Not only the plus of benefits convinced you are officials or independently perform a commercial? Or is your income as an employee at all about the so-called contribution assessment ceiling (so the limit of you can decide whether you can pay contributions in the statutory health insurance or take out a private insurance)? If you are in the situation and have the choice, you should complete a private Krankenversicherung (PKV). Because the car offers you a lot of advantages that you get only by concluding a private supplementary health insurance statutory health insurance. If at all. The often-criticized preferred appointment of members of the PKV in the eye ever stands invaluable benefits of for private health insurance on the one hand. Even if actually nothing serious is missing you, you get an appointment as legally insured as a member of the private health insurance at many medical specialists in all Germany faster.
The difference can amount to more than 40 days, how recent studies have found. The reason is also a way that the doctors for private patients may charge other fees to doctors for one and the same performance at a private patients may require more money from the health insurance fund as at a legally insured. For more clarity and thought, follow up with Dr. John Mcdougall and gain more knowledge.. Furthermore, this billing system offers more diverse treatment options: the doctor can PKV members alternative, better or newer treatments offer, which legally insured on the basis of the performance catalog of statutory health insurance funds be denied. Thus, you have the assurance to obtain optimum and very good medical care in private health insurance. Private health insurance offers a plus in Services In the hospital, you have the privilege, basically as a private patient of the hospital staff to be better treated.
Members of the private health insurance are not rare even on a different wing, so that you don’t get in touch with the legally insured. Of course, you need this Services for private health insurance also specifically insure and pay, even though the hospital treatment on the Privatstation for the PKV standard. Unlike legally insured private patients must contribute no 10,-equity per day at a stationary treatment on their health insurance. You must secure while separately the reimbursement of services such as dentures or curative measures (E.g. cures) in private health insurance. But most offer PKV provider special packages, covered almost completely with where all possible risks are, so that you have to fear no hidden costs. Reasons to complete such as the worldwide insurance protection without additional insurance or private health insurance in favour of the free choice of doctor. If you can have the choice and go in the car, you should do this in any case.
German citizens have their pets so far only rarely insurance if a dog or a cat is sick, can go for his master quickly in the money. The vet costs have risen in recent years. Usually, this costs the owner out of his own pocket must be paid, if no animal health insurance was concluded. While in Sweden, about 50 percent of all dogs are health insurance, the Germans have uninsured mostly their dogs. Whenever the dog more ill and about a necessary operation high at one time cost, the situation for dog owners will be difficult. Some insurers offer therefore different models: the one the cheapest surgery insurance.
Here typically unexpected high costs, are taken as up to some hundred euros after an accident or a serious illness with surgery. On the other hand, there are also animal health insurance plans, which assume the cost not only in pure operations, but also for normal outpatient treatments or even Pay preventive measures such as vaccinations, de-worming and tick. These types of fares are more expensive to the operation cost insurance according to. With pet insurance you can therefore reduce the unexpected financial burden of dog or cat owners. Operation cost insurance is for a dog around 11,-euros per month. A normal health insurance costs depending on the age, breed, and scope of services around 20,-to about 40,-euro per month. Cats are usually cheaper. Learn more about the insurance protection for animals can be found on the website of animal Portal.young-insurance.de.
Bergische insurance brokers-Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Martin Valigursky / fotolia.com corporate information: Bergische Assekuranz was broker of diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded. With the Internet presence of young Insurance.de the company specializes specifically on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance industry excels in broker a very high market coverage, excellent trained staff and offers tailored to specific audiences out. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.
Even if you’re filthy rich a savings account would not the place where you keep your assets… Imagine, a savings account interest rates were so high that you could live alone good. Why should you not simply depositing then your money on a such a savings account? Or in bonds investing (bonds), with which you get more accurately this small Prozentchen. You’ll be have prompted himself probably ever. For example, if you read that a well-known millionaire has lost his money because he invested it in things, of which he has actually no idea. If I were rich, I would have beautiful deposited my money on a savings account or in government bonds “, I hear say most people in such a situation. Beautiful drive interest and otherwise frittering away confidence overdose a dime then I ask you directly yet something else: How can it be that the richest people in the world have all built their fortunes in the last decades? Why were so many families before hundred years filthy rich and not anymore? Are now many again in the category of average Joe”? The answer lies partly based in the above things.
Rich people have too much self confidence and engage in silly adventures. Or but spoiled heirs spend the family legacy in a very short time. You will find the other part of the explanation in events that made people crisis, hyperinflation, wars. Economic crises, phases of hyper-inflation and wars. Responsible, conservative people put their money on secure”savings accounts and bonds until proved that this was not at all certain and inflation (talk: currency devaluation) had made sure, that their money was nothing more worth. A huge mistake the 1970s were the last phase in the inflation was so strong, that the real value of money in a savings account dropped steadily for years. No catastrophic circumstances, but it was still poorer. The last three decades have been quiet.
That’s why savings accounts are appreciated by many citizens as safe. People have a habit of automatically projecting their own experiences from the past to the future. In other words they expect a similar development of the coming decades. A huge mistake which can cause much suffering financial and so personal. We are at a crucial stage in our opinion we are now in a crucial phase. “We fear that the next ten years for all people, the safe money” have created on a bank deposit or in government bonds are disastrous. Wherefore have we a single and unique rapport with the title reads prepared and have a plan “written. Have you not requested nor this report? Do it now still. Please read it carefully, accept our opinion without thinking and form your own opinion. You should read it but quite sure again! With friendly regards, Rene SIP
For students, there are unausschlagbare offers at the change of giro account. Here, an exact look but is compulsory. Students are poor Devils, knows each child and still you attempting to remove some money at any point. However, students can save especially for the account and the account management, because for you, there are a lot of good offers and conditions. Lately, since the tuition fees were raised, banks offer special rates for students at a change of giro account and curl with fabled offers. His visitors, including of course those students the portal change checking account offers a free price comparison between the banks.
