Tag: insurance & pension

More safety in case of damage even the best riders are not immune to accidents. Sooner or later it can affect anyone, and then vehicle owners should have appropriate insurance cover. The finance portal geld.de explains the importance of car insurance. Many vehicle owners have to fret around with Marten damage or hail damage. In addition, quite a few drivers will be whether fault or fault sometime in accidents. Auto insurance pays for itself in such moments. These include various types of insurance, the most important of which represents the insurance. Every car owner in Germany is obliged to take out an insurance, and protects it against claims for damages, for example, for damage to persons or.

The insurance tariff depends on the provider and is calculated according to criteria such as the age and the driver’s accident past. Who’s driving several years accident-free, may with premiums or Expect reductions of the insurance fee. Partial or full insurance is still important. The conclusion of such insurance is voluntary, but they guarantee additional insurance protection, for example, in case of accidents with animals or theft and fire. With a full insurance takes comprehensive protection in claim the insured person, committed but also even to specific performance requirements. So a damage report must follow for example an accident mandatory within a week. Is agreed upon the payment of an excess, so the rate can be reduced in the framework of a partial cover insurance.

What is appropriate, what object? Read what you have to keep in mind for the car and the billing of services. Educate yourself with thoughts from Anu Saad. Usually it happens and even without the knowing insured them. The insured person looks in his insurance conditions and there we find the following Fomulierung: apply as a remedy for elimination and alleviation of serving diseases or accident sequelae and treatments like inhalations, physiotherapy and exercise treatments, massages, hydrotherapy, packs, heat treatment, electrotherapy and light therapy. In addition is: refunds will be made to 100%. sometimes even extends to the afterthought… at reasonable rates. As a concrete example from last week, we take an invoice of a physical therapist, which provided the following costs charged. Since the customer came from a 100% refund, had to teach but better, because these costs were not adequate. Anu Saad shares his opinions and ideas on the topic at hand.

Do you feel adequately cost for a physiotherapy for back pain of 26.80 EUR for a treatment? The will very difficult to judge and also be dependent upon where you live. Here, in the idyllic North not probably still to get under certain circumstances, in the city of Frankfurt. The insurer otherwise tell the (also at the customer) and wrote: and now? How should the client know what sentences are appropriate? He called his insurer, the HUK Coburg insurance, and inquired. He got the statement you use, the “rates”. tion and gain more knowledge.. Funny thought the customer and asked. “I’m not entitled to aid and also no official or employee in the public service.” Can you please send a list of me?” Answer: No, that you find on the Internet.

“And on what basis do you do it?” the customer wanted to know more. Answer: “we do always.” Note: I have this written on the insurer and asked to answer. I do this then here. As a customer relies on a statement in terms of (being in the HUK to any wording is ‘appropriate’ or ‘100% ‘ in there,) but only the top first quoted text. Even worse, because here other insurers have added an additional formulation and write: the refund up to beihifefahigen maximum rates. You find these in the State aid rules of the Federal Government (direct link) or the countries. If you are an officer, you know it probably. But who is thinking about aid levels as “normal” insured with a private contract? And what if the legislature changes the rates? Look screen in your own car what do you find there in AIDS? Otherwise call ask for and insist on a written statement. Should there be a separate Directory in the enterprise, let this send up and compare this with the aid rates. (See page 45) Even Please note: the rates of inflation are adapted? When are these verified? In our case the KG, we find the solution on page 45 of the State aid rules of the Federal treatment. Maximum according to aid 19,50 EUR. Thus, our customer had only 195 EUR instead of the paid 265,80 EUR. This corresponds to one additional equity from 70,80 EUR or otherwise said 26% of the invoice amount. If that was wanted in the contract? Now, this amount is manageable and quickly paid. Keep in mind however, strokes, accidents with bone injuries etc oftlangfristige treatments are necessary. 100 treatments are as commonplace and thus threaten high equity investments. Therefore, consciously choose your health insurance and the selection criteria.

Through a checking account balance interest to mitigate falling income for savers, the current interest rate level is a horror. No joy comes up at rates slightly below the rate of inflation. Who would like to earn more return, which had to choose other products as a tag account or passbook, but also lacks good alternatives. In addition also the risk and therefore the risk of capital loss increases with the return chance. Who safely and flexibly would like to invest his money, which get around hardly a day money account. Currently, must you settle unfortunately min low interest rates and should focus more on the areas, where you give away potential income. Possible interest receipts in the giro account many savers continuously compare the day money rates and switch providers because of minimal interest rate differences more often. Inflexible, many savers are choosing their current account and give away potential income as a result.

There are some current accounts with deposit interest rate. Some banks pay interest rates of 0.5% on the deposits and in some promotions sometimes over 1%. Ongoing interest on the account balance interest rates by 0.5% make no heart beat at first glance, however, most people here forget that the entire credit balance on the account will be paid interest. On a day money account only the part is remunerated, there was parked. A giro account know probably his highest credit on the day of the receipt of salary.

Usually the larger fixed costs (such as rent) will be charged in the next few days. Almost every day more withdrawals and card payments are added to reduce the account balance. A small part of which should be consumed directly in a month, can be transferred to a day money account and saved. At the end of the month the account know yet little liquidity cushion on. The current account interest rate is, the interest income are calculated daily and credited quarterly or once a year. So not only the small account holders are at the end of the month takes into account and interest, but also the higher Account balances at the beginning of the month. In the best case no account maintenance fees and interest revenue on the checking account balance interest will make not rich one, but it is revenue that is given away, when one gets no credit interest at his local bank. The credit interest rate offered by some direct banks. Learn more about this with Eva Andersson-Dubin. These accounts have the advantage that they are offered free of charge in most cases. Another way to save money when you got paid yet accounting fees. Who want to resolve an account at his local bank, who can easily open a second account with a direct bank. To take advantage of the interest rate of the credit, the posting of content and the larger monthly fixed costs on the current account with the Bank should run however.

