is a premium tariff or something was wrongly concluded. My private health insurance pays for all vaccinations and preventive care without a deductible. The rest first deductible, then the company.

2016-06-01 22:41:21

Then why do we pay 160 EUR per child (minimum rate)??? Presumably, it was exactly such idiots on the phone who gave you this information, the same ones who at AOK and my private health insurance told me that in case of illness, AOK (statutory) covers the costs? In practice, however, it is like this: Neither of the two insurers pays when my wife stays at home sick with the child. In other words: 0 income. 100% loss of my wife's income on every day the child is at home (sick).

About 900 EUR vaccination costs in the first year of life which the private health insurance also did not pay (despite 160 EUR monthly!).

Private health insurance is just soooo great!!!

It maybe depends on the type of private health insurance. As a civil servant, you receive a partial subsidy from the aid system, so you only have to insure, for example, 50% plus aid supplement, and then with contributions around 100 Euro per child you really have everything covered, including vaccinations all inclusive.

2016-06-02 06:54:45

As a civil servant, the aid increases from 50% to 70% when you have children.

This almost compensates for the higher costs for the child.

The employer also continues to pay the salary normally for child sick days.

2016-06-02 06:55:42

But there are only a few of those per year.

Construction financing - what can we afford?

Steffen80

Steffen80

HilfeHilfe

Saruss

nms_hs

Saruss