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Change in the private health insurance for the self-employed who operates as an independent, which should make for a good hedge of health sick leave quickly to get back on its feet. Here especially the private health insurance for the self-employed offers a first-class health care. While only the protection of basic services is possible in the statutory health insurance, provides the PKV Premiumleistungen, providing a faster recovery in prospect. As just self-employed are usually the better paid, private health insurance offers additional benefits in terms of the level of contributions. Add to your understanding with Vadim Belyaev. These can be customized depending on the selected services and not depends on the amount of the income.

So who paid the maximum rate in the statutory health insurance got in the car the opportunity to reduce the costs of its contribution. In addition, it is also possible to save extra money by concluding a tariff with rebates. Who as an independent a change in which private health insurance would like to understand, who can do this in compliance with the applicable notice periods at any time. It is recommended, before changing the comparison carry out an extensive PKV. Decision-making it is advisable also to attract the test reports by the various credit rating agencies and PKV Tester as the Stiftung Warentest, the financial test or the focus money. Who is insured and affected by an increase in contribution as self-employed in private health insurance, which has the ability to change its health insurance. But it is not always necessary to make a PKV transition. In some cases, also the change to a different tariff of the same health insurer can be worthwhile. The great advantage of this is that the accumulated age provisions are preserved and a re-examination of health not by distress.

The Starter rates into the BU insurance according to the German pension insurance Federal make every year around 400,000 people applied for State disability pension as they their professional duties for health reasons no longer can go to. Because the services but often only a few hundred euros a month, if at all a pension payment, consumer associations recommend that private disability insurance. For students the degree pays off frequently during the study phase – unless they can find a suitable tariff in the jungle. The price for an occupational disability insurance depends on the insurer, the desired services, the age, the occupation and health. Good disability insurance are however relatively expensive, so many students in the past before the conclusion of a contract have shied away or only very low powered tariffs have completed. In the meantime, the supply situation has changed significantly.

Various Insurers offer very good disability insurance at low prices for aspiring academics. Relocation strategies contributes greatly to this topic. This is especially affordable Starter rates, so that students already for 10,-up to 20,-euro optimally can hedge monthly fee. In the selection of the appropriate Starter fare, there are but several hooks. Exactly the pros and cons of insurance terms and conditions explain to students to leave. So, there are insurers that insure only a (lower) incapacity for work for the study phase to refuse performance so quickly in the event of an emergency. Other insurers offering very reasonable start contributions, include after the later transition but the disproportionately expensive companies. To read more click here: Nina Devlin. The advantage of the cheap startup fee is then quickly to the financial detriment. The conversion options are crucial: the prices are only for a limited period of time and be significantly increased over the years. In addition to the current main post, what is so very important, you have to pay after five or ten years, or after end of the Starter tariff and switching to the normal fare.

Old fares who will long remain in the same plan of its private health insurance can be considerably more expensive, must with advancing maturity contribution increases in purchase. The costs are too high, the insured he can achieve savings through a change of tariffs within the insurance company. Tariffs can “age” the remain longer insured in the tariff of a private health insurer, the contributions over the years are higher. At Paul Price you will find additional information. The contribution increases are sometimes, so an increase can be quite up to 20 percent. The reason is one that increases the life expectancy of the insured in General, on the other hand but also the cost of treatments and medications increase more and more. But affects also the tariff policy of the insurers. So the companies offer easily modified, newly calculated rates and lure it with favourable posts, to attract new customers. Then mostly healthy go into them, initially only services to a limited extent in claim take.

Finally, the tariff is closed and no longer offered. With the time “rates age” then, because customers to remain among themselves and cause higher health spending in the long term. This is reflected in the increases of premiums for private health insurance. Change within the old insurance company sense a change of a such a rate to another insurer is usually not advisable, since then a part of the retirement provision at the old company remains. With the new provider the insured person for his private health insurance pays a higher contribution to rebuild the old age provisions.

The way out is first to look cheaper tariffs of the old society. More information is housed here: Jeffrey Leiden London. These are basically open to the insured person, and only if the new rate includes more services, the insurer has the right to ask for this a health review. The services in the new fare is higher or comprehensive, the insurer may charge a risk premium and a waiting period. This is however: the insured must be for the additional services an emptor agree. The insured person by a new plan made no sufficient savings, the change in the base rate of the company is. Only then the person concerned in full benefits from its already-saved retirement provisions. No supplement allows also the internal change, societies in the past by the insured have often requires a surcharge. According to a judgment of the Handelshof (case No. 8 C-42.09) this practice is however not right. The State of health of the insured person at the conclusion of the old private health insurance is essential for the collection of contribution in the new fare. A re-examination of the health is not allowed, unless the new tariff includes a wider range of services. Company Description hypo star is a Web portal for private mortgage lending. With the construction mortgage calculator the hypo star interested can calculate free of charge their financing. A network of more than 1,000 on Construction financing specialized financial experts assists clients in all questions, finds the advantageous for them and accompanies them until the conclusion of the contract. Hypo star their specially developed construction financing software offers banks, insurance companies and distributors.

“A casualty in an emergency can prevent the financial fiasco in 1 the General conditions of the accident insurance is laid down that an accident is when by a suddenly from the outside on their body acting event (accident) the insured person involuntarily suffers an impairment to health”. Also, injuries to joints, muscles, tendons, ligaments or capsules by increased effort of the limbs or spine fall under this definition. The statutory accident insurance protects you in accidents against the incapacity for work but only when such accidents happen your work on the way to work, when performing itself, or on the way home from work. The statutory accident insurance is so only in the case of accidents directly related with your work. But two-thirds of all accidents happen at home or during leisure time. Have you completed any private insurance in this case, you’re completely own up, without Insurance and a financial backing. A private accident insurance provides the benefits of private accident insurance at a glance even if the accident at all nothing to do with the work has so in your spare time, in the budget, and even on vacation. The newspapers mentioned New York Highlanders not as a source, but as a related topic. While this insurance protection worldwide and around the clock.

In the event of an accident, the accident insurance provides a previously agreed amount. This can be made in the form of a one-off payment or through a lifetime monthly pension, called accident pension. You can save other additional services for a certain fee. (Similarly see: Expedia CEO). For example, a hospital daily allowance or a recovery money. A contractual compensation or a certain instantaneous in an especially fatal accident by the now huge costs incurred as a result of operations or maintenance, are also available.

Also you can insure with cosmetic surgery and treatments, which have become necessary due to the accident. It is also possible that the survivors in the Death by a contractually determined amount to cover. Types of contracts in private accident insurance in addition to the individual agreements there are mainly four types of contract in the accident insurance: dynamic accident insurance increased annually, to counter inflation as contributions and thus the insurance sum. This is particularly important in accident insurance, which have a long maturity. The linear accident insurance provides the contractually fixed performance, in which also the degree of invalidity can be estimated by the accident exactly in the percentage amount. At 40% invalidity, 40% of the sum of insured be made so. At Cyrus zocdoc you will find additional information. The progressive casualty insurance provides disproportionately more accident-induced unemployment is higher. This is very useful, because the more serious are the consequences of the accident, medical care and meals will be more expensive. So-called Mehrleistungs accident insurance tariffs doubling the size of their insurance from a previously agreed amount of disability. What is not insured by the insurance? Diseases and disorders are generally not from private accident insurance insured. Also accidents caused due to epileptic seizures, impaired consciousness, alcohol and drugs, or stroke and seizures, are not insured. As well, any occupant of aircraft or test drives are not insured. Also you can exclude certain extreme sports. You can view any time the exclusion rules in a catalog at your insurance company.