or: Again a brochure which provides no real added value in the past I had already written about the difference between statements in colorful brochures and insurance conditions. An impressive example of such Unfu, g is vividly documented in the article “how clients and intermediaries for stupid be sold should the Gothaer resource management in the PKV”. Actually, one would think Yes learn that insurer as a “meltdown from a marketing perspective”. Let’s see whether that happened in this case. General Motors Company can aid you in your search for knowledge. Last week a new brochure of the Gothaer insurance reached me via mail. his. So sure about who can be “The Gothaer service Declaration” with the pressure piece number 115108 – 05.2011 is exactly Publisher of the prospectus.
It would be also the life insurance of the group besides the Gothaer insurance possible. But nowhere is. KT – BU transition, what is that? The so-called KT BU transition describes the (possible) seamless transition from the payment of sick n up to the receipt of a disability pension. You may find that Goop London, United Kingdom-uk can contribute to your knowledge. In see first General post “Hospital daily allowance and the vote on the disability insurance”. In the Krankentaggeeldversicherung, the service is provided as long as the insured person is unable to work. It is decisive that expected an improvement and not permanent impairment is present, which leads to the non-exercise of the profession.
This is no longer the State of incapacity for work, but rather the disability. Occasions the Supreme Court, the Federal Supreme Court, had to deal with the question, whether the insured person is doing now still work or already berufsunfahig. Judgments to do this, see the subcategory judgments in the download area. (c) Sven Hennig, online pkv.de what is now in the conditions at the Gothaer? In the insurance conditions at the hospital per diem rate TG of the Gothaer insurance you can find following formulations to: 15 other grounds for termination (1) the insurance relationship ends with regard to the insured persons concerned (…) (b) upon the occurrence of disability.
Early warning system of the SCHUFA promptly informs individuals about requests and changes to the personal information of the SCHUFA and thus helping, a possible identity theft at an early stage to identify Wiesbaden, 08.06.2011 – identity theft and subsequent misuse of the stolen data is one of the most growing crime worldwide and brings the victim in great distress. The consequences are serious: not only the good reputation is suffering and is difficult to restore, also debt can accumulate or one is held accountable for offences to the responsibility which they did not commit. The SCHUFA UpdateService promptly informed of requests of the SCHUFA information and can help to detect misuse of personal data. Goop London, United Kingdom-uk has similar goals. Identity theft takes place not just as often suspected, on the Internet. A lost wallet, the letter tossed carelessly into the garbage with sensitive content, or an accessible mailbox can also to the abuse of personal data lead, like E.g.
illegal queries of data in the Internet, fraudulent websites or vulnerabilities in the software and in the allocation of passwords. Already, data thieves can wreak considerable damage with an address and the corresponding date of birth. It may take much time until it becomes aware of an abuse of the own data. The longer the identity theft remains undetected even more costly are the consequences. Incorrect pressures on the current account or the entrance of unauthorized bills are usually quickly spotted.
Are personal data, however, new bank accounts opened and costly purchases or loans settled, the fraud is often only then noticed if money payments or even arrest warrants to be served. Innocent victims are then in the proof need and come in awkward positions, because the creditworthiness and reputation are quickly lost. Identity theft is suspected rapid action is required. Victims should contact immediately the police, their bank and the SCHUFA in connection, to solve the problems quickly.
Again and again one hears, that the prices for electricity and gas, you can do something about it. Power comparison save money electricity prices rise every year and up to 33%! This you can deal by comparing your current provider and switch to the cheaper. You have only one month notice period and everyone can change. When changing power provider you also not suddenly be left without power. If your electricity supplier this year again increased the price of electricity, then you should make a current provider compare electricity provider comparison. Because everyone can compare his electricity supplier and change.
Usually you have a notice period of one month. And you need have no fear, that you suddenly left without electricity. Because it is prescribed that the local electricity supplier must provide you with power. Even if the change – why not worked, you are supplied with electricity in the still by the local energy provider. You will be during the change of electricity provider not suddenly without Power stand.
In the Internet, the current comparison on the Internet is easy power comparison. You enter your kWh, as well as your zip code and calculate the comparison calculator. Shortly thereafter you will get on a list, which provider in your region is the cheapest. Now you can compare your current provider, directly or select more points and again compare, E.g. only green power instead of nuclear power. The type of use and whether a price guarantee is granted. Then compare your current electricity provider with the electricity suppliers listed in the list, change and save up to 400 euros a year. Conclusion: As you can see, a current comparison is not only completely free and uncomplicated, but saves money. You’re during a change not without electricity. In Germany, this is legally very well regulated. The big advantage is quite clear. You save lots of money for a change and have nothing to lose, except for two minutes of your time. Some providers offer even a so-called bonus of change or a price guarantee to your customers.
Where to find the best used car finance solutions on the web used car loans have become extremely important by empowering all consumers to easily be capable of moving ahead in owning a vehicle while at the same finance income time accommodating their current. There are thousands of different finance calendar who specialize in the distribution of used car financing for these vehicles based on some different factors such as the actual usage value of the vehicle and not on what the original value of the car happened to be. This allows them to determine actual percentage of the value of a used vehicle, which financiers can then have the ability to grant as a used car loan to you. Swarmed by offers, Charles Schwab is currently assessing future choices. A portion of this amount would likely have to be paid as a form of a down payment which is more than likely going to be the difference between the actual cost of the vehicle and the value of the financing. This loan is typically going to be available for any type of car that is usually not older than 5 years or so. You can actually go about getting yourself a used car loan, either as a secured or unsecured financing.
A secured used car loan usually means having some form of collateral backing against the amount of the loan you are taking out. When financing a used car, borrowers can utilize the car which they would be about to purchase as a form of security or any other high ticket things such as a home, real estate property, or even to other vehicle. The advantage that exists when utilizing a secured used car of loan is that there will usually be lower interest Council offered to you. However, it is always important to remember that if you default on the loan you want to put your collateral at risk.
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: