Travel Medical Insurance Contracts For Germany


Travel Medical InsuranceGetting a travel medical insurance for Germany

Are you planning to visit Germany? Whatever your reasons for traveling to this destination might be, there are some important things that you need to arrange before your trip. Having a proper travel medical insurance is one of those things. Costs for treatments can get really high when you are abroad. You might end up losing a big part of your travel budget if you are not properly covered.

Travelling provides you with a lot of surprises but a high medical bill is not the surprise you want to encounter. Make sure that you stay healthy and that all your medical expenses will be covered. In this article, I will explain more about the insurance requirements for a trip to Germany.

What is a travel medical insurance?

When you travel to Germany, you have the obligation to protect yourself against medical costs. In Germany, you can choose between two health care systems. The first one is the compulsory system, which is a basic package for everyone. The other option is a private contract, which covers the costs of the individual.

Why you need it

You might need medical attention when you get sick or when you get an accident. Being insured means that you are financially covered in the case of these problems. You need to choose an offer that matches the reason for your visit to Germany. A person who comes to Germany for work needs to comply to different requirements than someone who visits the country as a tourist or a student.


The major benefit of being properly insured is that you don’t have to worry about any possible medical costs. Whenever something happens, you can focus on recovering instead of having to deal with high bills. Another benefit is the extra support that you get from your insurance company. This could mean that you can use their 24/7 telephone service in case of emergencies, or that you can ask them to arrange an evacuation.

The costs

Costs for insurance contracts differ. It depends on what you want to cover and for what reason you stay in Germany. Obviously, activities which involve high risks like dangerous jobs or adventurous vacations will cost more to cover. It also depends on which health care system you choose. The costs for the compulsory policy are based on a person’s income, while the costs for a private policy are based on health and age.

Where to get it 

One easy way to get a travel medical insurance for Germany is by applying online. Various companies offer affordable packages. By using the internet, you can conveniently choose a contract which suits your needs. Another option is to contact your current health insurance company and ask if you can add a travel package that matches the requirements for a journey to Germany.

Be prepared

Remember that a healthy traveler is a wealthy traveler. If you are careful and you take good care of yourself then you might not have to deal with potential health problems and costs, which of course is the most ideal situation. However, it is always good to be prepared for worst case scenarios.

Did you ever visit Germany? How did you find your ideal travel insurance contract for this country?

Useful links

  • This useful site provides independent insurance advice to travelers who want to visit Germany. You can use Covomo to compare insurers and their tariffs. You can also read a lot of general information about the particular insurance requirements for a visit to Germany.
  • Brain Dump: Health Insurance in Germany: A while ago, I stumbled up on this very informative article from blogger Andrew Couch. He is an expat living in Germany. In this article, he talks about Germany’s health care system.
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How To Save Money By Being A Healthy Traveler


Learn how to save money by eating healthy food.Learn how to save money by living healthy

As a traveler you probably maintain a budget. In order to keep this budget healthy you have to make sure that you stay healthy yourself. Unexpected high medical bills could really ruin a trip. Try to prevent these bills by taking good care of your body. These tips will teach you how to save money by being a healthy traveler.


You burn a lot of energy when you are digesting food. Try to fast frequently, preferably once a week. When you fast your body does not have to spend energy on digesting. Instead it can use that energy on unfinished maintenance work. Give your body that opportunity. I plan my fasting days on the moon calendar. The moon can help to cleanse the body, especially during certain moon phases like full moon or half moon.

When you fast, you will not only boost your health but you will also save money, because you do not have to spend it on food. I recommend you choose an easy day, at which you do not have to do much physical or stressful activities, like work, relocating, sightseeing or meeting people. Choose a day at which you can stay at home and relax.

Avoid unnecessary junk food

Society has made us consuming slaves. We constantly buy and eat foods which we do not really need. You want to be in it for the long run? Then keep away from the chocolates, the cookies, the chips and all those other unnecessary junk foods. You do not really need those products and you will save money when you are not buying them.

Eat and drink in moderation

Besides fasting I also believe a person should eat and drink in moderation. Eat moderate meals and stop before you feel completely full. Do not eat keep eating all day long but eat at regular scheduled times. Only eat a few times a day, and stop eating at least four hours before you go to bed. This will allow your body to digest the food while you are still awake.

