Tag Archive: insurance & pension

PKV Tariff Change In Unisex Tariffs

Why PKV customers when changing the tariff the new unisex tariffs once avoid if PKV tariff change and unisex tariffs: off 21.12.2012 the private health insurer may sell only the new PKV unisex tariff. All previous, gender will be closed independently calculated a tariff change for new customers. At the same time complemented the PKV tariff change right in the relevant legislation (section 204VVG) to a unisex passage. “Below the exact wording of the corresponding supplement: a change from a tariff where the premiums, regardless of gender is calculated, is excluded in a plan where this is not the case,” This means the car insured persons who perform a PKV tariff change in one of the new unisex tariffs, not one of the still valid regardless of gender calculated PKV plans to return to. By the very unsafe calculation basis the new PKV unisex tariffs, therefore a price change in one of these tariffs is not recommended. PKV customers is therefore recommended, PKV tariff changing first to recommend the current regardless of gender calculated health insurance rates. After an establishment of new unisex tariffs, as well as an analysis of the corresponding contribution histories within these tariffs, PKV tariff switching in a unisex tariffs for car insurance in the now current bi sex rates is still possible. CAR insurance, should be therefore definitely not in one of the new car unisex plans push their private health insurance.

A PKV tariff change can lead to a significant reduction in contribution within the existing private health insurance. By the very substantial tax cuts of in recent years, many car insurance have reached their breaking point. A PKV tariff change the posts of just longtime private Krankenversicherter part can be greatly reduced. This is possible in many cases or a reduction in the quality of the services of private health insurance. Already saved in the current PKV fare age provisions are fully the new car tariff of the Health insurer expected.

Government Disability

What to look for in disability insurance. At a young age the least worry to your workforce. Many people assume that we live in a welfare state that will compensate for this form of discrimination. But here, the devil is in the detail. The Government services has been shortened in recent years more and more, and therefore no longer sufficient. Approximately 25% of employees are unable to work in the course of your professional life.

The number of unreported cases is likely higher. The case of incapacity for work occurs, most with State support can expect. Ideally the person concerned up to 30% can get his gross income, which is however enough under normal circumstances not to life. Disability insurance or disability insurance In the vernacular is often talk of a disability insurance, which doesn’t exist. Disability insurance or disability benefits are usually meant. Especially the disability insurance has enjoyed in the last Years of increasing popularity, as the population has become more sensitive the subject unable to work towards. What must be observed? If you are interested in disability insurance, there are a few points that must be followed prior to the conclusion of a relevant police there are insurance providers that explicitly exclude certain diseases. Here you should read fine print with a professional so that you are actually insured in the case.

With the insurance of inability to work, set also an expiration date of the policy. Since most people only after the 55th year of life are unable to work, should attach higher age of the process. Tip: Minimum until the age of 60. The contributions you pay monthly for your insurance, calculated as a part of the retirement you want, that you would receive in the event of occupational disability. The higher the desired bond, the higher the monthly premiums. Tip: Your pension should be about 75% of the Net salary amount. Ensure prior to the conclusion that no abstract reference “is listed in the contract. This States that you need to exert a new occupation in the event of work disability in the worst case and despite insurance of inability to work receive no pension. How much does disability insurance cost? The costs are mainly dependent on three factors: desired amount of pension age kind of employment this is cheaper, the sooner you secure a possible disability. Also, the type of employment plays an important role. Employment is a psychologically stressful or physically hard work, the contributions are correspondingly higher. As mentioned also the desired occupational disability pension is a cost factor. If you need a disability insurance or not, you need to decide.

Dental Insurance

Professional dental answers where you can see tooth supplementary insurance and is it advisable this complete then online? Perhaps more fundamentally is a dental insurance au complete two different ways: contributions monthly directly from the insurance on the home page of a neutral broker of insurance and costs are equal in both versions however, therefore you should know which of the variants would be the most appropriate. Definitely you should find a neutral broker in the second variant. Generally, such a law is obliged to remain neutral: In the case of a complaint you have a competent partner at your side. An insurance broker can help you to enforce your claims against the insurance company. The page dental insurance Forum can be you an important source, if you want to inform yourself on the topic.

