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.

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).