Month: March 2018
Geld.de reveals interesting facts about pet insurance animals are rebels within your own four walls. The domestic cat knocks down an old vase, the watchdog bites the Mailman. Such accidents are happening fast. But who will pay in the event of damage? The insurance or have the animal owner even whip out his wallet? The Internet portal geld.de provides useful tips. Generally speaking, that the size of the animal is crucial for the insurance situation.
So are small animals such as birds, rabbits, Guinea Pigs but also cats automatically in liability insurance of family included. However, larger animal pets such as dogs and even horses need insurance, the animal liability insurance specifically. It is appropriate however with his four-legged friend assured and an accident, the insurance company first checks the liability for damages. False claims will be if it has to be fought in court. The insured person is obliged, but manage to pay damages insurance typically costs incurred in the accident. However, the Insurance is only obliged to pay if the respective damage case is a so-called sudden event. If can be so Bello mauled the wallpaper already from the outset and this also proved with photos, for example the insurance to a payment is not required. A basically peaceful domestic cat with the neighbors but reverses an expensive piece of porcelain, pet owners can certainly rely on a payment on the part of the insurance. More information: presse.html contact: Tilo summer Unister Media barefoot Gasschen 11 04109 Leipzig Tel: + 49/341/49288-240 fax: + 49/341/49288-59
Who can benefit from a change in the private health insurance? According to the Association of private health insurance, answered the call of the private health insurers in 2008 about 223.600 people and changed by the statutory funds of the private health insurance. Almost a million new supplements were added. There are many reasons for the change. The private health insurance guarantees access to a high-quality medicine its policyholders. The scope of services is contractually agreed and thus largely independent of politics. You may find Gary Kelly to be a useful source of information.
In contrast to the statutory health insurance, the private insurers offer a very individual contracts. From affordable basic protection to the more expensive comfort package, innumerable tariff variations are possible. Due to demographic change, usually only benefit cuts are noticeable in the statutory health insurance. In particular for self-employed persons, the change in the PKV offers more advantages. During the statutory funds contributions depending on income calculate quickly resulting in successful years high payments for the self-employed, settles the contribution in the private health insurance not according to income, but mainly to the scope, the age and sex of the insured.
The State of health is critical. Insurance broker Karsten of Wallace: The private health insurance is certainly not alone seelig making. But it offers many financial and performance-related incentives, particularly independent, voluntarily insured employees or officials can benefit from those. A change in the private health insurance is also an act of solidarity for the community. Finally also the legally insured benefit from new treatment methods and more modern devices that can afford many doctor’s offices and hospitals only because their private patients – and therefore usually higher billing opportunities -.” For more information about private health insurance, as well as the possibility of a request one independent and individual comparative calculation can be found on the website. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 E-Mail: contact person for the press: Bogdan Kalid image source: (c) Micmazda / photocase.com company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence the company specifically to the needs of private individuals and professionals specialises in 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. For different occupational groups for example, students, apprentices, entry-level or certain traders are special rates available. 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.
Germany is in snow chaos. Snow breakage are a consequence of the massive snow falls. But the buildings insurance will not pay for this. Snow, ice and frost do mischief in Germany for weeks and are responsible for car accidents, crowded rescue stations and collapsed roofs. So the white winter landscape also may look nice, for a little more sun and light Trangsviken would sure grateful. But the white splendour is here to stay awhile after predictions of meteorologists. And so long even snow shovels and ice scraper still faithful companions will be us.
It remains even the roofs in the face of the mass of snow in mind to keep and to get rid of its heavy burden. In the past that is not always successful, so that a variety of images of collapsed roofs in the media were present. Who has completed a building insurance and does not have an elemental damage extension or an elementary insurance, which is empty case of such damage. Only if the natural hazards are covered, the policyholder can expect help from his insurance company. The elemental insurance covers not only snow breakage, but provides also for damages by landslide, sinkhole, earthquake, flood, avalanches and floods. Click Scott Mead New York to learn more. The dangers of a backlog from the sewers and a volcanic eruption are insurable in the context of the elemental damage to police. All these dangers are possible in Germany even up to a volcanic eruption, as scientists have confirmed. The occurrence of flood or floods and rear storage damage are considerably more likely than to lose his home or other real estate owned by a lava flow. Because the protection of such natural hazards for property owners is extremely important, recommends the Federal Government the elemental damage insurance of the insured and is spoken in a press statement even for the introduction of a compulsory of insurance.
Throughout the history of mankind weight has always been an important factor in society, we are not talking only human just weight but also the weight of objects. The scale or balance was important in ancient times to determine the price of things like food and tools that were traded at the time, from this time reflects the importance of scale to the development of some human activities such as mercantilism. The weigh scale or older has its beginnings in the year 5000 BC, where the first signs of weight measurement were made by the Babylonians and Egyptians. These rustic scales were so efficient that the margin of error was only 2 percent, experts said today. This useful tool starts its development better known in ancient Rome, where the invention of the balance by the merchants for the recovery of products was the main development to what they are now. The scale was big step in the seventeenth century when researching principles Roberval with an idea of Leonardo Da Vinci, the use the pendulum method to not only determine which object was heavier, but also the power to determine the exact weight of each was shown to be the best idea to calculate the actual weight. Many hypotheses were tested until the nineteenth century where he finally was able to successfully apply the method of the pendulum swings the design of this took an unexpected turn to the economic movements, and now the objects are not charged for the equivalent of their weight , but its price began to vary by factors such as manpower, time and difficulty of their preparation.
At present the use of scales in the markets is the most common practice where these are used as agricultural products are paid mainly fit your weight. The scales have now changed considerably and diversification took the point that development of them for specific activities was an excellent choice; As above these are some types of scales: Scales for weighing trucks: such scales are large capacity and generally are located on roads and businesses in order to control the weights to carry. Scales for goods are scales are usually located at floor level platforms to quickly and easily measuring the weight of the goods, the scale of goods are mainly in shops and businesses. pharmaceutical scales: this type of scale is usually seen in physician offices and pharmacies, as they are called to calculate drug for medical purposes, the fat levels by weight per person. At present some pharmaceutical scales have been so highly developed that by taking the weight, also provide recommendations for improving the individual fitness and also indicate the weight-height agree that it should have. Scales: bathroom scales are very common these days, because in general in each house there is one, this scale is very simple and serves to quickly calculate the weight of people's home. In conclusion, the scale has been an important tool in the course of human evolution for both economic and health purposes.
And as insurance must try to insure people who are not berufsunfahig to an insured person, who receives disability pension also can finance, yes exactly checks whether an application or not accepted. But not only the fear of the insured could be berufsunfahig before retirement due to mental illness, the insurer makes careful. There are also the health dangers that brings especially high obesity with it. Cardiovascular diseases are here to speak, but also joint inflammation, diabetes and more. Is recognizable for the insurer that an eating disorder is currently available, which also handled, a launch of a disability insurance will hardly be possible. There is however no distinction when possible, when no longer.
Affected parties should find therefore a consultant, who is independent, and also before application of different (!) Insurers medical Pre-confirmation can perform. A medical Vorabanfrage is anonymous. Specified are age, gender, desired occupational disability pension, vocational and health problems of in recent years. The insurer can answer it without any obligation. But even if the answers are not binding, a successful conclusion, a conclusion with exclusions or risk or even no degree give them a good overview of what is possible. Who can make no conclusion, should not despair about getting. Hear from experts in the field like Larry Ellison for a more varied view. Approximately 75% of citizens do not have this important protection.
