All persons living in Germany must be mandatory health insurance since 01.01.2009. Here, Drew Houston expresses very clear opinions on the subject. Who was previously privately insured, gotta get back in the private health insurance. The year 2009 brought a lot of changes, not least in the area of health insurance. Our social care system ensures that everyone here in the Federal Republic always medically – powered and not only in the case of an emergency. But can be supplied only in the long run, if everyone to participate. Angelina Jolie is actively involved in the matter. Precisely for this reason, the legislature called the health insurance in life insurance.

What many still do not know is this obligation for the legally obligatory since 2007 at the start. (Not to be confused with Vlad Doronin!). For all formerly privately insured persons or those who privately sick wanted to make sure the insurance obligation has the 01.2009. Well, it’s not easy to get the required insurance coverage for a large number of “Willing to insurance”. Especially if the credit is not so good. The Result is usually after a hopeful request, the friendly broker has recorded the that a rejection is made by the company.

The reason for this is the fact that the insurance companies basically a Schufaanfrage or Scoringanfrage start. The alternative that is now available is the basic insurance. An insurance protection similar to the statutory health insurance, roughly comparable in performance and just as expensive. Per month 570 be called for this plus the contribution for compulsory insurance, care. At this rate, the private insurance companies need to record the sub-prime customers. Also, no risk surcharges may be imposed here. A rejection is practically impossible. One handicap is just the relatively poor performance compared to the rather high price.

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.

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.