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. 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. 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.
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.