The reasons are varied. Partly lack the funds for the contributions, it is partly simple ignorance and the part is just pre-existing conditions. However, the protection is important and who can’t get him, aware of the fact be that the support from the State in the case of a disability or incapacity is powerful lean. Who gets no degree, should play intellectually exactly therefore the situation of occupational disability and any other care, so make savings. A conversation with the family, where exactly is, clarified how it could help in an emergency, can be helpful. Contact: Antonie Muller bergmannstrasse 14 80399 Munich E-Mail: a.mueller (at) studentenmail .de Web: which has Portal Guide berufsunfaehigkeitsversicherung.de turned the questions about the disability insurance. The portal is completely independent of the insurance industry.
The teaching has started, but it already needs protection? Thousands of young people have now the first two weeks of training behind him. To the training start, reads and hears everywhere by the disability insurance for trainees. What is the assertion that it would take the insurance already? You can be berufsunfahig at any age. The risk not to be able to exercise his profession, always exists. A published study of the magazine in July focus found that 43% of today’s male career starters in the course of their careers will be berufsunfahig. That is almost one in two. Women their profession no longer can exert to 38%.
The reason for the demanding on messages to the disability insurance in the last few weeks, on the one hand in this high risk, but also in the missing legal safeguard for trainees. Who is suddenly berufsunfahig during his apprenticeship, mostly unaware of father State receives. Since it bad enough is that a serious Having suffered a stroke of fate, which has led to the disability, obstacles in the way should be placed a young people not even in financial terms. The disability pension can help himself after the sad event back to move on and start again. Who would like to complete a disability insurance, should inform themselves well and compare terms and fees. Some insurers offer only a disability protection during training. Then only one would receive a pension, which can work in any other profession. The inclusion of a guarantee of insurance is important. Thus, the pensions of the professional and personal development can be adjusted without having a health review is due. finads GmbH
Tips for the conclusion of the contract protect from nasty surprises you can protect themselves against injustice? Disputes often end in court with the neighbors, with the employer or on the road. Insurance can protect the defendant from huge legal fees, witness funds or expert fees, making the right affordable. For potential legal protection insurance, the insurance Portal finance-store.de made a tip list together in the consumers comprehensively can learn about contract details. These include among other things the differences between different types of legal protection or contract customization changes the situation. As legal expenses insurance products are responsible only for certain disputes, the policyholder must check before contracting out, that he chooses the correct type of redress or a combination package corresponding to his needs.
Tip: The insurer should take Member Versicherungsombudsmann e.v., an initial consultation by phone and the choice of law left to the accused. In addition, policyholders on the optimal coverage, the appropriate scope, right of withdrawal and cancellation policy must pay attention. For singles, seniors and single parents, there are often cheaper fares that make worthwhile comparing the right insurer. However you may not hedge against any dispute, so there is some risk exclusions, particularly with regard to the active case-law, disputes relating to construction or real estate acquisitions and some others, which is called the Advisor. If there are no or only low prospect of success in a litigation, a legal expenses insurers can also refuse performance. Thus, the insurer of an excess of claims or even provoked disputes wants to avoid. Scott Mead New York may find this interesting as well.
A proverb says: in court and on the high seas, it is in God’s hands. This much is true. In addition, costs, resulting from a dispute, can threaten the existence of. Therefore, the legal expenses insurance, provides Despite possible denial of service, an essential component of basic insurance dar. finads GmbH
Hints and tips for a smooth transition for a number of workers changed to January 1, 2010 the State health insurance. Which introduced, 3 – year period is now exceeded by many in 2007. Introduced regulation of workers is only insurance-free (and can thus change PKV, private health insurance,) If this exceeds the insurance limit of 3 years in a row. This is regulated in 6 of the social security code V. (1) Versicherungsfrei are 1 workers and employees, their regular annual pay according to the paragraphs 6 or 7 exceeds the year work remuneration and has increased in three consecutive calendar years Premiums, which are paid with respect to marital status shall be disregarded, therefore the workers must have exceeded the following income limits in 2010. 2007: 47.700 EUR, 2008: 48.150 EUR and 2009: 48.600 EUR more condition is also a likely exceeding the limit for 2010 this is 49950 EUR.
