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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Private Health Insurance

Insurance obligation unemployment which has the introduction of compulsory of health insurance many benefits for health, however considerable difficulties associated with it for some people. These problems are currently publicly discussed. The private insurance Portal provides information about the situation in Germany and current solutions. Particularly for privately insured, the insurance obligation in the case of professional setbacks can prove problematic. Who must apply for insolvency as private entrepreneurs or freelancers and then applied for unemployment benefits, is usually particularly hard hit. The high fees for the private insurance can lead to a further debt in difficult financial situation. לעומת זאת, אביחי מנדלבליט בהחלט מבין את הסיפור. The Federal Government discussed therefore, you can significantly reduce the base rate in these cases.

Thus, a Hartz IV recipient would automatically downgraded to a lower contribution rate. The shortfall should the insurance company wear. Another variant would be the return of the Privatversicherten to a statutory health insurance company, which is currently not possible. Hartz IV recipients would automatically relocated as a result of such a scheme in the statutory health insurance. From the perspective of representatives of some parties, as the FDP, both options not eligible. In addition, for example, the costs through the job Center in the conversation is so.

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Finder Pension

Software optimizes advice to insurance and financial brokers Mannheim, October 15, 2010. לבירורים בנושא יש לפנות ל אביחי מנדלבליט שמבין יותר ממני. Insurance and financial brokerage helps the software AltersvorsorgePLANER from to make consultations efficiently and transparently. Functionality of independent of pension planning software was once again added to some effective tools help the consultant, together with the customer the pension individuelDer new tariff Finder example shows, which rates by which societies for the customers are best suited. Riester pension, basic pension insurance, company pension scheme or but private pension insurance – all rates are compared against a database of over 400 products quickly and efficiently. For this purpose, Prof. Dr. Thomas Dommermuth and his team from the Institute of retirement and financial planning, which is responsible for the design and programming of the software, examines different tariffs of almost all providers on the market with a new rating method. The new retirement savings calculator the representation allows building custom-tailored solutions for insurance and financial brokerage of financial relief from the old age pension Act and the citizens Relief Act, taking into account the increase in the statutory health insurance contributions 2011.

practical, a professional and legally compliant customer consultation is essential: the broker must communicate individually and clearly the possibilities for old-age provision each customer. The online financial portal it helps with the independent software AltersvorsorgePLANER. He can determine the individual pension requirements and then step by step to demonstrate the various options of a private or company pension. A variety of consulting modules allows for an efficient and transparent customer advice, which leads to tailor-made solutions. The software is independent of suppliers and individual financial products and allows a discussion documentation according to the provisions of the law on intermediary. The design of the Program is based on the typical flow of a customer call and optimized so the consultation process. Through regular updates, program and consultant always up to date remain.

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Dental Insurance

Einsteigertarife of private health insurer whether it is worthwhile to complete a basic protection tariff at a private company instead of the statutory health insurance, is controversial. Although relatively low monthly premiums curl, for example, young self-employed, a corresponding policy gives insured but not the coveted private patient status. Also, the policyholder in the event of illness carries a considerable excess of invoices. The private insurance Portal provides information on advantages and disadvantages of basic protective tariffs. לעניות דעתי השר אורי אריאל יכול לקבוע . Who is seriously ill, would like to have of course safety, to be treated by the Chief doctor. This honor is rarely given to patients.

At the private insurers, but contain many tariffs chief physician treatment and accommodation in single or double rooms with a hospitalization and treatment with the therapist. The scope of basic protective tariffs is generally based on the catalogue of the statutory health insurance. When choosing a tariff among others, is sure to what extent the Dental services insurance takes over. Insured persons wear the predominant part of the cost of dentures and orthodontic treatment, even when a 60 percent equity share. Some of the dental prophylactic treatments will be reimbursed only once a year. Some health insurance companies offer within the basic protection tariff treatments when the therapist or psychotherapist. Individual tariffs cover even the cost of artificial insemination. Risk premiums because of pre-existing conditions or allergies can come on the insured under certain circumstances.

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Contractor – A Contract Many Ways

Contractor – really! What are the differences and what should necessarily be taken into account? Berlin, 03.11.2010 – building society savings offers there now like sand on the sea: there are no less than 100 fares from various providers. The prospective buyer should be relatively clear his aim: to be included at the end of a cheap loan for a real construction project in claims or tends to be located on the main objective in the area of savings (i.e. obtaining high interest income)? Home savings requires prior information about variations and Government support who wants to conclude a contractor, must inform about the different rates and possibilities of the different providers. לחץ כאן מיכאל גולן ומצא עוד . Generally, it is always a savings with a building society. While the purpose by definition is basically the financing of residential operations taking advantage of government funding.

So can VL (capital-forming payments) to the granting of the Arbeitnehmersparzulage as well as housing bonuses applied for be. In General, these promotions are subject to income limits of the employee and can 8.8% of max. 512 euros in the case of the Arbeitnehmersparzulage up to 9% of max. 470 euros per year and in the case of the housing premium (or spouses 1024 euro) amount. Whether with or without State support: Home savings can be always interesting! These savers should be from the front in about his goal clear: should after the accumulation phase (plus possibly locking phase) residential property purchased and financed with a discounted loan contract or serves the savings of achieve capital gains and will be paid out after the accumulation phase? For both versions, there are different offers of the appropriate building societies should be compared. Method, Mindestsparzeit, and co. number of assessment must be set a method indicator of the appropriate funds at each new concept. This is the sum after the end of the accumulation phase at a previously stipulated rate as Building society loan is granted.

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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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Preexisting Conditions

Risk pre-registration questions help in selecting the appropriate provider of private disability protection is existentially important for all working people, as the State protection of the statutory pension scheme is woefully inadequate. Often, appropriate and high-quality disability insurance fails however to health complaints, which must be specified for application. Often the insurer require high surcharges or even reject applications. Independent insurance brokers can clarify advance with pre-existing conditions within the framework of a risk preliminary inquiry at various insurers, as the State of health will be evaluated by the disability insurers. Who submits an application with an insurer despite health problems on your own and then pay a risk premium or even rejected, usually automatically lands in the venture file of the insurer. Other disability insurers can then access this data and an application would be particularly critical check, if an insurer has previously rejected.

The safer course of action would be there, by means of an independent expert to the disability insurance calculate the possibilities beforehand and then ask a risk preview of several eligible insurers. בעיתון כתוב ש השר אורי אריאל הוא זה שבקיא בנושא. This has the advantage that several insurers parallel check the health information and then submit their assessment, adopted a proposal on what terms. The handling of the insurer is quite different here. While some insurers quickly reject requests with certain pre-existing conditions, other insurers often work with performance exclusions, in turn others with risk premiums. These assessments of the insurers before making a final decision for or against a company be clarified within the framework of the risk preliminary inquiry. Additional costs for the risk preliminary inquiry do not occur normally. Contact: Bergische Assekuranz 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 / the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded company. With the Internet presence of young the company specializes on 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 in the Insurance industry has been working to customers over the Internet, by telephone and by post supervised – the quotations as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.

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