Digesting food during your sleep seems to be very unhealthy. Your body is burning energy because it needs to digest the food, but actually it needs to rest. This can make you feel tired even though you had a long sleep, By eating in moderation you also save a lot of money. Eat three meals a day with in between 3 small healthy snacks, like apples, nuts and seeds.

Treat your body like a temple

It is very important that you maintain a healthy lifestyle when you are going to travel for a long time. Take good care of your body. Brush and stoke your teeth carefully, eat and drink healthy products and exercise regularly. Also make sure that you protect yourself against tropical diseases if you go to tropical countries.

A high dentist or hospital bill could unexpectedly take a big chunk out of your travel budget. Try to prevent problems instead of resolving them. Medical care might be the biggest unexpected cost that you encounter on you travels. Therefore it is very important that you treat your body as a temple.

These thoughts are my own

My health tips are not only for travelers but also for people who just want to maintain a healthy lifestyle back home. These described health tips are my own thoughts and opinions, based on my own experiences. It could be that they benefit you but it could also not be. Take my tips as a starting point and then seek contact with health professionals. They can help you create personal eating, fasting and exercise methods.

Do you treat your body like a temple? How do you maintain a healthy lifestyle and budget? 

Useful links

  • On this site you find more information about the moon. A particiulair section describes the moon diet. In this section you learn more about fasting in combination with certain moon phases, and the cleansing effect this can have on the body.
  • why-not-treat-your-body-like-temple: There are many ways how you can treat your body like a temple. Blogger Shannon Ables describes a few methods in her post on which I agree.
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5 ways to protect yourself from dog attacks

5 ways to get rid of dogs.5 ways to get rid of dogs

As a frequent traveler you eventually find stray dogs and watch dogs on your path. There is no way to avoid them. They can act aggressive when you are jogging, cycling or walking. Encounters with aggressive animals can be very stressful and scary. They can be vicious, and they can carry dangerous deceases. Be prepared on dangerous encounters. If necessary you can try the following methods to safe yourself.

1. Ultrasonic noise

This is one of my favorite methods for protection against dog attacks. Ultrasonic dog stop devices will produce an ultrasonic sound, which will scare your attackers away. This device is especially useful if you are surrounded by many dogs. You can get rid of them all at once, and you do not have to hurt them to get away. People will not hear the ultrasonic sound.

2. Food

If you know you will visit a place where dogs are roaming around, you can prepare yourself by having some (dog) food in your jacket. These animals seem to love foods like yogurt and meet. Distracted them by trowing the food on the ground and try to sneak away in the other direction, if they go for the distraction.

3. Spraying

Only use this method when the dogs are at the point of attacking, and you really have no other choice to defend yourself. Use any spray you might have in your bag ( hairspray, deodorant, pepper spray etc.) and spray toward the eyes. The pain and strong smell can distract the attacker, so that you have some time to escape.

4. Sticks and stones

It might be useful to carry a stick if you go out for a long walk. This stick can support you while walking but it can also defend you from aggressive attackers. Swing the stick towards them when they approach you. Shout at them while you swing the stick. This might scare them off. You can also put some stones in your pockets, which you can trow at them.

5. Run for your life

If you can not think of anything else to do then you can always try to make a run for it. Make sure you run towards an obstacle for the dogs. Otherwise they might outrun you. Try to run towards a high object like a car or a tree, or run towards some traffic. The noise and the movement can cause a distraction.

Did you ever had an encounter with vicious animals? What kind of method did you use to get rid of them? 


7 things you don’t want to know about Thailand


Thailand7 things about Thailand that might upset you

By now means I want to create a negative image about Thailand. It really is one of my favorite countries, but like every country it has some flaws as well. This article describes some of those flaws. Some facts are horrible, some are annoying, and some can actually be funny when you have the right mindset.

Make sure you prepare yourself for some horrible facts before you plan a trip to Thailand. it is better to not be negatively surprised while you visit this country, even though you might just want to close your eyes from some facts, and pretend you don’t want to know. Here is a list of 7 things you don’t want to know about Thailand. Do you..?

