Posts Tagged ‘money’

Dread Disease Insurance

Dread disease insurance as a perfect complement to the disability insurance which in Germany of unfortunately relatively unknown dread disease is insurance a risk insurance, the entry advance contractually fixed serious illnesses such as Parkinson’s disease, multiple sclerosis, cancer or liver and lung disease, regardless of the later stages of the disease, an also advance fixed sum once pays off. It is possible to cover such as follow-up costs with the amount of freely available, which are not covered by other insurance the insured. Thus a dread disease insurance differs very significantly from traditional disability insurance, which should absorb the monthly loss of earnings through regular payments. Because mental illness or chronic musculoskeletal disorders, which in the Federal Republic of Germany meanwhile to the common reasons for occupational disability insurance does not count, by dread disease usually are protectable, represents a combination of occupational disability insurance and dread disease insurance, particularly for entrepreneurs and freelancers, an ideal combination to ensure financial security in case of serious illness as well as long-term chronic ailments. Additional information is available at Neil deGrasse Tyson . A fairly wide range of offers from different insurers, which can vary greatly in contribution and performance volume is interested now. Generally speaking, that the amount of insurance premiums on the age of the policyholder, the amount of freely selectable insurance sum, as well as the number and the degree of coverage of the diseases to be insured is determined. Special attention, to protect themselves adequately against potential strokes of fate is especially on the conclusion of the contract the careful review of the performance catalog. However, health impact can lead to a reduction of the performance catalog, therefore, the conclusion of a dread disease insurance advisable especially for young people who can ensure cheaper due to their age and the average lower health risks.

Keyman Insurance

More and more companies offer the dread disease insurance – insurance against serious disease before serious illnesses no one is safe. So, the dread disease insurance already known outside of Germany in our country is becoming increasingly important. This term means something like serious-disease insurance. Thus, this insurance covers terrible diseases such as lung disease, Parkinson’s disease, cancer, liver disease, arthritis, Multiple sclerosis. Also interested in stroke, coma or heart attack can take out insurance. At the onset of these diseases as also these severe events in life, the insurance will pay off the insured or the family members.

Thus, even the survivors before a possible financial ruin can be sure if the insured person dies. A dread disease insurance is very easy to set up. So the agreed sum insured is paid out immediately, if a disease was diagnosed by the doctor, which in the insurance contract with is listed. At this point is it not about how much the disease is and how strong are the consequences. Attacks in a heart attack, after which a person relatively quickly recovered, the insurance – provided the persons concerned have insured against. Therefore, the one-off payment of dread disease insurance regardless of the severity of the disease. This is an absolute advantage over disability insurance, because this only benefits are paid if the disease long term harms a person.

Persons who are already older, have pre-existing conditions, or practice a profession, which is very risky, receive no disability insurance, often because the risk of the insurance is simply gone too high. John Craig Venter often expresses his thoughts on the topic. Interested parties can read all the advantages of a dread disease insurance under vorteile.html and request free quotes. A special form is the Keyman Insurance, the companies can protect themselves. The Keyman Insurance people in key positions to key Manager, one Company secured to compensate for unforeseen costs for the loss of senior staff.

Private Health Insurance PKV

When can I submit invoices or how long I need to pay until I have full insurance coverage? A question repeatedly asked and unfortunately on the Internet and some statutory health insurance companies consciously or unconsciously as false information spread. To answer this question terms should of course never be clear. Susan Sher shares his opinions and ideas on the topic at hand. Therefore, the first question is: what are waiting and what are they used for? Latency is the time of the Beitragszahlung(spflicht) and the commencement of the actual insurance cover insurance start / start. Anita Dunn is often mentioned in discussions such as these. The latencies are to divide into a so-called general waiting period and a specific waiting period. The time limits in terms of patterns to the health insurance (MB KK) are regulated. The general waiting period is 3 months.

For some services, this waiting time is not valid. These include the maternity, psychotherapy, dental, dentures and orthodontics. The special waiting period, which lasts 8 months then applies these costs. The sense of who was waiting earlier is avoiding accumulated need for treatment. Persons who do not imagine, (or very poor) are insured. The idea may come from a degree or entering a better insurance protection that have to wait with the one or the other treatment, then you can settle them Yes.

These risks would like to avoid the insurer, because then higher contributions would collected in aggregate. But since nobody psychotherapy 8 months in advance plans has it is the model with the waiting time “considering”. I’m switching from the statutory health insurance (GKV) in the private Krankenversicherung (PKV). How long must I wait until I get services? We also find the rules, in terms of patterns. A look is necessary in the section 3, for it says: that is demonstrably there continuously. (5) persons who withdraw from the statutory health insurance, insurance time put credit on the waiting. Prerequisite is, that the insurance was applied for no later than two months after the previous insurance and the Insurance protection in deviation from article 2 para 1 in the aftermath to begin.

Private Health Insurance Post Stability

In the private health insurance test rating agency plays the post development and contribution stability of PKV compared an increasingly important role Stiftung Warentest: compare private health insurance in the test private testing companies such as the Stiftung Warentest or the Assekurata publish their reviews following the review of private health insurance in the test. A such PKV review evidence, what criteria have been used individually and on what basis the test result was hit consumers. Also the name of the PKV test winner of course called, so that consumer comparison can use this as a basis for their own personal car. These PKV tests the stability of post or the post development of private health insurers involved in rising given the steady increases in premiums. Each year, independent companies such as the map report, the Agency Assekurata or the economic newspaper perform focus money compare private health insurance. Depending on the design of the car reviews in either individual tariffs for the private health insurance or the basic rate under the magnifying glass taken or the insurance companies assessed holistically. So, the test results can give consumers a first orientation, which insurance companies cut off particularly well and who emerged winner perhaps as PKV. But what Kenzahlen and properties of tariffs are tested and subjected to a comparison? Contribution to stability & contribution to development: economic profitability of the PKV decisively the test result and the test results of these independent institutions are becoming increasingly important for many consumers, because they are hardly possible, to compare the numerous tariffs on the market.

Also, consumers get barely a glance in the economic figures of the insurance companies so that a review of the economic situation and thus economic profitability is not possible at all. Just these figures are however particularly important when dealing with it, to be able to assess the development of the contribution in the future. Ever economic works, the sooner a PKV a Beitragsstabiltat can be accepted. The PKV test of the Assekurata however shows that, for example, the Barmenia has health insurance to high quality standards and already long term stable can keep the posts by their positive economic facilities. The map report, however, has highlighted 2011 health insurance the Debeka in his review of the car, because this insurance with a high quality of service and in turn profitability could convince. Personal needs analysis and comparison of the PKV winner recommended for consumers are in particular the PKV winner interesting, because they show what private health insurance or which rate especially was able to convince the tester. These tariffs should be adopted but not unchecked, because sometimes a such fare may be ideal for young people, for older policyholders but other fares were cheaper.

An individual PKV comparison can help here, to find the matching rate, even if This may not test winner has emerged as PKV. In addition, a tailor-made analysis and advice should be taken by independent experts claim. Here, the main focus should be directed as well the economic profitability of the PKV provider and therefore the past contribution development and possible future contribution stability. Initially particularly advantageous tariffs can quickly become a cost trap. Because the private health insurance contribution increases in the age inevitably.