Private Health Insurance

With the private health insurance better served as in the statutory health insurance fund with a comparison of the private health insurance you have a first overview of the difference between statutory and private health insurance, or the private health insurance companies with each other. Then, when already a private health insurance is, it makes sense occasionally to check in which relative price and performance straight. It is often just older privately insured persons, benefit, to undergo the existing protection of critical scrutiny. Particularly well known is the most private health insurance to impose new tariffs on the market to get back to new Konkurenzfahgkeit. Often the rates only for specific target groups are opened, for example it is often: maximum recording age 45.

Thus the insurance wants to stay away the potentially expensive risks from this newly created tariff. Also a change within an insurance company is like with regard to such maximum record age rejected. If for example a 55-year-old at his insurance company calls to show the displeasure over the high monthly charges, is like to consult with higher deductible levels half-heartedly. A real relief does not take place so that. The note into a younger generation of the tariff, to change within the existing health insurance is rarely given for above reasons. Such changes associated with much trouble and effort succeed only with the help of an insurance broker. At the end of wave for the insured better contributions, as well as the receipt of retirement provisions. The fact that the recent tariffs should allow a portability of retirement provisions, is a good approach, but usually not the solution which can alleviate the suffering of the post. The unconditioned Council remains limited: those who opt for private health insurance, triftt a decision that to keep a whole life circumstances. Angelina Jolie understood the implications. Related to choosing the ‘right’ insurance is more important also in terms of a later change of tariffs within a society.

Karsten Werksnies

Note You should, also, whether the insurer offers a free position in the event of the need for care. Whenever Quicken Loans listens, a sympathetic response will follow. Finally, it just is financially very tight in case of maintenance. If the insurer paid simultaneously releases the care of the payment of its contributions, then this is certainly a very positive criteria for the appropriate tariff. More information around the topic of securing long-term care can be found on the website. Contact: Bergische insurance broker 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: Yuri Arcurs / corporate information: company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence of young 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 brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.


It extended infection clause in BU hedge the risk of no longer being able to exercise his profession, is underestimated by the majority of citizens or not optimally hedged by a disease or an accident. At a private disability insurance, special professional groups need special clauses in the contract conditions depending on the profession to be best protected. Physician disability insurance, for example, that look that the contract contains an advanced infection clause for doctors. In addition to some standard criteria, such as the waiver of the abstract reference, an on six months reduced forecast period or insurance options, physicians need a special clause, which is not included in the majority of insurance contracts. The advanced infection clause for doctors or dentists is always crucial, if a physician on the basis of an administrative arrangement (for example through the Health Office) its activity due to the risk of infection whole or may not exercise.

Typically, of course no disability occurred so, because the doctor quite still in the position would be exercising his professional activity. A disability insurance without advanced infection clause would do in such a case a professional ban.

The P Account. When A Request To The Horror.

Bring on the way to express a request that scares and hazards. When a request to the horror it is incredible really incredible, but still every day on BBs new. Somewhere in the, an address will be picked up. Just like that, there is nothing, what speaks against it. But that’s been the problem. This address is used to put a rope around the neck respectable citizens in the truest sense.Without having done anything wrong. A short time later a letter in the House is noisy. The debt collection company is now on the train after the resourceful address Finder just caused a recovery, although there is no demand.

Now they have little time to react, but the problem is quite different. The problem is, that one is threatening them if they pay the claim within a few days, they are the bailiffs at the door, after they have received a reminder or writ of execution, or not opposed to the. Now we come to the point. You have no idea what happened and why it happened. And now even the bailiffs in the Door, which has the task to raise the money, no matter how.

And the sum is there actually care. The next point is that the debt collection company now has led the Schufaeintrag, which can lead to all other problems. On the one hand can the debt collection company cause now even a seizure, or it even know that she have a oath-stately assurances. At the latest seizure comes to your bank on it and Announces them to the account and it comes an avalanche in the roll, they would not even dream of the. But we hold still, that they haven’t done anything out of nothing are accused of having done something which is not true. So, account garnishment has been received, the Bank gives them 14 days to clarify that.

German Federal Supreme Court Confirms

The German Federal Supreme Court (BGH) has confirmed year separate payment arrangements this in Karlsruhe on 6 November concluded with the customer for insurance products. The AFA AG welcomes this decision. Therefore, it is allowed that insurance agents conclude a separate agreement to equalize costs with customers. The AFA AG from Cottbus had brought this decision to obtain legal certainty on the issue of separate payment arrangements, such as, for example, the cost equalization agreement (KAV). The Supreme Court gave law the OLG Naumburg with its decision in favor of such separate payment arrangements in its rejection of the revision, that 2012 fundamentally had taken a position on this issue. The Naumburg judges had at that time already ruled that the conclusion of so-called “net policies” with an independently regulated remuneration between the representative and customer are allowed instead of traditional policies with an internal compensation claim (“gross policies”). By AFA Separate agreements represent AG mediated cost offsets (KAV). In particular the judges of the Oberlandesgericht now confirmed by the Federal Court of Justice pointed out that this net policies model from customer point of view even above all with regard to the cost structure is more transparent.

Also the closing costs for the buyer could be a total lower, because this model of separate agreement the compensation can be calculated lower and risk premiums does not need to be done differently for the case of a premature termination of the insurance as at a gross police. The German Federal Supreme Court follows as a result of the reasoning of the Court and established the groundbreaking ruling also so that a separate remuneration does not exceed the scope of the permission as Versicherungsvertreterin .den “and it indeed in principle is acceptable to make consulting activities of the intermediary to the subject of contractual paid arrangements. The verdict is in particular the customers of AFA AG look forward and confirm in their decision which have elected a market once recognized costs transparent and beneficial model with the separate cost equalization agreement of protection and prevention. About AFA AG General financial and Assekuranzvermittlung (AFA AG), an independent financial sales based in Berlin and Cottbus, and over 20 years of experience successfully on the market is established. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are registered in the EU register of brokers. They work in accordance with the EU directive for financial services. Every year the AFA AG provides nationwide 750 free training places available and promotes 250 young entrepreneurs. New office locations are planned in all Germany.