Should your teeth additional insurance from the insurance directly can complete it in case of doubt, that you are alone in the complaint to. However, there are also Here again black sheep therefore necessarily ask for the status of your neutral intermediary and find out whether this is independent of the insurance which he conveys. Is the question of whether you want to take out the insurance online or what is not completely dependent on you prefer. Disadvantages arise from the online conclusion never. Rather, the insurance with an online degree offer even additional services. Plus, can you personally compare each offer and get often also just that much better and more extensive information. With an online degree, a 14-day withdrawal period as at a traditional degree. Inform you can Forum on these reports also on the side of dental insurance. An online degree with an independent broker can be often quite reasonable.

Global Home

Students at liability often insufficiently protected students are often not sufficiently insured in Austria. In particular, the area of liability is concerned. For accidents or property damage, the household insurance jumps in here normally. Children are insured with liability in the household insurance of the parents without income, but only as long as they stay at home. The children leave the parental home and pull in a WG or a student residence, this protection lapses. Many students expect to be secured by the student insurance of the oH sufficient for all eventualities.

But this is not a comprehensive protection, warns Reinhold Baudisch from durchblicker.at. Liability often existenzbedrohend the phone of a friend unintentionally destroy is unpleasant, during a party, and the payment of the damage sometimes expensive. An indebted ski accident with serious injury can be however unfounded. The law provides for basically unlimited damages if by own Misconduct by a damage. Not all students are adequately insured for such liability. Reinhold Baudisch of durchblicker.at: children without their own income are insured with liability in the household insurance of the parents, but only as long as they stay at home. The children leave the parental home and obtain an own abode in the place of study, for example an own apartment, a WG or a student residence, this void protection.”durchblicker.at: oH insurance not sufficiently the oH students insurance covers only damage in direct connection with the studies and applies only in the premises of the University or on the way to and from the educational institution. However, the study consists of more than lectures and nerds.

So no insurance gap, and students should ensure either by a household insurance or a pure private liability insurance, advises the consumer portal. Personal liability insurance from 36 euro a year aspiring young academics, in a shared apartment or a Student home have the opportunity to do special private liability insurance. They assure only the liability. Durchblicker.at’s experts advise to conclude insurance totals 1.5 million euro. In regard to travel or study abroad recommends concludes on a world-wide coverage to pay attention. Products with good insurance are to have 36 euros a year. By online bonus check save up to 75% just in the personal liability the differences between providers are particularly large, therefore a price comparison before buying insurance makes sense. Durchblicker.at has carried a premium check: the listings for sums insured in the amount of 1.5 million and worldwide coverage are between 36 and 144 euros. Baudisch: The price differences are enormous. Can be kept up to 75% by comparing the offers on the market.” Durchblicker.at now offers a free online comparison calculator on. About durchblicker.at durchblicker.at created since 2010 current price comparisons for consumers in Austria. As the first independent Internet portal for the comparison of fixed costs, durchblicker.at continuously observed the developments in the energy, financial, and insurance markets and ensures transparency in prices with regular studies. Partners of the company are the Chamber of labour of Upper Austria, the ARBo and Global 2000. Via the website, consumers can determine the provider favourable to their individual requirements anonymously and up-to-the-minute. durchblicker.at provides free advice and support when switching to a cheaper provider. Thus, consumers can achieve savings of several hundred dollars per year. durchblicker.at this creates more competition and the Austrian market momentum with the possibilities of the Internet.

Who Is Smart, Saves Day Money

Learn what is to consider it is in everyone’s lips and the most popular way to save. The day money rapidly quickly evolved to the present form of saving. With a day money savers offered good rates, the handling is convenient and comfortable and it is given most financial flexibility. The balances that was saved on a day money account can be has at any time. There are even money specials, providing equal with a checking account and a credit card, both of course free of charge. So can be has worldwide at any time savings. Partly, also one-time payments are offered to attract new customers.

The differences of in conditions are very large. For this reason, the current provider should be compared well to find a matching tag cash account. Consumers who are looking for a tag account, first on the interest rate of course look from the interest rate and other information. Whoever does this, already will be surprised, because they lie between over two percent and 0.25 percent. It is but pay attention to other things. Sometimes, the good interest rates on terms are linked. So, some providers require a minimum deposit or pay good interest rates only up to a certain interest rate.