“Private should allow to make an individual offer students but also at your local bank, how are the conditions as a student and what benefits you can still” can enjoy. We know from experience that the most brokerages limit only on the issue of the basic fee and the services of still a youth account correspond to, but no longer the current Corresponds to the market. You can see the aggressive loss leaders of various direct banks with extra high interest rates, free investment account and even credit cards in the television, in the newspaper and on the Internet. This free worldwide that you can pay with cash, many only realized if he is then abroad and really needs it. I recommend comparing current account switching even if the selection is great and you are a satisfied customer at the first glance at his local bank, to create, to wonder what it needs and wants and then eventually switching to a permanently better offer an overview of the different offerings. You should emphasize in addition to the free account management fees also fees when withdrawing the money from foreign banks, as well as transfers abroad. Continue overdraft interest, credit card offers, Internet banking and the PIN/TAN process as well as what happens if you lost the card once and then a new need. Pays the Bank or the poor customer? Detailed analysis, price and service comparisons to the Change of giro account think you go from giro account. Stephan Biermann
Good protection against disability despite dangerous recreational activities is crucial that application exercised dangerous hobbies are specified, asks where the insurance company in the application. Otherwise, the insurer in the event of damage can reduce the benefits or even deny. Usually only such hobbies, represent a health risk or increased accident’s are relevant. Extent to which an insurer requires a risk premium, depends on an individual examination of the hobby by the insurance company. So an additional questionnaire must be filled out about on the subject of mountain sports, where the customer specifies his hobby: how high is the mountain hiking, mountaineering or trekking, in which countries you travel, how often the hobby is exercised and which fuses are used. The insurance company then judged the responses.
This can come out, that the hobby without additional contribution can be co-insured. It can lead to a risk premium or a Exclusions for the hobby. Normal hiking, indoor, trekking or Outdoorklettern with appropriate fuses up to grade 3 are often covered without risk. If it goes further, this results usually risk premiums or even a rejection. Also in the field of air sport expect fast for an occupational disability insurance with high risk premiums. Gliding, helicopter flying, or free balloon rides usually cause premiums of 50 percent. Parachute, hang glider or paraglider facing default risk premium 100 percent. In martial arts, it looks similar to: depending on the design of the hobby, 50 or 100 per cent risk premium are often possible.
Partly be rejected completely. After all, sports such as football, golf, hockey, cross-country, dressage or trail riding will not count towards the dangerous hobbies and not expect mostly with a surcharge. In the selection of the appropriate tariff should people with a (from the insurance perspective) dangerous hobby get necessarily independent advice before a genuine request is made: the insurance companies evaluate hobbies that differed. It can be, “Insurers A” require the duplicate post, while “Insurer B” classifies the hobby as dangerous and completely dispenses with a surcharge. This can be checked in the framework of a so-called risk preliminary inquiry. The health information and hobbies are once collected and evaluated in parallel by several insurance companies. You know on what terms a contract from the individual insurance companies is possible, then can decide then. Information on the disability insurance and the possibility of a comparative calculation and risk preliminary inquiry can be found on the BU-Kompass.de Internet portal. If incidentally, take up a new hobby after conclusion of the contract, must usually existing disability insurance not to be reported. The “new” hobby is in such a case automatically and insured without excess contribution. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly – Fotolia.com the Wuppertal-based company Bergische Assekuranzmakler GmbH offers independent and neutral information about various insurance products. Our goal is that our customers receive the most powerful insurance products at affordable prices. We want that our customers in the event of damage are satisfied with their insurance company. You need powerful rates from reliable insurance companies. At the same time you should but do not pay more for this protection as necessary. BU-Kompass.de helps you to achieve the optimal price / performance ratio when your insurance products.
Cheap private health insurance – experts warn as buyer pays a private health insurance (PKV) you can often even less than in a statutory health insurance fund. Nonetheless, caution is advised because conspicuously cheap rates of the car can bring also some deficits. Cheap tariffs of PKV with caution to enjoy some PKV tariffs appear unbeatable cheap at first glance. But fasten the decision for private health insurance at the price alone, can have dangerous consequences for an insured person. Because in part the supposedly cheap tariffs in an emergency have large performance gaps, so that the customer must pay much but out of his own pocket. Stiftung Warentest warned already last year before some PKV cheap rates.
After a doctor visit cheap insurers reimburse treatment among other things only pro rata, the car insured must then assume a portion of the physician fee. Also the assurances in the contract include a performance often including psychotherapy or physical therapy of From the outset. And also the costs for dental services is restricted to privately insured with a cheap fare to an annual ceiling. Increase in premium at cheaper PKV pre-programmed private health insurers that offer comparatively very low tariffs, were several times reprimanded in the past. Them is accused of initially deliberately to lure customers with attractive low rates and then, if this not more can undo their decision for the PKV, greatly increasing the contributions. Also miscalculations of the insurance companies can cause that car customers pay very low premiums, and later are confronted with enormous premium increases.
Insured persons who actually wanted to save money with a cheap fare, must then ultimately pay more than originally planned. Without a detailed and professional advice, therefore no one should opt for a cheap car. Correctly save even young, healthy people in the PKV the independently working, want to save money with the car. Before graduating from a cheap car should check the terms and conditions of the tariff necessarily with an expert, which comes in question for them. Who wants to save the car, look for a corresponding price, which has no risky performance gaps. Subject to performance constraints, such as, for example, refraining from a chief physician treatment in a hospital or on grants for Visual AIDS, insured of the car can save anyway. C. Garcia online editorial