Which of you has disability insurance?

House + living expenses (food, clothes, etc.) + additional costs (everything! including mobile phone, internet, taxes, etc...) all inclusive with €2000 per month.

Including taxes? How do you manage that? Do you mean with "etc." even social contributions? That would indeed be something.

I don't think that's little, but it's also not clear to me what is meant by taxes etc. We come to a similar amount overall, but taxes etc. that are directly deducted from the salary excluded; otherwise everything is included except special purchases (e.g. garden house, washing machine or something like that).

I also have a disability insurance, very affordable, because it is through the employer.

: What does "very favorable" mean in numbers? Can you take over yourself if you change employers? And if so, would a (new) health check be required?

: What does "very favorable" mean in numbers? Could you take over the policy yourself if you were to change your employer? And if so, would a (new) health examination be necessary?

Very favorable means that for an annual premium of 300 euros, I receive over 3,000 euros per quarter if something happens, which I hope it doesn’t. And I can keep it if I change my employer.

That is really incredibly cheap. May I ask what you do for a living, or in which industry? Mattress test subject, or something like that?