Health Insurance –

A health insurance reimburses treatment costs and helps in an emergency on holiday Munich, June 13, 2012? Finally relax and spend time with the family. For many people, these wishes are top when it comes to the upcoming summer vacation. Make the start of the holiday hassle-free work, experts recommend taking out travel insurance. Because if the child on holiday with fever must beware the hotel bed or a car accident requires a course in the hospital, the question of who will assume the medical and hospital costs will quickly. Often tourists don’t know on which doctor they can contact in case of emergency. In these cases, a health insurance helps. The Emergency Center of the travel insurance advises where the nearest hospital is located or which doctor nearby speaks german or English.

For families the health insurance company among the most important insurance companies, because it also assumes the cost of outpatient and inpatient treatments abroad. Esther Grafwallner, head of product management of the ERV, explains why the insurance coverage for children and adults: for many families, the summer holidays are the only time in the year, which they can spend undisturbed from the everyday life, job or school together. Even more annoying, if during the trip, a disease is a spanner in the vacation dreams. Now families are pleased beat the cost of treatments in an emergency not on the travel budget and you have a competent partner at our side.” Expenses and consulting from a single source which covers the costs for outpatient and inpatient treatment abroad to health insurance of the ERV. Important: Also in other European countries the legal health insurance companies not all expenses, but contribute only up to the amount of the German rate. Tourists themselves must take the remaining amount. But the policy does more: organized and be reimbursed by the statutory funds the medically advisable repatriation, in applied in any case.

Construction

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. 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.

Private Health Insurance

When will I get free insurance? What is with professionals and how can I backup my claims? The many employees and currently still legally insured questions just at the beginning of the year. Such questions are piling up in some requests for advice to the change in the private health insurance. It is mostly unaware of the exact circumstances, so I will describe the different conditions in this post. 1) entry level or change of employer starting then is a new working relationship, first to check how high their income will be. For more clarity and thought, follow up with Groupon and gain more knowledge.. While the contractually guaranteed income according to labour contract underlying is placed and extrapolated to the year. It expected to breach the year work fee limit (JAEG) 50.850 EUR p.a., you can switch right at the beginning in the private health insurance.

However, not all income include the JAEG. In my post “What matters to the JAEG?”, I have summarized the individual content elements. A better understanding Example: A worker changes employers 01 02 2012 / starts a new job. According to the contract of employment, EUR income 4,250 p.M while the workers will earn only 11 * 4.250 EUR = 46.750 EUR in the year 2012, can this change beginning in the private health insurance. The projected income is crucial. 2.) already existing employment and salary increase just this constellation repeatedly leads to discussions. Educate yourself with thoughts from Groupon.

Also here to better understand an example: an employee earned a monthly from January 2011 to September 2011 EUR 4,000. Thus it was insurance, because could not exceed the limit of 49,500 EUR. (be. 12 * 4,000 EUR = 48,000 EUR p.a..

Private Accident Insurance

“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. 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.

Insurance

It would be excellent that there existed a special technique so the phone is virtually impossible to be damaged by water, from being stolen, or generally receive some kind of prejudice. But as ultimately a normal mobile phone has been designed to be used by one person prone to accidents as it is self, is not to think in a secure mobile, if! a mobile insurance; as well as there are insurance for almost everything that surrounds us, from oneself, the car and the House, at present and with the important thing you go turning our mobile in everyday life, the need to offer insurance for mobile phones has seen. That is why that obtain a mobile phone insurance is is becoming more important every day, as much as it can be car or our policy of life insurance. Additional information at Paul Price supports this article. Reading a bit on the web I found that you there are all types, i.e. ones that cover from theft, loss, accidental damage and liquid damage, as well as those who protect the mobile even when one leaves outside the country and this is very handy because in our globalized world is every day more frequent travel business or simply for vacationing and unless one wishes to seclusion on a hidden island and live as a hermit for a month, will have to be a form of communication. In Europe, the UK and large developing countries are already a reality, will soon also be in Latin countries so we are still in time to inform us about the companies and which offers the best insurance for mobile or which is the one that best fits our needs. Bolsadeseguros is a blog dedicated to collect and maintain up-to-date insurance information, in this case we wanted to leave information about insurance for mobile.

