Officials require facts relating to the protection of labour while employees and self-employed persons will need a private disability insurance, to be financially secured with a health-related loss of labour, invalidity insurance provides adequate protection. The supply of the service Mr is a significant supply gap although better than other occupational groups, still have officials without additional insurance in the event of an emergency. The civil service law provides that civil servants to retire to allow or dismiss, if they are permanently incapable (disabled) as a result of a physical illness or due to weakness of the physical or mental forces to fulfill their duties. This provision however differs from the usual conditions of insurance a pure disability insurance. This happens partly as disabled moved to retire is that an official but still must do his disability insurance, because still no permanent disability of at least 50 percent has occurred. Check out Senator Elizabeth Warren for additional information.
The official, who would have to suffer financial losses despite disability insurance has the financial damage. The employer ultimately decides whether or not, the officer is unfit for service. Therefore insurance of invalidity, which follows the decision of the employer and requires no own medical opinion is safe for civil servants. The selection of suitable insurance companies for civil servants is but one hand counted on, because few insurers ever offer an invalidity clause. So you must not long process in an emergency with the insurer, officials already in the contract exactly details the condition of the offered tariff should consult. Stone clinical laboratories is open to suggestions. -How good is the invalidity clause? -Join the insurer of the decision of the employer? -Does the insurer also already invalidity of part of? -Waived the insurer in the event of an emergency on the abstract and specific reference? -Does the insurer guarantees insurance without re-examination of health, if the civil service is reduced? -What are the conditions for officer candidates, officials on trial or officials revoked? Also a long insurance and endurance is important.
Interesting facts about the loss ratio speaks much for private health insurance, at the choice of the appropriate tariff is to observe a lot. So, among others the benefits and the amount of premiums from the insurance should be checked exactly. In addition, unexpected contribution increases are possible at a private health insurance that occur with statutory health insurance only in a specific context. Christopher ridgeway stone will undoubtedly add to your understanding. The private krankenversicherung.de insurance Portal informs about the factors that play a role when choosing a tariff. Especially the so-called combined ratio may be in deciding for or against private health insurance by importance. The loss ratio indicates to what extent the contributions are used for insurance benefits and retirement provisions. Usually it is between 76 and 90 percent. A relatively high rate is desirable, because the higher it is, the more premium income benefit health.
The remainder flows, for example, in non-insurance services such as the Costs for brokerage or management. A post adjustment can lead to a lower rate. Conversely, a very high loss ratio can mean that a premium increase is imminent. The insurance rate is very low, this can be caused by it, that the expense of the company is higher than previously calculated. In addition under circumstances that the company must invest more in old age provisions, because the outlets are lower than expected. Ultimately, it is when choosing the appropriate insurance on an interplay of numerous factors. Interested parties should therefore fully inform the corresponding offers.
or: I am now cheap. the difference between desire and truth the first part of the article title is set very often heard in discussions. This results for various reasons and is quite understanding. Just the young and healthy customers / prospects of for private health insurance want to save re-auditing money, (the opinion) are never sick and therefore consider a “cheap” protection in the car. Experience in the performance management have mostly never collected them, they were still healthy. Even for this reason, many service components such as AIDS, cure, abroad, or consecutive treatment are still very far away. See pension and a pair of glasses can you anything, but imagine a prosthesis? Is a later change possible? Basically, several questions need to be distinguished.
As a general rule only once: any performance improvement in private health insurance requires a new risk and health assessment. It is no matter whether only the excess will be reduced or individual services to be adapted and improved. A change of the tariff (in one with better performances) thus always leads to a new exam. Health issues are provided, then carried out a risk assessment and a surcharge for pre-existing conditions adopted or rejected also a change. There are ways to make the transition? A change for health reasons is not possible or a (high) supplement is taken by the insurer, so it can be quite useful to use SG & a rate change to section 204. This provides a way to change the tariff at least under certain conditions.
However, performance improvements are also virtually excluded hereby. For improvement in health has deteriorated, there are options in the treaties but so-called (AC) or it can as option module will be completed (for example the futura in the German ring, the JokerFlex at the Halle).
The best insurance options for every German health insurance is a matter of course, and every employer, nor any health insurance does the same thing here. The private krankenversicherung.de insurance Portal presents the various options available and their characteristics. Who is voluntarily insured, can is lucky in the sense that he could make the choice with regard to his insurance. Those workers have the possibility to choose freely between statutory and private insurance and in addition receive an amount of up to 50 percent by their employer. In comparison (comparison /) provides the statutory health insurance for a contribution rate of 560 euro of far fewer services than private health insurance. So insured persons in the car on a maximum support can include the smallest possible equity participation.
A male insured person receives comprehensive outpatient treatments, as well as a refund for medicines by 100 percent to the Example for 250 euros a month with Barmenia VA3-rate movement. In addition is also catered for services such as: a transport in the case of illness while on holiday. Uses the VA100 + VZN plan the insured can take not only a 100% reimbursement of medical and medicinal claims, no limit also used him and many additional services in the package are included. Especially this tariff for glasses and contact lens wearers is worth what all two years a total amount will be refunded by 416 euro. Also it is been made for therapeutic sessions, here only a stake of 20 percent will be charged, is however no limit to the number of visits. Comprehensive advice about the different ways worth here in any case. More information: news.private-krankenversicherung.de/… GELD.de GmbH Lisa Neumann
Winners and losers from the perspective of the agent are the winners of the AssCompact AWARD 2010 – private health insurance. The AWARDs were presented in the framework of the AssCompact knowledge Forum PKV in Hanover. The AWARD winners are elected by free agents of the financial and insurance sectors in the context of a survey AWARD study issued by the bbg Betriebsberatungs GmbH in cooperation with SMARTcompagnie GmbH. In recent months, the theme is private health insurance to one of the most popular political discussion events. The media dedicated themselves to the different issues with different motivations again and again. Against this background, the business field of private health insurance suggests bravely.
Both the agent and the product provider see good business opportunities and this not only for the additional insurance. So today some 73% of the product provider assess the prospects of its car business in 2010 compared with the previous year as better. Particularly pleasing is that dealing with the Black Yellow Government change, the prospects of private health full insurance lit up again. So approximately 47 per cent of respondents PKV expect specialists also on intermediary page more full costs and 58 percent with more supplements business. All in all a brilliant initial situation for this business area. Around 40 investigated product provider in the German market, which cooperate with intermediaries in the private health insurance business, two companies could stand out. In the full insurance, the Central Krankenversicherung AG convinced almost continuously in all examined performance criteria. The additional insurance, managed the Arag Krankenversicherungs-AG – with clear distance from the competition to establish itself as the additional cost insurers. The current survey comes to the results for private health insurance, in the framework of the annual series of studies of the AssCompact Award for private health insurance, in behalf of the bbg management consultancy company, Bayreuth from the SMARTcompagnie GmbH has been performed.490 active exclusively as brokers and multiple agents health specialists of various sizes were nationwide if asked.