Also offered high interest rates sometimes for a certain period of time, but sometimes they are not guaranteed. In this case, it can happen that the interest rate falls heavily overnight and the first choice is no longer the best. It is also important that the savings are fully protected, because only so the money is sure to. Compare help so that future day money customers not only through the jungle need to dig, there is good help. Sites that specialize in the comparison of the 40 day money providers offer comprehensive information with just a few clicks. Well structured and clearly you can compare all providers and evaluate the data found. Even reviews of other day money customers can be seen on sites like day money Sieger.com. Better can not be inform. Limitations or special features indicated, so the thing for visitors of this portal is very transparent and manageable. The appropriate provider is found in a Flash and it can be saved to your hearts content. The administration of the day money account takes place online. With a similar surface, such as in online banking, savers can make their payments, query statements or check interest income. Savings may not be comfortable. The modern facilities make possible much. Progress, and flexibility have begun on the financial market.

Department Insurance

Go to sometimes located in the farthest corner, to great deals make. But be careful! Read carefully! Not the cheapest offer is also the best. The insurance sum – a basic division into 3 elements the insurance sum is simplified seen 3 parts together. For a layman, it is extremely difficult to see what is the actual insurance sum is and what the reward for the insurer. Distrust is particularly large because the opacity, especially since insurance aims to certainly the maximum profit. Mitkonkurrrenten, which in turn determine contributions and offer them to potential clients are the only thing stopping insurance it to fly, with the prices to the moon. If an insurance is cheaper than another, it may have become very many reasons. The simplest and most elementary reasons include the necessary for the sum of the basic risk assessments, which can be different for each.

Each insurance company has its own Department calculated that and perhaps the data with which the same off. Although it is a neutral Trade value should be, it’s still subjective and so any just, like you can capture each risk qualitatively and quantitatively. In terms of wins the insurance which can best assess the risks. But it is just the beginning. Next responsible for the various rates is the revenue share of the insurance. How much does the insurance for their work? If two insurers have determined the same risk value is the one willing to offer a better deal, to attract more customers? Insurance companies live by the law of large numbers.

Insurance has more customers, it is the better armed against exceptions. More customers mean more administrative work and costs… so what to do? That is, ultimately, hard optimization work precedes a proposed tariff, which must include as many factors as possible. The last reason for this split, why insurance rates may vary, are extra conditions and regulations. There, the possibilities are open upwards. A popular way would be for example the Excess. The customer in case of insurance from their own pockets can be involved for a much smaller sum. Extra conditions are a well-thought-out strategy, to make the customer more choices. So they feel not restricted in its decision. It is questionable whether it really makes a difference, for the insurance operators there is likely no matter which selects the package of the customer because the scheme under which they have calculated everything, should bring them no losses.

Marten Compensation

What many do not know, however, is the totally different scheme of the value compensation in the event of a total loss. Depending on the insurance plan, you will receive a full New compensation from 3 months up to 24 months after the initial registration. Especially in base rates is often a system of 3-6 months. Have a total loss, after this period you must expect some with massive discounts. Also the gross negligence (the mobile summer talking, worn tires, tires in the winter, the traffic light red, lifted slightly while driving, down like whats on the radio around gefummelt,) the insurance it can cause to make cutbacks in the event of damage, which is not provided for in the comfort of the insurance. Car comparison Stiftung Warentest – comments on the comprehensive services even the point value compensation was in the Stiftung Warentest’s car comparison with woven and massive power cuts have the insurance again with your basic rates in your program, that were color-coded by the Stiftung Warentest due to your positive pricing. You can unfortunately not clearly enough tell: who a reasonable Claims in full or partial cover insurance is located, should keep their hands from the basic tariffs. But even those who want only a motor liability insurance, should reconsider your decision in light of the above mentioned aspects. Further cuts of basic rates are the so-called discount Savior, of the different classification schemes in car, partner vehicles or novice including the Mallorca police, the scope, the Marten bite damage. Conclusion: Maybe you should heed the saying of our grandparents: the economical man pays twice!

The Terms

He must set the amount he can not use at the beginning of investriert and during the austerity period, of course. But are also often Restrictions foreseen, since the credit institutions agree a minimum and a maximum, which must not be exceeded. The minimum investment amount is at the Festgeldanlage at about 500 to 10,000 euros. The maximum investment is very different. In extreme cases this can be exceeded as well, the amount that exceeds the maximum limit, will no longer remunerated. Thus saving would be worthless for the investor, so he must abide by the terms and conditions provided by the credit institution.

