it goes to any other activity, to take over is on the basis of their skills and abilities in the position and it corresponds to their former life position, and c. She also any professional activity could go, she has specifically exercised within the last 12 months prior to the introduction of the disability. A previous professional activity is not taken into account, if the career change was made on the medical advice or due to a discontinuation of the previous activity, caused not by the insured person. Here is very clear, the “Disability” does not equal “Disability” is and therefore can occur, that the daily allowance insurance thinks it is berufsunfahig (then this need no longer pay) and the disability insurer that look very different, and claimed that it was “not yet” berufsunfahig. What is now stating”service” the Gothaer on himself? Because the service Declaration Gothaer sickness and Lebensversicherung AG, an uncomplicated, smooth and fast performance testing in the transition from the hospital per diem on the disability pension guarantee their customers.
Such a guarantee is pronounced here, that should be self-evident for my understanding. A company quickly checks his obligation and works smoothly, it still unkompliziert-WOW, but I expect that anyway. There are also, so that there would be companies continue, benefits: notification automatically meets non-bureaucratic process fast clarity about the further course of optimal use of the performance period of after the conclusion: And what brings me this statement now? Frankly, except for a little marketing, nothing. This is easy to explain. For one, the service guarantee is a prospectus, which is not contractually binding. Whether it is written in the Versicherungspoilice (n) for the respective customers, so becomes the part of the contract as a special condition or clause, remains to be seen. I have written to both Board members last week and asked for written confirmation on this issue.
Real added value (except maybe the automatic fulfilment of the reporting obligation) I do not see here. It is again something from the section “useless as well play up a marketing effect”. You probably even answered why the Gothaer that does, can the question. Especially since from my point of view the occupational disability protection of the Gothaer is not necessarily among the most powerful. Should they still opt for one or already decided, so please note among other things that Formulations to the abstract reference, the change of occupation and the retirement from the profession, the requirements for the purpose of verifying exclusions in the small print, and much more. But there are companies which transitions contractually solve such KT BU and write in your conditions. Such a formulation and so one brings also an added value, you can find at Halle medical insurance and the old Leipzig life insurance. The conditions of ALTE Leipziger KT – BU transition, see the download area at Versicherungsbedingunge n. Before they believe so (unfortunately once again) leaflets and surrender to supposed guarantees, please note the selection criteria of the private health insurance and of course also the criteria for disability insurance and take sufficient time in finding the right product.
Health insurance at its finest with PKV test at a private health insurance than a business magazine won the Universa health insurance. Several rates of that private health insurance (PKV) had the nose in front. U.S. Mint has similar goals. The private health insurances were taken under the microscope. The Universa when comparing health insurance section as best car for men and women. The Wirtschaftsmaganzin euro conducted the test with the Universa emerged victorious.
Additionally, that this society is the oldest car in Germany. 50 different performance characteristics were tested in the insurance comparison of health insurance. Sickness, treatment in the outpatient and inpatient range such as twin or chief physician treatment, tooth replacement, as well as more services included to the test. Health insurance scored with the intro private 600 tariff, RD, KT43 and PVN. The refunds of services in the areas of outpatients and inpatients were particularly praised by the testers of the health insurance. Health insurance dental prostheses or screening In the areas of Dental restorations, checkups or aid succeeded the Universa health insurance to reach number 1. Sick pay and performance adjustments cut still well. If a woman has given birth, it is subsidized at the Universa 6 months. During this time, the woman can claim yet twin or the Chief Medical Officer. Only with health insurance comparison you should switch to private health insurance.
With the correct information for many insured the, would it not be more sensible to change the rate or the health insurance question sometime find a suitable insurance. Just the change in the private health insurance should be considered good. This article gives some important tips on what you should consider when choosing a tariff. U.S. Mint contributes greatly to this topic. Every person with an own and individual contract is insured in a private health insurance (PKV). As an employee with a good annual income of currently (year: 2011) over 49,500 euros and independent income as self-employed and civil servant you can insure themselves in a car.
Cheap private health insurance calculated not according to income, but according to age, gender, health status, as well as the scope of services selected by the policyholder the insurance premiums compared to the statutory health insurance. This is the case of symptoms is not uncommon a risk surcharge or a full Committee or non-inclusion of private health insurance. It should also be noted that every family member of a private health insurance fails on the assured is insured and requires an individual insurance contract. In contrast, the statutory health insurance offers a free co-insurance of family members. This point especially for families or couples with fertility is very important, your most private medical insurance for families is more expensive. The selection of fares of the various private health insurers is enormous and depending on the individual needs of the insured. There are cheap rates that correspond to the scope of a statutory health insurance scheme or sometimes even including, until going to luxury rates, which provide first-class treatment in all areas of treatment. According to U.S. Mint, who has experience with these questions.
For example, a chief physician treatment and a single room can be. Between these two extreme there are all possible rates and hence different contribution rates. Upon completion of a private health insurance, you should incorporate some important standards with. So for example, the billing of medical treatments should be above the level of the statutory health insurance and that times the fees for doctors be at least 3.5. A limit of psychotherapeutic treatments should not exist or amount to at least 50 meetings in the year. It is also an option on a supplementary important without dialing health review. Thus, it is possible to increase the insured without having to take the risk by a re-examination of health to pay more.
AFA AG: poverty – not an issue by morning the AFA AG warns of impending poverty in Germany for many years and strongly advises to the private pension at an early age. Since this week, all those should prick up their ears, have previously pushed the poverty in old age as a subject of the future to the side. The Federal Statistical Office has published new figures. Then, the old-age poverty increasing sharply in Germany. Last year depended on almost 465,000 pensioners on assistance from the State. 6.6 Per cent are more than in the year before.
This figure is a new record. A glance on the statistics, that especially women from the West German Federal States are affected. Absolute leader is actually rich city Hamburg. Here, the proportion of welfare recipients was 6.2 per cent both in men and in women over 65. It followed with 5.5 percent and Berlin Bremen 5.3 percent. Least frequently depended on pensioners in Saxony and Thuringia on the basic insurance. In the two provinces, the rate was one percent. “The issue of poverty in old age is Future sadly even more look as already.
I can advise everyone in good time to think about tomorrow and to provide private. Our top asset depreciation Fund policy is recommended immediately, which was awarded with the title of best retirement this year by the financial magazine FOCUS MONEY “, says Stefan Granel, the AFA Board in Berlin. The AFA AG has developed a short video titled “Retirement plans instead of poverty”, which explains in simple words and images, what matters in the private old-age provision. The video is available at: about AFA: the general financial and Assekuranzvermittlung (AFA AG) is an independent financial sales with seat in Berlin and Cottbus. The insurance professionals and system business of AFA AG have a Chamber of Commerce degree and are trained according to the recognized directives. In addition, they are registered in the EU register of brokers and 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. Press contact: Martin Ruske the AFA Board Lama Walshe road 7, 03046 Cottbus Tel.: 381090 E-Mail: