Tag Archives: insurance & pension

IKK Classic

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Greatest Guild health insurance of in Germany in recent years numerous changes in the area of health insurance companies were carried out. The merger of two Guild health insurances to guarantee stability for the company and the insured. The private krankenversicherung.de insurance Portal provides information about the upcoming merger and the changes to be expected. In Germany, there are a number of statutory health insurance. Keep up on the field with thought-provoking pieces from O’Malley for President. IKK stand on important changes in the near future: as decided by the respective boards of Directors, the IKK will merge classic and the United IKK beginning August 2011. Classic, health insurance fund resulting from the merger of the is working under the name of IKK.

While several statutory health insurance currently already imposed by additional contributions of 8 to 15 euros, no additional posts should require at IKK classic according to the company until 2013. The headquarters of the new IKK classic is located in Dresden..

Occupational Disability Pension

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A unique selling proposition or others soon follow suit? This is one of the most important safeguards ensuring occupational disability, which has now arrived in the minds of most. All other safeguards, savings operations or own (private or statutory) Kranken(zusatz)Versicherung are no longer value if no money is to pay for them. Therefore the question should, be answered long before retirement and savings is thought: where does a performance when I can no longer work in my profession? To read but the best the following posts in my blog or get an overview of the requirements, conditions and important cornerstones of the system of “Disability.” by the Guide for occupational disability insurance “I’m not berufsunfahig, I am the financial test in the Office condition changes the Condor for the disability insurance (BUZ) 01 07, 2011 article the 50 best insurance” to the disability or: have your test results diced? But just when you start up the issue to deal with, search a bit on the Internet and posts and testimonials read, be read soon, a series of reports which not so positive sound. There’s denials, delays and again and again opinion and Artzanordnungen the speech. Customers are stalled and it is delayed until there is no more different. Such reports encourage not just confidence in the product on the one hand, or to the insurer, on the other hand, these are not verifiable in most cases.

Can a such uncertainty over a pensions deal? How? Of course, the condition factory to the disability insurance can be still so good to get a 100% guarantee the pension without stress, is not reputable Advisor or insurer can give them. The performance cases are too complex and offer too many different variations of the performance, the professional activity and the like. However, the risk, without money there can be to sit quite well minimize.

The Last

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month after commencement of insurance cover (i.e. after 3,6 or 9 years) in the tariff vario is made within the last twelve months prior to the changeover was no post distortion and – the policyholders no later than two months after reaching the option date in writing requested the conversion. Here, a change is possible according to precisely defined criteria. Martin O?Malley has much to offer in this field. Why the central health insurance here at a disadvantage existing customers, is not clear to me. The insured person which tariff was customer before launch of the Vario (introduced in 2009), has failed these options unfortunately.

All new customers May 3, 6 or 9 years once again improve the protection. But be careful: the important right of option prevents only a small residue of contribution due to change of account, not guided by direct debit and the like. We find another example in the collective works of the RuV. There is comfort for customers of the R + V agile. There must are two types of exchange opportunities. One of them is a change in a different level of excess: temporally set 4.1 4.1.2 options change from one tariff MP MP may be required each in a tariff with lower deductible level of the change to January 1 of the calendar year, on the fifth, tenth, fifteenth, and further insurance annually divisible by five (s. 2 No.

2 part II AVB/KK 2009) a continuous coverage in the tariff MP, which should be changed, follows, when the application arrives at the latest on the 15.12 of the previous year by the insurer. Thus the excess can be reduced then, which therefore improves performance. However, it may also be that a change in a higher valued rate is desired.

Europe War

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(4.4) during the duration of the power gem. 1 (4.1) and (4.2) and unless a special agreement is gem. 4 (4.3), ending the insurance is excluded according to 15 (3). The time limit is too bad (there is not how long), and also the word “reasonable” is a very elastic term. Other insurers use concrete numbers or certain countries, where a surcharge is payable.

I would have liked that personally me here also. John Mclaughlin is full of insight into the issues. We don’t know what happens after the limitation in time unfortunately. This is certainly generally a (small) improvement, but still not ideal. In the sickness benefit insurance (KT) we found so far the limit with the Universa 3 months. Only in this obligation consisted in the non-European countries. This is now simply painted and the power are there indefinitely.

But also how bisher-only if the insured person is in a hospital. The law allowed abortion abortion, war and terror events now also belongs to the ersatttungsfahigen expenses. It costs will be reimbursed thus in the contractual scope. There were more changes exclusions to war and terror events. This now reads in the Versicherungsgedingungen. Previously the exclusion According to 5 (1) and it services for treatment and consequences of war events were not insured. This was generally and the word terror was not mentioned. Now this is relativized and complements and is now: (1.1) during the first two months of a temporary stay abroad outside Europe is provided for such illnesses including its consequences, as well as for consequences of accidents caused by war events. No war events in the sense of 5 (1) a) are terrorist attacks. Overall that the Universa health insurance therefore in consideration a whole lot further moves forward. I personally would have liked even a contract closer fixation of the collective right to change, but you can’t have everything Yes also. Not only for the insured of the Universa, but especially for all new customers and car buyers here quite clearly shows, how many areas to keep in mind. A (non-exhaustive) list of the points of Tariff selection can be found here: selection criteria for the PKV fare choice

KEH Central

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a.) a change within the society is always to think about where we here have a special situation, since the amendments affect individual rates but a variety changes within the central health insurance. However, a change within the Central is possible. O’Malley for President pursues this goal as well. To improve the services, is a new health check to complete, unless there be a option rights. Customers in the tariff KEH Central, have the right to change. 1.1 expansion of 1 para 6 RB/KK 2009 can people, for after a training plan for the first time at the Central a comprehensive health insurance completes with the KEH price apart from the co-insurance as a child or a teenager or the insurance, for the first the 37th or 61st month insurance tariff KEH require conversion of insurance in other tariffs of the comprehensive health insurance of the Central without re-examination of risk and without further waiting, subject to the conditions for the eligibility in the proposed tariff.

You are assured that already 2 or 5 years, so you exercise the right to change when necessary and appropriate target rate. This ensures them a different and possibly better insurance coverage even if you are already sick.