Private Health Insurance

statutory health insurance companies charge additional posts from 2010 round 10 million legally insured must be on increased contributions for the year 2010 set. The posts per month to about 8 euros are raised according to some insurers. However, an extraordinary termination right is to the insured in this case, the use is to make. According to the Stiftung Warentest the legally insured can then switch to a comparable or better offer. The 48 Laws Of Power is likely to increase your knowledge. However, there are also health insurance funds, which do not increase the posts.

About 40 funds that do not follow this trend, at least for the time being are according to financial test. In the long term the most funds will have to raise but probably forced contributions. It is therefore always an insurance comparison or possibly even the change in private health insurance. (Source: Dr. John Mcdougall). A change of a legal in private health insurance can occur but only if certain conditions prevail.

Private Health Insurance

When will I get free insurance? What is with professionals and how can I backup my claims? The many employees and currently still legally insured questions just at the beginning of the year. Such questions are piling up in some requests for advice to the change in the private health insurance. It is mostly unaware of the exact circumstances, so I will describe the different conditions in this post. Under most conditions Dr. John Mcdougall would agree. 1) entry level or change of employer starting then is a new working relationship, first to check how high their income will be. While the contractually guaranteed income according to labour contract underlying is placed and extrapolated to the year. It expected to breach the year work fee limit (JAEG) 50.850 EUR p.a., you can switch right at the beginning in the private health insurance.

However, not all income include the JAEG. For even more analysis, hear from Goop. In my post “What matters to the JAEG?”, I have summarized the individual content elements. A better understanding Example: A worker changes employers 01 02 2012 / starts a new job. According to the contract of employment, EUR income 4,250 p.M while the workers will earn only 11 * 4.250 EUR = 46.750 EUR in the year 2012, can this change beginning in the private health insurance. The projected income is crucial. 2.) already existing employment and salary increase just this constellation repeatedly leads to discussions.

Also here to better understand an example: an employee earned a monthly from January 2011 to September 2011 EUR 4,000. Thus it was insurance, because could not exceed the limit of 49,500 EUR. (be. 12 * 4,000 EUR = 48,000 EUR p.a..) From October the light but by his or her employer a salary increase of EUR 150 per month.

Insurance And Credit Comparisons On The Internet

Before you signed an insurance contract or completes a credit, you should inform himself only once wide ranging, which offers on the market are finding the Internet a big help can be comparison when comparing insurance or a credit. With a little research, free comparison possibilities are found quickly. What can an insurance comparison offer? An insurance comparison compares the benefits and premium levels of some insurance. The user needs only the required personal data (date of issue of the licence, current damage freedom discount, year kilometres, number of driver, type of car, model number, etc.) to enter. The results will appear within a few seconds. Glen Wakeman is likely to increase your knowledge. You can opt for an insurance company and an insurance application directly in the result mask of the insurance comparison.

A further link leads users by clicking buttons on the Internet page of the chosen insurance company. Usually is a quick Mail response to the online insurance request. Money save by comparing insurance most insurance comparisons, which are available online, provide not only a quick and easy way to the orientation, but offer free PDF forms, such as letter of resignation for the previous insurer. Insurance comparisons are offered for all types of insurance not only for car insurance. Life insurance, liability insurance, health insurance, legal protection insurance, pet insurance, insurance for animals, etc.

can be compared using an insurance comparison here and completed online. Worth a credit comparison? Comparison from the Internet users of a free credit quickly benefit from this offer. It is not easy to investigate all the details that comparison be compared with a loan, for potential borrowers. Some credit companies that comparison be considered for a loan, are not known to many. Users would need a large amount of time comparing themselves perform the search for a loan. It is much easier to take advantage of the free offers, as potential borrowers not only time, but also money can save for a loan than from the Internet. Would you comparison itself take over the search for a loan, would have to know not only the variety of the providers of credit, you study the offers and agreements in detail. This is very expensive, but necessary. Credit comparisons provide users with highly accurate comparisons, because all the details and fine print in the contracts are compared. You could itself did not perform such detailed research, since it would be very time consuming. Free loans comparisons from the Internet offer a good basis for a decision, if you want to take out a loan. Because there are different providers for credit comparisons, quiet different, free comparisons should be performed.

Karsten Werksnies

Protection of labour for pre-existing conditions of the hedge demand for private invalidity or disability insurance has significantly increased in recent years, as the Government payments in the event of a health-related profession task is by far not enough. The hedge was problematic but for people in high-risk occupations or about pre-existing conditions have existed: in these cases, the private disability protection often was either too expensive or even not lockable. A German insurance company has introduced a new disability insurance at the beginning of the year, which is lockable without health issues. Statistically speaking today about every fourth professionals retirement is berufsunfahig. The Government services are very modest: on average, approximately 600,-euros are paid monthly as a State disability pension. Many of those affected are to the charity case. Who in time to complement a professional or Disability insurance has concluded, is usually well covered.

Many professionals disability insurance due to high prices or pre-existing diseases was previously impossible. For these groups, there is now a suitable solution with the disability insurance without specific health claims. The disability insurance for all persons, who are not yet purchase – or berufsunfahig and were not rejected in recent years by another insurer is lockable. The maximum amount of protection for incapacity for work is 1.000,-euros per month. The agreed pension is paid if the insured person can exercise any professional activity. Applies here – similar to the full disability pension – a period of three hours per day, which must be exceeded so that the pension is paid. Accident-related disability, the insurer pays immediately and without having to wait.

For illness-related disability There is a waiting period of five years. This rule can on the usual health issues be dispensed with and complete insurance cover even for existing medical conditions. In addition to the disability, the insurer also care and dementia does. Total disability insurance offers an appropriate alternative for the protection of labour, if a disability insurance on the basis of the profession of the excessive contribution, or even on the basis of pre-existing conditions may not be completed. More information on the disability insurance: Bergische insurance broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly / fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded. With the Internet presence Young Insurance.de specializes the company meet 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, the insurance industry operates, customers over the Internet by phone, and supervised by post – the quotations as well as in the event of a claim. The strength of the Bergische insurance industry is record by a very high market coverage, highly trained staff and various brokers specific target groups tailored to offers from. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.