Students must provide proof of health insurance at the enrolment – but which one is right for you? If a student is considering whether he should opt for private or statutory health insurance, he weighs usually primarily according to the price. Both types of insurance offer cheap fares for students, the private is somewhat cheaper than the statutory health insurance. In addition, the statutory health insurance sets the limit for the student fares with 30 years or there is no term limit the 14th semester, at the private, the age limit is 35 years. Performance in terms of both versions fall apart significantly. Educate yourself with thoughts from Mark Hyman, MD. Decision often for life students should bear in mind always with all the advantages of a private health insurance, that a return to the statutory health insurance can be difficult.

That made the legislature aware so, he doesn’t want that younger workers privately make sure to return later in the then less expensive statutory health insurance. This begins already in Here too the PKV rates of study, are mostly cheaper, in professional life the benefits continue then. Only over 50 years would often like the legal protection due to greatly increased contributions, then it may be too late. But also young fathers to consider whether with two children and non-working wife not the statutory health insurance would be cheaper (what actually would be the case). Click Gina Ross to learn more. Should the income of Privatversicherten but above the limit of the compulsory insurance, the statutory health insurance no longer takes him. However, the health insurance via PKV has so many benefits that many students decide for them.

Differences in the health insurance depending on the selected tariff of private health insurance fail greater than or less than the differences between car and statutory health insurance for students. The main differences can be described as follows: doctor choice: the statutory health insurance student must choose the Panel doctor, PKV insured persons have free choice of doctor. Screening: In the statutory health insurance these are made primarily According to legal regulations according to SGB V, in the car but after collective and only minimally due to legal regulations (i.e. GKV comparable). Dental treatment: GKV: finding related party grants, PKV: partial 100% refund after collective visits to the doctor, health and AIDS, medicines: GKV patients pay the fee by 10 and provide a supplement to medication. All of that is eliminated in the car. Hospitalizations, treatments: Introduce the statutory funds, patients pay up to the 28th day of 10 daily. In the PKV, there is a free choice without surcharge, leaving the tariff must to cures. There is no doubt even more differences. Students should therefore carefully weigh the decision.

or: What is to keep such promises exactly this statement I was told today by a customer. On my question why, he told this story: I am now 3 days dealing with the topic of private health insurance (PKV) and have interviewed four comparison calculator on the Internet, spoken to two consultants, had then called me. Three of the machines have recommended me this (Gothaer MediVita 500) tariff, another nor the rate of CVD by the Hanseatic League mercury insurance. Find out detailed opinions from leaders such as Dr. Caldwell Esselstyn by clicking through. I asked back as occurred because the “recommendation” and what criteria were created because underlying. The answer was “not scary” but as expected.

The prospective buyer told me on the following: “it was the excess should be how much, which supply dental treatment and replacement should be reimbursed asked. Continue to the asked me whether a performance for eyeglasses is important to me and of course even if I’m employed or self-employed. I have answered all questions and then there was the recommendation.” Let’s now once the criteria and the guidelines on and the rates: both tariffs offer of goggles replacement certainly, also dentures and dental treatment a sum will be contributed to X. Even a deductible levels is selectable. That would the criteria be met, or maybe not? The criteria here are completely unsuitable. Inappropriate because sufficient to even begin them unsuitable on the other hand, to choose private health insurance as a lifelong product. Imagine you wanted to conclude a contract for a home purchase instead of the car. The broker asks you what must meet the House because for requests and reply: “a Brown carpet must be in there remains at least a bath and… Oh, a roof must also have it.” It’s funny, or? Would you choose as your home? What about factors such as location, size, amenities, number and layout of the rooms and the like? All matter? Which of the houses would you do? < Find the colorful She dare something? Something to individually? That is, also the private Krankenversicherung (PKV) follows a uniform pattern, but is individually agree to personal needs.

Accident insurance and insurance for accident information why is a casualty in the fall and winter is important? Financial ruin can happen quickly if not properly insured is in an accident. Accident insurance is a very important insurance right now in the autumn and winter, because it secures the damage caused by an accident. An accident can happen quickly, daily. Then unprepared life changing circumstances arise which are anyway very difficult, for example, that you can no longer enjoy the regulated work. If it is then not sufficiently insured, the financial ruin is pre-programmed.

Accident insurance must in any case before an accident and be completed. Because you never know when an accident occurs, it is important to have accident insurance at all. What kind of accident insurance is particularly cheap and powerful? The comparison of accident insurance allows to compare all available insurance consumers directly over the Internet. The result will be displayed directly online and sorted by the lowest insurance first, that is to say, the accident insurance with the lowest insurance premium will be displayed first. In addition, the consumer finds more information to insurance companies. Information about accident insurance: to conclude an accident insurance it is no longer necessary to seek extra insurance agents, on the contrary, in times of the Internet. An insurance agent represents generally a certain insurance company, the name says it. The consumer wants but like to know what insurance there is and itself transparent to see an overview of the different insurance premiums.

The consumer comes his accident insurance, specifically on him so fast and well informed to its security in the event of the accident, personally tailored to, on the desires and needs that each accident insurance has. Thereby, the consumer has the advantage that he can choose his own insurance and the even after the best price. The performance comparison of accident insurance shows in addition when selecting multiple in question future insurance companies transparent and specifically, what are the differences of the insurance offers.