Facing a €17 billion deficit, Germany's public health insurance (GKV) system is under pressure. Economist Bernd Raffelhüschen proposes a radical solution: annual deductibles up to €2,000 for patients. Explore this controversial cost-control model, its potential impact on premiums, and how it compares to high-deductible health plans (HDHPs) in the US private insurance market.…

Are you overinsured? Many common policies are unnecessary and drain your budget. Our insurance check reveals which 8 coverages you can likely cancel today, from redundant travel insurance to overpriced life policies, helping you optimize protection and save.…

Economist Bernd Raffelhüschen proposes a €2000 deductible for German public health insurance (GKV) patients. While promoting self-responsibility, this model risks creating a 'nanny state' that penalizes lifestyle choices. We analyze the proposal's flaws, bureaucracy, and real systemic issues.…

Discover how Markus Eisenhut, the 'FinanzMensch,' builds a thriving financial advisory practice specializing in farmers and sustainability. Learn his unique marketing tactics using cinema ads and farm fences, his 'centuries-old' referral strategy, and his holistic three-pillar approach to sustainable financial planning. Essential listening for advisors seeking niche success.…

Workplace absenteeism due to mental health conditions like depression, anxiety, and burnout hit a new record high last year, marking the fourth consecutive year of increases. There were 301 absence days per 100 employees, a 48% rise over the past decade. Young professionals saw the sharpest increase. This analysis, based on data from 2.4 million insured individuals, highlights a growing crisis with significant implications for employers, health insurance, and disability coverage.…

The new German foundation law introduces uniform federal rules and a central register. Learn about key changes for asset management, the Business Judgement Rule for trustees, and opportunities for financial advisors.…