1. (Stray) dogs

Dogs where one of the reasons why I did not enjoyed the Northern part of the country O well, maybe it was more the lack of decent fences that where supposed to keep the dogs inside. I remember walking down a street in Lopburi once, every step I took seemed to alarm a new dog. Those monsters where surrounding me with a terrifying barking symphony, and there was still so much road to go.

Even though it was hot, the whole experience gave me the shivers. Those small pieces of wood that where pretending to be a fence would most likely not hold even the smallest dog. I was constantly expecting to see one of those monsters doing a horse jump over the fence. Now that is not a nice situation when you are walking with a heavy backpack. In fact it is never a nice situation.

2. bugs

Do you have an apartment in Bangkok? You would probably not like to know is what going on behind those walls in your nice apartment. Those of you who have been following me on Facebook, must have seen regular updates of my ongoing war with the bugs in my room. Luckily it seems quiet on the front recently. Maybe due to the compulsive cleaning regime of my girlfriend Dianna. Thank you honey. 🙂

Most of the times I am on a war with ants. Which proof to be annoying as well as fascinating insects. They seem to be very useful as natures vacuum cleaner. However, if your are not fond of invasions, then I do advice you do not leave food residues in your house. They will come after it with military precision and dedication.

3. Violence

Thailand might look like the perfect holiday destination. Friendly Thai people, lovely beaches, peaceful temples and a cheerful nightlife scene. However realize that it ain’t all sunshine, zen and rainbows. I am sure that most of you guys have heard of the ongoing battle with political protesters in Bangkok. There are also constant bombings and fights in the south of the country, and occasionally there are problems at the border regions of Cambodia as well.

You might not notice it as a tourist but the use of violence is common in Thailand, and not only on a large (political) scale. There are many weird and sometimes horrible stories of tourists and expats who encounter bad tempered Thais. Believe me a bad tempered Thai can mean serious trouble if you push it to far. For the sake of your own health, swallow your pride and just walk away.

4. Exploitation of children

For those of you who travel to Thailand because of its infamous adult industry. Please be aware. The girls could be under aged. Sometimes they are even really young children. The country enforces strict punishments against people who exploit children. Sadly enough, there are still many crazy criminals who seem to think that it is normal to ruin children’s lives.

5. Scams

Be aware of scams, especially in big cities like Bangkok. There are a lot of different scams. Some of them are more bad then others, but they are always annoying. Some are easy to avoid but sometimes you get tricked even though you are on your guard. To make you feel a little bit at ease, you will most likely be charmed out of your money instead of being negatively harassed.

There are various ways to get scammed, but there are also various ways to avoid scams. Trust your intuition, especially in touristic places. When you visit these places it is better that you ignore people who approach you on the street. Most of the time they want something from you. Luckily people seem to be more genuine in non touristic places. There are a lot of locals who are helpful, without wanting your money.

6. Criminality

Violence, (child) exploitation and scams are often practiced by criminals. Examples of places with a lot of organized crime are Phuket and Pattaya. In general you don’t have to worry of encountering any criminals. However, some of them are involved in touristic services like jet ski rentals and night live entertainment. Be careful not to upset criminals. Making a normal Thai angry is bad, but upsetting a Thai criminal can be especially unhealthy.

7. Rude behavior (land of the smiles?)

People talk about Thailand being the land of the smiles. However, sometimes you don’t want to know what is behind those smiles. The following sentence are occasionally spoken by Thai speaking people who accompany me on walks: “omg did you understand what those people just said about us.. so rude!” Sometimes I get an explanation at which point I feel the urge to turn around and make a fuss about it.

Learning a new language is great. However it  can be difficult to stay calm if you understand what is really being said to you. The worst thing is that they often do it with a smile on their face. When you approach them they might think or say that you are but ugly and a complete loser. However, you could end up walking away while thanking them and thinking: ow those where such friendly people.

What kind of experiences in Thailand would you prefer to have erased from your memory?


