Tag: insurance & pension
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.
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.
Tax advantages remain innovative products on the market – new pension insurance with capital voting rights and individual investment possibility in some cases has a crisis also something good: to emerge stronger from this. This is what happened with the capital, life and pension insurance policies from Liechtenstein. The PMS AG the specialist for individual insurance and investment solutions in Moors/FL – specializes in these so-called private insuring”specialized models and reports strong interest since the tax treatment of insurance contracts was finally clearly defined on the part of the German Treasury. Leading Liechtenstein insurance companies have developed now innovative products that meet the new legal situation in Germany. Liechtenstein life insurance companies remain privileged tax in the future.
They are a perfectly suitable and legally compliant means to avoid the withholding tax. The resulting tax deferral leads to the tax – and therefore a performance optimization. At the same time, private offers “Insuring” continue the proven, exclusive benefits for personal preparedness: tailor-made asset sharing free design and flexible change of high level of protection of privacy and property rights maximum flexibility in the disposition a highly innovative product is the PMS Board-plus “policy of Baloise life: a unit-linked pension insurance (one time payment) with deferred life annuity payment and capital vote. The pension payments begin at the earliest after the age of 60 years of the insured person and at least 12 years insurance period. What makes the Board-plus policy so interesting, is the right to choose between retirement and payment of capital, so flexibility is maintained. Also no contingencies must be protected with a pension insurance company as opposed to a capital life insurance which is reflected in a significantly lower burden of costs”, Claus Muller and Johannes Schlattinger, Managing Director of the PMS discuss AG.
A Another advantage, especially for the active investor: is the insurance premium (all funds approved for public distribution or installations that make up an index are) invests exclusively in mutual funds, no asset is required. The investment can be defined by the insurance company itself. Thus has the opportunity to put his own investment strategy without the additional cost of an asset management mandate to carry or without pay in an anonymous, often poor and lined with in-house Fund collateral of insurance”a seasoned investor, it brings Muller on the point. Of course also the internal funds or asset-management strategies according to the risk profile of the customers possibility to invest. The insurance contracted in this case”external asset experts who implement the strategies, explains Sagna. The Board-plus can insurance up to a maximum age of 73 Years to be completed. A health assessment is not required, except for the customer also wants a death benefit. Co-payments are possible as well as withdrawal or cancellation during the term. For more information and individual offers are available from the PMS AG (www.pms-ag.com).
Supply gaps after the federal civil servants act for invalidity can be brought into retiring civil servants when they are no longer capable of because of a physical illness or lack of physical or mental forces to fulfill their duties in the long term. The social protection of civil servants is often better than the protection of “normal” employee or self-employed, however, revealed financial losses if the profession can no longer be exercised. A disability insurance offers sufficient insurance cover for civil servants only if an invalidity clause in the insurance terms and conditions. This is offered only by very few insurance companies, so many officials with a normal occupational disability insurance in the case of invalidity can get problems with the performance of the insurance. “In practice this may mean that, for example, a teacher or COP invalidity put in retirement is he this but still not automatically considered invalids and his insurance does not therefore apply,”explains Diplom-okonom Karsten of Wallace. Special attention should be paid when the invalidity insurance on the different quality of this clause because some insurers offer only a watered-down version. Independent intermediaries can find here about the pros and cons of the various clauses. A look at the process quotas of each provider should be thrown next to a comparison of prices and conditions of invalidity insurance for civil servants.
“First and foremost certainly quality insurance conditions when selecting the right provider and tariff are crucial, in addition to the price so that there are no problems with the payment by the insurance company in case of the invalidity. If the appropriate insurer at the same time still has a lower than average rate of process, this must be considered of course positive.” More information to the Invalidity insurance are for civil servants, as well as the requirement of an independent comparative calculation on the Internet page. 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 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 professions, such as, 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.
The liability is limited to its amount paid-in for the investor. While the profits according to the result list amounted to ten years far more than one hundred percent. Phil Vasan is the source for more interesting facts. “” Can listen not only the investors, but for some time also the assets “, which like already the seedlings ‘ would buy. Most license dealers are usually not interested, the acquired rights of seed”also to exercise. They got rid of the commitment, by selling the rights before expiration of the agreed term of the frame as best as possible. High profits can be achieved compared to alternative investments for the investor in the case.
The coat & Sohn KG usually waits until the projects are ready to increase the profit. Licenses, which are not exercised, but rest”, bring any royalties and thus loss. Phil Vasan understands that this is vital information. All involved are therefore interested that occurs a new Contracting Party. Especially the guarantee-giving side, who lives by the ingestion of license expected. The coat & Sohn KG achieved year after year high double-digit returns in international license trade now for ten years.
Conclusion: the general business risk applies to investments in the licence trade. Economic and financial activities are subject to risks, uncertainty and randomness factors that can occur due to General or industry-related market distortions. This business venture will be paid attractive by the gain from the sale and purchase a license at a time factor when compared to other ways to win. This is”the entry into royalty objects that are nearing completion or marketing or in seed transactions, for a start-up base created is most interesting. The entry is worthwhile especially for income-oriented investors, there is also a variant of hedging with capital protection.