Dosterxa

Private health insurance does not prematurely terminate once privately insured, always privately insured. Stubbornly the myth holds, that privately insured can go back only with difficulty in the statutory health insurance. For this reason, some insurance in the face of the uncertain labour market from a private health insurance (PKV) cringe. Private-krankenversicherung.de online portal informs about options for action, when unemployment threatens. Unlike in the United States the mandatory health insurance in the German Act is anchored. Therefore the statutory insurance cover automatically jumps, if insured through the loss of employment are no longer able to pay their contributions to the car. Concerned however completely come out of the car, they lose their eligibility for the retirement reserves saved up to that point. Is anticipated that unemployment will not exceed a period of two years, shut down their contract can be insured.

You pay no contributions, and also that in this time Information about health status will be frozen. It is then a so-called Ruhensversicherung”. Insurance cases occur during this time however, the policyholder receives no benefits. After expiry of the two years there is the possibility of a qualifying insurance”to agree. It entitles sufferers to the later recovery of insurance. For this they pay a fee depending on the kind of entitlement, (small or large) varies roughly between 5 and 25 per cent of the originally paid contribution. Another alternative is the exemption from compulsory insurance. Such a request must be however not later than three months prior to unemployment.

In addition the people may have been not legally insured in the last five years. Request for exemption is granted, the employment agency takes over the costs in the amount of the statutory compulsory insurance. The insured person pays the difference between the agreed monthly premium. For more information: News.private-Krankenversicherung.de/…/ unemployment or – stay abroad…

Why is the care insurance so criminally neglected? The statutory long-term care insurance offer only basic protection. A care case a supply gap in the majority of cases, because the performance of the statutory long-term care insurance and their own pension not sufficient to compensate for the remaining maintenance costs. Why is the care insurance so criminally neglected? Because, when asked once in the circle of acquaintances, whether any member of the family must be maintained or has been maintained, the answers are Yes always”. How is it then that many people not on this topic consult? Especially where the statutory long-term care insurance not nearly covers the cost of long-term care. BECAUSE: The statutory long-term care insurance offer only basic protection. A care case a supply gap in the majority of cases, because the performance of the statutory long-term care insurance and their own pension not sufficient to compensate for the remaining maintenance costs. Even you may have to Members pay for the costs. Who want to avoid strong financial burdens for himself and his family, should complete a maintenance benefit insurance.

In addition, that the legislator says children are responsible for your parents! Here an example: your widowed mother suffering from dementia, and it is likely that she must be placed in a nursing home. Her mother has a pension of 800,–euro and a House paid-off, otherwise there is no asset. A recognized care level III and accommodation in an inpatient care facility, your mother gets carer 1432,–euro. Unfortunately, accommodation in such a facility costs on average 3000,–euros. If we now add up the pension and care that makes 2232,–euros. 768,–euros are missing so monthly. That makes cost of 46.080,–euro in five years maintenance. Well, can you afford it? Precisely for this reason, there are additional care.

Save the assets for long-term care. Here you will find the services of list of statutory long-term care insurance. It is a good news, now also the dementia disease recorded in the catalog of the long-term care insurance. But unfortunately there is not enough usually costs to cover. An older couple can not afford most to keep his house, when a partner must be maintained. As in the above example are 100.000,–euro assets consumed over 10 years. An insurance comparison in post performance and worth it anyway, because there are many different rates, and it is advisable to choose a plan which envisages performance also at care level I and II care level. Caution! Maintenance control occur before surprising situations. They get the prompt to pay maintenance for your father, they have not seen since their 3.Lebensjahr from the Sozialgericht. Whether you find it fair or not they are obliged to keep! Learn more about insurance under

These are criteria that must be chosen in my opinion so, because target is not a detailed individual assessment, but many good weighted tariffs, because only so can be newspapers to the customer and sell reprints to many policyholders. It is also not surprising that a tariff which is “Winner”, which not even provides services for end of life preservation resource containing no reasonable foreign regulations (or how to explain it the protection ends after 2 months abroad, although I can not return for medical reasons?) Also stays in joint institutions are not regulated, what happens if I want to go there / have and my insurance company the rehabilitation / consecutive treatment will not pay? In a pattern analysis you can see here how many different criteria there are here considered will need to / should. Deliberately, no fares are specifically named. That’s too little, because the selection and the importance of each criteria individually and very speziellist. Can a tariff which is good for one, as well as a smart or be totally unsuited to a van for the other. Evaluate which companies also ratings the same purpose. The positive assessment is publish, or have ever advertise companies with bad ratings see? Logically, it would not really help.

Therefore you will not publish them, finally one has paid them and can affect the use and publication. Before you so leave that are made on ratings and evaluations for a wide mass, find a suitable consultant, explain that your car selection criteria and what is important to you personally. Can a smart or be the described van with 8 seats – depending. And because you otherwise very long term decide for the PKV as in the car, take sufficient time, compare and analyse with a consultant specializing here and thus find the appropriate tariff.

The reason for this lies in the continuing trend of consumers, preferred short-term Contracts to agree. There is a clear reluctance on long-standing contractual ties to insurers, such as, for example, pensions for old-age provision. “So it is not surprising also that Germany’s broker a normal” demand behaviour of customers primarily in the area of elementary safeguards report: the 3 most commonly from 27 products in the last quarter were consequently also the occupational disability insurance, home insurance and private liability insurance. All door openers to the sustainable and comprehensive customer relationship in terms of financial services. My home is my castle while other occupational groups in relevant surveys also complain that the financial crisis into negative radiates itself up in private life, so the mediators here by far not so affected find themselves. While for example 87% of managers appreciate the image of their profession in March 2009 dramatically worse than a year ago, this negative perception just once applies to almost 29% of the mediator.

Throughout the Opposite: Almost 31% of brokers are convinced that the image of the intermediary in the public has improved in the last year. Still very interesting: 60% of managers said that her personal justification pressure due to the financial crisis has increased. The mediators are only”26%, which indicated that the personal customers, friends or family to have to justify himself, pressures. Light at the end of the tunnel but: there are some positive signals. So then but the optimists prevail in assessing the future: 44% of brokers expect an improvement for 2009 and are of the opinion that the year despite crisis overall is better for them than 2008 almost 19% expect a result as in the previous year. Facing the future after the crisis, the proportion of those who fear a negative impact due to the financial and economic crisis, is low.