5 Reasons Why You Should Avoid Bangkok At Daytime

Traffic jams are one of the 5 reasons why you should avoid Bangkok during daytime.Bangkok has a lot to offer during daytime. However there are enough reasons why you should avoid this city during the day. While living there I always prefer to leave my hole after sunset, or before sunrise. In this article I will explain the main reasons that make Bangkok so unpleasant at daytime.

1. Traffic jams

Bangkok is famous for its traffic jams.Trying to take a taxi is a bad mistake during the rush hours in the morning and early evening. The city is crowded with cars,buses, motorcycles, trucks and tuck tucks, all fighting for a tiny spot, while they slide along the road, as if being in a snail race competition. Of course a lot of traffic is accompanied with health issues, which brings me to the next problem.

2. Air Poluttion

A lot of traffic means a lot of noise and air pollution. The motorized vehicles cough up nasty clouds of exhaust fumes. The factories also join in the party and so do the street cooks, who send large clouds of burned chicken and pork fumes into the sky. A lot of people are wearing protection masks while being outside. Not a bad idea when you stay in Bangkok for a longer period.

I doubt if there are much rules and regulations about things like diesel filters and toxic pollution concentrations. I can inform you with facts and numbers about the exact concentrations, but maybe its better if you don’t know. As a Bangkok expat you might get worried a lot. To make matters worse, pollution is even extra unhealthy when it is combined with heat. Which brings me to the next topic.

3. The heat

Bangkok is often recognized as the hottest city in the world. Is this really true? I could not honestly tell you, as I did not visit all cities in the world yet. However based on my experiences with Bangkok, I can definitely say it is often sticky icky hot in this city.

The problem is the humidity, which, in combination with the sun, makes you boil in your own sweat. The sun will blaze and the humidity will drain your juices away. Other people sweat as well when it is hot, which makes it extra inconvenient when you smooch with them in crowded places. And there are many of those during the daytime.

4. Crowds of people

Crowds of people are the cherry on the pie when it comes to daytime disaster in Bangkok. I recently decided to go to the Grand Palace. A famous destination in Bangkok. I bought sunscreen and went out into the heat. Then I took the sky train which transported me like a sardine in a can. After leaving the sky train I had to take the boat.

My hopes of loosing the crowd vanished when I arrived at the boat. It was also filled to full capacity. It is part of the game of course but it was just not something i enjoyed. Especially because the way back was exactly the same. I don’t like to shower my head in tourist armpits, or belly smooch with them. Situations like this always make me crave for the calm night.

5. Night live

Bangkok is a huge city and there are many things to do during the daytime. However I personally feel this city gets more interesting at night. Visit the sky bars and marvel at the sea of lights. Dance till the early morning in one of the many clubs. Go to the river to see the beautiful light decorated boats and temples or stroll around at the large night markets, without being bothered by the daytime heat.

Bangkok is a busy city and is, in my opinion, much more enjoyable when it calms down. Then it really shows it charm. Besides that, It is much more easy to get around by night because you avoid the traffic. Do you prefer the morning? Then try to join the early birds. A lot of Thai are already active at 5 AM. There is reason why they do this, and now you know why.

Tips to survive Bangkok during the day

So you are an optimistic tourist and you decide to ignore my advice.
Here are some more tips which you can follow, if you go out during the day.

  • Make sure you drink a lot of water. Obvious of course, but many people underestimate how quickly you can overhead and get dehydrated.
  • Use sunscreen. Also obvious but yes many people also underestimate how quick there skin can get fried. The sun in Bangkok is very strong
  • If you don’t mind being packed like a sardine then you can use the many boats or the ever expanding sky train and subway systems, to avoid being stuck in a traffic jam.
  • If you plan on doing some daytime sightseeing then I recommend visiting Bangkok in the relatively cold weeks during December and January. Around that time the temperature is really nice. However, the Thai will think differently and wrap themselves in warm sweaters, even though the temperature is often around a nicely 20 degrees.
  • There are many sightseeing options which are inside. By visiting those places you avoid the heat outside. There is a reason why this city is full of giant shopping malls. They serve as rescue centers for the Thai to escape the heat. Although then you have to deal with the freezing cold of air conditioners.
  • Did you ever go to Bangkok? How was your stay? Did you experienced any of the described problems?