To choose the best possible conditions for themselves, it is advisable to face each other with the various credit institutions. Why should the deposit be compared the financial market is a heavily umkampfes area. More and more market participants are involved in the ongoing battle for the best position. Every year thousands of credit institutions are added and for the customer, it becomes increasingly difficult to find the perfect lender for themselves. Certainly, he can visit the regional banks, lead countless phone calls and appointments, arrange and manually compare the offers. Savers but can save you the frustration associated himself, if he simply online fixed deposit interest rates comparison chooses.

So he is facing the virtual provider and can opt for those, who has the best interest rates and other conditions are significantly better than the competitors. What is the fixed deposit calculator at the time deposit? The fixed deposit calculator is a virtual program that determined the best interest for the chosen duration within a very short time. Savers can advance calculate so an interest rate of Festgeldanlage, specifically to plan his austerity measures. The fixed deposit Calculator displays which interest rates currently grant which credit institutions according to different investment amounts and maturities. Savers can make manually the individual inputs, so how about the desired investment, that he is ready to leave with the Bank as well as the period in which he can waive this amount. As a result, he gets one then Sum that beckons him with constant life situation within this period of time. So he can determine whether the saving is worthwhile or not.

Qualification of Brokers

Special issue of the quarter: qualification and training of brokers and multiple agents Eltville am Rhein, 03.09.2012. The appropriate sales mood of brokers and multiple agents in the second quarter of 2012 its year low reached: 70.9% of surveyed agents are currently at least pleased to enthusiastically with the distribution of financial services products. Thus, a clear majority of the intermediary is certainly positive. Compared to the beginning of the year, it means that the atmosphere has eased in three quarters by a whopping 12% points. The reasons are broker perspective in the current euro crisis and the associated uncertainty and reluctance of end customers. But also the political rules and bureaucracy strains express III/2012, which has been carried out on behalf of bbg Betriebsgesellschaft Consulting GmbH by the management consultancy SMARTcompagnie GmbH and analyzed on the mood of the intermediary, so the results of the online survey to AssCompact trend.

Product-trend indicator: BU is a top-seller product-The product-trend indicator shown in the study is used from the Intermediary opinions to infer possible trends and future opportunities for the different products. It is striking that currently a good sales potential is attributed to the disability insurance and this is seen in the future. The today’s top 5 products include disability insurance, private liability insurance (1), (3) home insurance, homeowners insurance and motor insurance (5). Qualified training opportunities In the current special subject of study, the mediator wish was illuminated the qualification and training of brokers and multiple agents from the perspective of the agent. To view the current results of the investigation, that the participants in the average visit six presence events and take part in twelve Webinars per year. The statements of the intermediary to the relevance of education certificates and certificates as well as satisfaction with individual, completed training are also exciting. More questions to this Issues were among other things, how much time on average will be invested in the training and which companies or which establishments in the life, property, health, taxes and law categories offer the best training courses.

Federal Court

We want to sensitize more the dishes for the problems of insurance customers”, so Jens Heidenreich. The judges must be pointed out once the gaps in the legislation, so that they appropriately deal with the issue. And we succeed more and more and ever faster. Our network of lawyers who specialize in insurance and consumer law are absolute professionals”, explains Heidenreich. A regular exchange of ideas and experience there, which allows you to apply all knowledge in all other proceedings supervised by LV doctor. Just the unpublished note decisions of the courts and the Federal Court are known to only the network lawyers and are often the key to the success of the process. Legal expenses insurance assume costs for full premium refunds from Life insurance by he leads more and more individual cases in various courts, LV doctor gives additional importance this topic.

The insurance companies themselves give all people the opportunity to do: namely the right protection division. The increasing success of LV-doctor in court the legal expenses insurers to use the occasion, to grant more and more cover letters for the trial, even if it goes against group-owned life insurer. Because that is one of the criteria for that: a trial at all is how promising? If so, the success of the lawsuit is rather dubious, insurance will not take over the costs of the proceedings. An average of 7,000 euros payment of life insurance through the know-how of the LV doctor lawyers with more than 1,300 procedures that are pending throughout Germany, is properly getting. The various attorneys of LV doctor network Exchange regularly and get non-public so all the information such as the Note decisions, even if they do not serve a procedure.

They can then apply them in their procedures. Through this cooperation we combine our know-how and had more than 50 procedure submit until now within a short time court the Supreme German. The Consumer Council estimates the loss in life insurance on an average of 4,500 euros, the average claim amounts of procedures supervised by LV doctor is about 7,500 euros–this higher demand arises only through the back of a reasonable interest rate.