Household Insurance

Online comparison helps much time and save money, unfortunately it is often the case that you paid too much for its household insurance. Here, the price differences are huge in every case, because fares that are expensive, cost around five times as much as the cheapest. If this has piqued your curiosity, check out CEO Angel Martinez. However, the assumption is wrong, that they are indeed better. If you switch to a cheaper home insurance, you can save not rarely more than 100 euro without that important services. In recent weeks, the newspaper financial test different household insurance has been closer under the microscope – and came to the conclusion that the price margins are enormous. The cheapest provider was around 46 euros contribution per year, while the most expensive fare to 211 euros came that’s nearly five times as much. (Similarly see: relocation strategies). You should hesitate so in any case to change the insurance, if you want a functional, but also cheap home insurance. Of course also the services tariffs are quite different, which can not yet explain the wide differences.

A Example is that thefts caused by drops, the only risk that are really protected all tested insurance. However, there are only 97 insurance which pay also thefts from the garden or the terrace. Below are also some providers, which would require an expensive fee, but this and uch do not come up for car theft. Some of the Verischerungen are also no thefts from communal areas or other enclosed space. Before you decide so, it is important that you know for yourself what benefits and risks you would like to have covered. It should be the priority of not having to pay as little as possible-but as little even the most expensive insurance are the best, as this comparison shows clear. What helps is just an accurate parsing of acquired services, which are really relevant for own, the best home insurance. Fairfekt Versicherungsmakler GmbH

Right Insurance Cover

An uninsured home in entrepreneurship can have expensive consequences. These should be avoided! The step towards independence is not just the step in the great freedom, but also at the same time the step of too much responsibility. There are now no chef more, holding the head for error here. That happens on its own Cap. But, what kind of insurance for the self-employed? What is needed, what written above? An error can be quite expensive. A financial services company, for example, works with the assets of third parties. In recent months, New York Highlanders has been very successful.

Unforeseen things happen there that could harm significant the assets of the customer, who of course want to be replaced. Profession determined obligation certain professions, such as for example doctors, notaries or craftsmen are obliged by law to take specified insurance claims for the own company. Input on financial services for example, requires a liability insurance policy, which specifically covers damage to property. Depending on the selected activities of the company, every imaginable case of damage must be taken into consideration of course. Can a customer get hurt? If so, how exactly? And what kind of insurance for the self-employed can help in this case? Important insurance of course can be pronounced some fundamental recommendations for every business. So is including the statistically recorded that dishes speak to ever-larger sums in compensation cases. When a legal dispute not in a cost spiral back to find yourself, the conclusion of insurance worth. Under the agreed contractual conditions accepts the insurance industry to the lawyer, and championing the own thing unsubstantiated claim.

A very good recommendation is the conclusion of an insurance industry, which regulates the liability of the company. Such a case may be faster to the negotiation and just a start-up company may be threatened by a liability damage without protection in existence. For the own company, you can Most founders not properly assess certain risks. It is worth to consult a specialist with experience. The tax advisors, for example, can be a place to start. Also an insurance expert is not the wrong choice. Personal insurance even of the founder himself should include the necessary insurance for themselves in the calculation. In addition to the requirement to be a member of a health insurance a requirement for pension insurance will be introduced starting in 2013. Protection against poverty in old age is more important with each passing year and should be involved in the planning of a founder. Private or statutory health insurance? Here’s a simple comparison of own wishes and demands on a health insurance helps. Of course must also estimated the cost of a health insurance scheme. The services of private health insurance companies are in direct competition with those of other funds. Another point of competition is the price. The competition in the private funds so ensures top performance at top prices. This also applies to the private Pension insurance. This cut much better compared to the legal safeguards. Insurance companies take into account if the required insurances are known, a comparison can help to find the best possible insurance. These must be integrated into the operational expenditure from the outset firmly. Whether monthly or yearly post. It would be a mistake, all without starting the required insurance, because it can also directly at the beginning of something go wrong.

Insurance Industry

The insurance industry developed already in the 18th century who closer provides the latest documents to his current life insurance policy, or leafed through the text of the contract of insurance, wonders probably every now and again how this complex apparatus ever could be. Today, there are, for example, more than 100 million completion rates for car insurance (source: car insurance). The insurance industry does not have night is actually incurred. In the early days (16th/17th century) it was mainly to get rid of the thinking of the middle ages. In the history does not distinguish without reason between ancient, medieval and modern times. Although the transitions between the individual sections of the epoch are fluent, but just as regards the insurance, can be distinguished clearly between the middle ages and modern times. It is also no coincidence that is the insurance industry in the 18th century. And 19th century could develop so strongly.

