Monthly Archives: October 2015

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 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.