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