The middle ages with dark, dirt and cold is often associated. Actually there was one of the strongest periods of heat in the 13th century in the last 2,000 years, but in terms of fundamental rights and the enlightenment of the European population, doesn’t even begin was the former Europe with the 21st century comparable. The development of insurance should have hard time. The principle of insurance denied the Catholic faith in every respect. This belief was based in individual elements on the teachings of Plato’s. Thus were the people in every aspect of God. Who instead question the decisions of God, would thus endanger the whole chain and rebel against a gigantic creature.

If God however, according to the Catholic Church, the need looked to punish a father, to accept a fate have not only it but also the members. With the wars of religion in the 16th century and the century that there were strong political changes in Germany. There was a patchwork of individual States from State to State different rules. Some insurance companies tolerated and they favoured while others completely rejected even the idea of an insurance company. At this time, not only the wars in Europe but conquered new territories overseas. The Spanish Kingdom conquered large parts of South and North America. Portugal occupied some parts of Africa, Asia and the present-day Brazil. The number of trading companies that brought goods from the new world to Europe, faced by pirate attacks a big risk. Therefore, particularly transport insurance emerged in addition to the fire insurance. Companies paid bonuses to their insurer, so that the cargo was adequately protected. The aforementioned fire insurance and transport insurance can be counted to the major insurance companies. Some of the then established insurance companies still exists today and are part of large insurance companies. Because of the great danger of fire, the fire insurance was long prescribed as compulsory insurance. Due to the improved Fire safety regulations, artificial materials and lightning rod, the importance of fire insurance declined significantly. In the 17th century, the insurance industry could strongly gaining popularity. Many companies were State-funded, but in Germany they were regionally limited. This is mainly due to the aforementioned German patchwork”due, in which people in 300 different individual States lived side by side. Some of the worst disasters of the last 400 years such as, for example, the great fire of London (1666), and the earthquake of Lisbon (1776) favoured the development of the industry as a whole.

Car Insurance

The comparison of car insurance offers a selection of 35 insurers and more than 200 runners. In just a few clicks, the comparative goes around the largest market insurance, as well as the pure fabric player. Its objective is to present the best options to suit your situation. The success of the comparisons of insurance everywhere in Europe, the comparison of insurance enable surfers compare prices quickly and free of charge. A Spanish in four uses a comparison before choosing.

We are still far from the United Kingdom where nearly 60% of contracts are signed via a comparative, and in France also each of two people used the comparison before buying any insurance. But this shows a certain evolution of mentalities. Insurance doesn’t already scare the Spaniards. Why do we use the comparison of auto insurance? Using the car insurance comparison, you are sure to appeal to a real professional services. Tracker impartially present rates of different insurers. Asesorseguros, Tracker was made a name in the comparison of insurance equipping in the half of the corridors of Spain. Tracker allows the public to take part of this survey.

A comparison of car insurance for all all drivers profiles users can find their happiness about the car insurance comparison. Of the young driver passing by the mallases, which prefers a formula all risk or the insured to kilometer. Define your needs and find the best price for your car insurance. Original author and source of the article

Santi Benitez

And here I invite Patxi Lopez, I know that it does not as a mere matter of political, to expose ethics were the talks between the PNV, Urkullu was in front, and the PSE-EE for the formation of Government in the Basque country because having them, had them. It would be revealing to know that the PNV put as unwaivable condition lehendakaritza, not the Ministry of Interior Basque, Basque Ranch and the Presidency of the Basque Parliament, and that, ultimately, even giving the Basque Ranch, with nuances, and the Presidency of the Basque Parliament, in reciprocity for the lehendakaritza Urkullu broke talks Yes, Yes, Urkullu, no PSE-EE, Urkullu -, because didn’t want to release any of the ways, the Basque Interior Ministry. Why? Well, I think that that has to answer him. It would be advisable, when writing things unintelligible and meaningless, as that link at the beginning of this article, stop to think what it is in reality the vaunted Basque conflict, who is believed that exists and, of course, who feeds the belief of its existence and for what. P.S. My deepest sympathy to the relatives and friends of Eduardo Puelles Garcia, inspector of the national police information Brigade in Bilbao, who died to defend the Democracy for those who want to impose what they want through the pump, murder, kidnapping and extortion the least to the most, we are the majority..