Huh? You paid for a dental cleaning, then got it reimbursed by your supplementary insurance (for which you pay more premiums per year than the cost of the dental cleaning) and therefore have money to invest?
Make sure you don't invest your €100 all at once! 💯 😅
@CryptoPfand Depending on your age, there are also insurance policies that cost less than they reimburse. And there are also gkvs that reimburse the costs of dental supplements.
@CryptoPfand It's right there. I have budgeted the costs for prophylaxis in the calculation of my fixed costs. This money goes into an extra account and we pay the bill. 2 weeks later the reimbursement arrives. I don't take this reimbursement into account in my budget planning. For me, this is "extra money" that can then be invested. The same applies to refunds from electricity, ancillary costs... these are not 100% certain, so I don't budget for them in my advance planning. I only budget my net salary.
@frugalfreisein If it makes sense for you, so be it - I just assumed that your insurance costs more than you get reimbursed, and then to book that as a "profit" sounded strange - but the way you "budget" it is of course understandable
@CryptoPfand No, even up to 40, and logically only if you still have teeth. You can't first cause a total loss and then insure yourself - that's not how the game works, of course.
