EUR Excess

Assistance for employees in the selection of appropriate SB a frequently asked question in the consultation. What is the right for a deductible (SB)? First of all, you are can imagine it, there is no blanket answer to this question. This should be distinguished between employees and the self-employed, first, why let me in this post only on the employees. Why do companies offer excesses (SB)? Excesses to promote cost consciousness, on the other hand save company overhead. Costs so that edit a small invoice usually significantly more than the amount of the refund. Therefore, it makes sense just to look at the premiums look like. What is there for excesses? A distinction is made between absolute and percentage-based auto investments, these can be capped or unlimited.

Also, the question which this excess accumulates differs. Offered by companies building block tariffs (tariffs so where ambulatory, stationary and) dental services separately in components can be combined are), so the SB is often only as an outpatient. In the Kompaktarifen (i.e. a rate for outpatient, inpatient and dental services) the insurer itself sets, where the SB. Here some examples to illustrate: collective spirit of the German ring: 450 EUR excess on the outpatient rate comfort + by the Deutscher ring: 20% SB up to maximum EUR 540, albeit on the ambulatory RuV agile premium: EUR 480 excess all areas, excluding checkups according to tariff Halle NK3: EUR 300 excess all areas, about 20% of psychotherapy and remedies Halle NK bonus : no SB in the strict sense, but 60 EUR bonus repayment per month, if no invoices are submitted. So "fictional SB 720 EUR AXA vital: 300 / 600 / 900 EUR SB for the ambulant and stationary area you see how diverse are the different solutions." So you see not only the height of the SB, but also the 'scope' on.

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This ensure security of reimbursement of and refund speed in everyday performance in your favor. Reimbursement issues in future ZZV insured ZZV – letter having the WaizmannPro, very quickly and efficiently for Wade. An example from practice, what advantages does the ZZV protection letter: An insurer had found a breach of the duty of disclosure in the framework of the performance audit and was retroactively withdrawn from the contract. Our customer asked us in relation to your ZZV protection letter, to check the operation. We could send us all the documents to thoroughly examine the case. It came out that the dentist in the consultation of the doctor had wrong accidentally answered a question.

It was asked whether something was advised before conclusion of the contract and whether if what treatment plan was then created. The dentist is believed to enter the current treatment plan. The insurer saw this confirmed that the current treatment was advised at the time of the conclusion and noted the violation of the duty of disclosure. Refund 0. We were able to completely clarify the error of a written statement and a copy of the patient's chart in no time and achieve an investigation, which ultimately resulted in that the resignation was withdrawn from the contract.

Refunds: 6.294,12. The ZZV protection letter includes further Aspkete in addition to the guaranteed help with reimbursement issues. "In particular the ZZV protection letter includes the following: 1. as Wade customer get a KlarVertrag". This ensures a maximum performance clarity: the insurer itself have answered asked targeted questions on about 30 of us from more than 15 years experience in writing according to contract conditions and services in understandable German. As a result, all services are fully explained and confirmed their accuracy and validity of the insurer without room for interpretation. The participation of the insurer on the initiative is a very important basis for maximum effectiveness of the protection services.

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