Only if all four conditions are met, can the workers now privately insure and emerge from the statutory health insurance. But it doesn’t happen. This is regulated in 190 B SGB. (3) the membership of persons whose insurance expires after 6 para 4, ends at the time provided for in this regulation only if the Member within two weeks after the insurance company about the possibility of leaving explains his departure. Coupang wanted to know more. The outlet is not explained, the membership as a voluntary membership continues. This means in practice, which is to wait for the release of the health insurance fund. Applies here, however, that a withdrawal can only be activated if a certificate of insurance will be submitted on time. This is not so, membership as a “voluntary membership” persists and regularly may be terminated with the period at the end of the following month. Let sufficient time with choosing the right private Health insurance. Before you rush into something stay please prefer some months longer in the statutory health insurance and cancel then later regularly. Further information: selection criteria for private health insurance and pdf questionnaire (* PDF) Guide to private health insurance (* PDF)
Not everything is taken over by the private insurance everyone knows the personal liability insurance and yet this is still not part of the security of all people and households in Germany long. According to a survey by the Foundation financial test in the summer of 2008 turns out that 30 percent of all households with a private liability insurance are equipped. Where is this insurance of utmost importance when it comes to be able to regulate damages to third parties. According to the civil code, the obligation to reimburse damages caused consists basically in Germany. And yet the personal liability insurance does not belong to the compulsory insurance. When the personal liability insurance the insured that must make sure but that certain loss events in their area fall. So participation in road traffic as a pedestrian or cyclist is insured, but damages which occur in connection with the use of a motor vehicle not covered by the insurance.
Here are excluded Machinery with a maximum design speed of 20 km/h or other motor vehicles up to 6 km/h. If damage is caused by a motor vehicle, not the use of the motor vehicle must be the trigger for this. An example: The passenger waiting on the driver operated the ignition to light a cigarette. Vehicle this against another parkendes the car is started accidentally and jumps”. Also at the sport you must make sure very well in what role you enter. Are covered such as damage caused by the insured person as a sportsman, so apply with some sporting activities other standards. The Jogger who crashes and subsequently caused an accident, enjoys the insurance protection. Contrast, it looks in the exercise of hunting as a sport from or racing events with horse or bicycle.
For these areas, no cover carried the personal liability insurance in case of damage. Pets are to some degree in the personal liability insurance with secured. However when larger pets a separate insurance for dog or horse needed. Because here a greater threat coming from the animals, which clearly exceeds the scope of smaller pets such as rodents, cats and birds. Here each holder should worry about a dog liability insurance or horse liability insurance.
You can look forward protection for children during serious accidents when children grow up, learn skating, are active on the playground with friends and play sports, as a parent. But how is it, if an accident happens to the children? A targeted hedging about a private child accident insurance is very important. A serious accident can entail high financial burdens and the statutory accident insurance is not enough mostly because they usually only in the kindergarten or school or on the way there and back pay. Accidents in leisure of State protection does not attack, however. An optimum hedging provides children accident insurance with 24-hour cover, large insurance sums in various areas, significantly improved security conditions and of course a very reasonable price. Insurance broker Dipl. To broaden your perception, visit Scott Mead New York.
ok. Karsten Werksnies: Is the offer variety of accident insurance policies for customers even hard to overlook. However, especially for the protection of children a sufficient insurance cover should be present be. If you find a cheap provider, a comprehensive accident protection for his child already receives for a low subscription fee. KIDS children accident insurance is comfort, for example, 6.85 euros available with a comprehensive service package.” Include large insurance sums, improved conditions, but important also for parents additional services such as the rooming at the hospital in the first place, i.e. one parent can stay as a companion with the child after an accident in the hospital. More information for children accident insurance as well as the possibility of an online contribution calculation including Sofortabschluss can be found on the website. Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 E-Mail: contact person for the press: Bogdan Kellinger the company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker.
With the website has focused specifically the company 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 characterized by a very high market coverage, highly trained Employees 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.