It is compulsory to take out health insurance in Germany. This oldest health insurance system in the world goes back to the former Reich Chancellor Otto von Bismarck in 1883. This means that every person living in Germany is insured in the event of illness. Of course, this system offers great advantages, as no one is driven into financial ruin by illness. US citizens, for example, can only dream of this.

This article offers useful information and shows you which health insurance is the right one for you. It also shows the different forms of health insurance and their advantages and disadvantages

Read Blog: Top Health Insurance Companies in 2018

The statutory health insurance

The statutory health insurances offer only basic protection. And it is precise with this basic protection that more and more health insurance benefits have been restricted in recent years. The statutory health insurance funds emphasize that this is necessary in order not to increase the contributions immeasurably. The monthly health insurance contribution depends on the income of the insured person.

One advantage of statutory health insurance is that the monthly contributions for pensioners are manageable. And for families, there is the family insurance, in which the spouse, as well as the existing children, are also insured.

However, statutory health insurance also has a disadvantage. Doctors earn rather little from patients who have health insurance so that private patients are still given preferential treatment here.

Read Blog: 7 Tips To Select Health Insurance Plans For Family

Private health insurance

Compared to the statutory health insurances, private health insurances offer some advantages. For higher-income employees and the self-employed, private health insurance is cheaper than voluntary membership of the statutory health insurance (SHI). Dental costs are a classic example.

Oral hygiene is extremely important for the preservation of the teeth and this also includes professional tooth cleaning. However, such dental cleaning is not covered by the statutory health insurance because such treatment is not considered necessary.

Also for dental prostheses, which are particularly important for pensioners, the statutory health insurance only covers a small part (the so-called lump sum), while private health insurance covers the costs up to 100%.

Private patients also have the advantage of being able to choose a doctor who mainly treats private patients. This considerably increases the choice of doctors available.

Read Blog: Health Insurance: Its Benefits and Types

Finding the best private health insurance – but how?

The range of insurance, including health insurance, is so diverse that it is difficult for many people to understand. If you are looking for private health insurance, you should research the web very carefully first.

It makes sense to compare the different offers. Here a PHI calculator can be a good help. Such a PHI calculator is offered for example on the website www.pkv-rechner-1a.de.

If you use such a portal, you will surely find the best offer for your individual needs. In addition to relevant advice, there is also a tipster commission as a special incentive. It’s definitely worth comparing.

Do you know that red wine is a heart-healthy drink? Medical experts might not encourage you to drink red wine if there was a family history of alcohol abuse in the past. Studies and research conducted by modern Universities across the world have revealed that red wine has a magical ingredient called resveratrol that helps in boosting cardiovascular health and reduces the levels of harmful cholesterol from the body.

Good for mental health as well

A glass of red wine every day helps you to improve mental health as well. There is evidence that a glass of red wine has improved the cognitive ability in people that suffer from depression, Alzheimer’s disease, and other ailments. In the case of Alzheimer’s the damage to the cells is reduced. It also has been seen that regular consumption of red wine reduces depression. However, here again, moderation is the key.Healthcare experts say this does not mean that you indulge yourself in too much red wine daily. You should drink in moderation, and if you have diabetes, it is always prudent to ask your doctor before daily consumption. Generally, red wine is safe for both men and women. The latter is advised to drink one glass of wine daily compared to two glasses of wine for men daily.

Wine can be great gifts as well

Wine is a superpower health drink, and when it comes to your loved ones, you can always give them wine gift sets that are available in the market. You can ask wine merchants to help you choose the right brand. You can also choose wine concierge services that help you get a personalized touch when it comes to wine tasting and selection.

Red wine versus white wine

When it comes to choosing wine, you will find that red wine has several advantages over white wine because it is packed with more vitamins and minerals. However, if you are counting calories, white wine has lesser calories. The differences are however subtle, and you can opt for either white wine or red wine depending upon your preferences and taste.

Red wine is richer in flavor

Red wine is produced from the darker variants of grapes and has a very rich flavor compared to white wine. When you drink wine, make sure you read the label of the bottle first as it is good to know the source of the wine. The experience of drinking wine is more enjoyable when you know your wine. If you are a first-time drinker, make sure that you never fill the wine glass to its brim. Leave some space in the wine glass to swirl the wine around and sniff it before you drink it.

Every wine has a distinct aroma and when you drink wine from its glass, hold the stem so that the heat from your hands do not interfere with the wine’s temperature. You should know how to relish your wine slowly.

Last but not least, make sure that the wine you buy is from a good shop. Wine drinking is an experience that not only makes you healthy but calms the senses as well.

Have you ever noticed that how do you start your morning- snoozing your alarm, missing healthy breakfast and rushing yourself out of the door to be on time for your office? Actually, this type of schedule is not good to follow as it will create chaos for you and your health in the long run. Yes! Just give it a thought once. So, it’s high time to start your morning with a good plan to develop some of the good habits in order to be healthy and fit.

Morning habits actually matter a lot, they help you achieve more. They keep you from thoughtlessly stumbling through your day and make sure you get the most important things done in the right manner.

But then you think, whether you will be able to follow a strict plan each day or not. Yes! It’s difficult but not impossible it’s just that it needs a bit of discipline and you are ready to go.

Here are some of the morning routines that you should start your day with:

1. Give yourself a no screen time for at least 15 minutes after you wake up

via: Mashable

You may be resisted to check your important emails and social media accounts when you are turning off your alarm which you set up on your phone. And then you keep on scrolling for even hours. But are you aware of how much time are you wasting doing that each day? Try to keep your phone away in the morning and try to walk instead.

2. Drink a glass of lemon water daily

via: FirstCry Parenting

Drinking a glass of lukewarm water with freshly squeezed lemon has some great benefits. This is the first thing you should try to do every morning. It not only aids your digestion but also helps you to burn your extra fat.

Drink a glass of it as you wake up and give a gap of at least 30 minutes after drinking this. This might be difficult for caffeine addicts, but trust me once you start following this on a regular basis you would surely love it.

3. Set the goals for the day

via: Sublime Reflection

While stretching in your bed and planning what to wear? You should also try to set some feasible goals for the day, but limit them to three. This might include packing your lunch and deciding not to eat out to save your money, committing yourself to your regular gym or yoga class or something like that. 

4. Stretch a little

via: Yogshakti

Although it’s important, many of you ignore this thing despite knowing its benefit. You should stretch your body at least for 30 minutes or one hour if possible to keep yourself healthy and fit. You can practice some yoga asanas in the park or in your bed if you are too lazy to go out.

5. Meditate

via: Marilyn Denis

Doing meditation every day will make your concentration power more keen and sharp. However, you might find it a bit annoying or boring if you are not in a habit of doing it on a daily basis. Don’t worry, if you are not in a habit of doing meditation, try to develop it as soon as you can to get the benefits.