Hedge care case is not always important, only the proportion of older people will rise steadily in the coming years and decades. Also, the percentage of dependent persons. The personal protection of a private care insurance is all the more important. While the media increasingly address the issue of care risk, abides by the consequence of the citizens, but still within limits. Less than ten percent of German citizens have already completed a nursing insurance.
The reasons for the low rate of insurance are complex. For one, many care insurance product design not on right off the bat are understanding. The nursing risk is too far away, though already affordable to have a good hedge for people between twenty and forty years many younger people. Some older persons the protection becomes too expensive or is no longer lockable because of existing medical conditions. The high supply gap and the financial consequences are often is not known. About 2.4 million people in Germany are already care.
The Government services offer however no sufficient protection, so that in case of care often own savings assets must be used or even the income of children will be applied if there is no adequate protection or wealth exists. In practice, is the social welfare office in advance and then demands the maintenance claims for children. A modern care insurance offers a wide range of services: a financial monthly payments in case of maintenance. These can be determined in the contract itself, and can be set depending on the level of care. It is also important here that the insurer provides certain financial services for dementia, if there is no care level. Boost options are also important if necessary every few years to adjust the insurance protection. Illness in long-term care as a 24-hour hotline, emergency aid in the event of an emergency, transport and moving into a nursing home, menu service, In addition, laundry service, maintenance training for the relatives or the installation of home alarm systems offered by some insurers. The sooner you take care of the care insurance, the insurance is more affordable. More information around the topic of insurance long-term care can be found on the website. Contact: Bergische insurance broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Yuri Arcurs / fotolia.com corporate information: company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence of young Insurance.de, the company has specially to the needs of private individuals and professionals not specialized consultancy-bound insurance representatives of individual insurance company want, but want to based on independent calculations of comparison inexpensive and powerful companies get quotes. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.
Clerical pay to the investor must the promised returns, no matter whether they could be generated. There is also a claim for compensation for policyholders most likely. To the exact amount to be detected, the BGH refers back to the lower courts the negotiated cases. The meltdown for clerical medical par excellence and a groundbreaking ruling to protect of investors against dubious methods of distribution of the corporations. It is obvious, that clerical medical now must reckon with a new flood of actions the remaining bruised.
Also the LV doctor complains against clerical. But also other procedures that run for years are still success with one fell swoop promising, as a few days ago. Deceived customers can look to a good future. Many insurers have made false promises of return now get off and maximum Refunds (all contributions) secure not only against clerical, but also against other large insurance companies such as Allianz, ergo, Munich Aachen leads the Swiss proConcept AG within their project LV doctor”(www.lv-doktor.de) processes, in order to help redress the numerous policyholders. “Traditional life insurance and pension insurance contracts, it is common that the surrender values far below the contributions originally paid are and above all well below the returns promised in advertisements”, so Jens Heidenreich, Director of the proConcept AG. Want you so terminate his life insurance money, expect also with heavy losses.
On the page, policyholders, who want to cancel their life insurance, can check how much the losses are actually. With approximately 1000 proceedings in all instances, proConcept AG also wants to bring policy judgments, the the unwinding of lebensversicherungs and Pension insurance contracts entail. proConcept AG considers Europe unlawful and thus reverse being according to the so-called police model of closed life insurance and annuity contracts. This means the reimbursement of all contributions in particular for prematurely terminated contracts. Our chances have increased enormously. I can advise everyone to terminate his life insurance money and burn no more money”, Jens Heidenreich thinks also. More information about these and other problems with the life insurance company cancel, see also.
Insured persons want to know what their health costs can consumers mainly in shopping and services that track costs of services, the insured person by the statutory health insurance (GKV) have little to no opportunity to inform themselves about this and Orient. Check out Herbert Simon for additional information. Here, an essential lever could be but to get better control the gap between desired low contributions and high performance. Actually must be clear to all: who demands more from his health insurance company, has to pay more for it. It is therefore but basically important to have transparency at the cost. The results of the online survey by M + M a community project of the research group management + marketing in Kassel and the money in Bremen as well as in Hamburg, the DAK show that well over 90% of participating policyholders are not sufficiently aware of the costs of taken informed health services of them claim feel. That but more cost and performance transparency generally desirable would be, 95.2% of respondents say. Similar results is also infratest Dimap and the ARD-DeutschlandTrend February 2010, stating that between 90 and 91% that voted out, that patients should get an accurate view of the cost of a doctor visit or a stay in hospital. A regular cost – and performance overview more than three quarters of respondents would very good find, only 4% rather reject this.
The request is not new but according to cost and performance overview. Largely in the population unnoticed there is since 2004 a legal claim to the so-called patient receipt ( 305 SGB V). 8 out of 10 respondents is currently not known that patients of the statutory health insurance (GKV) exhibit a patient receipt can be by their doctor or the hospital. Politicians are discussing currently increased patient receipts and reimbursement models for medical treatments. Both are already possible today, but when the insured person hardly known.
Without supplementary health insurance is no longer to get the full benefits. Today’s offerings on supplementary health insurance are so diverse and broad, since not only the overview is difficult, the selection of a suitable supplementary insurance is anything but easy. Who is here not want to rummage through the tangle of different offers and providers, which can make comparison instead of the supplementary health insurance. This is usually quick and easy and means considerably less stress than the search for good deals on their own. There are the different possibilities of supplementary private supplementary health insurance not only since yesterday, there were the first deals several years ago. With time, but many insurance companies have been added, and the market seems also today still not saturated. So the private health insurers compete the usually legally insured customers, compete so this is with them in addition to dropouts always less legal protection for their extra Make health.
A wide range of tariffs for several areas are offered. Dental rates are among the most popular supplements. With a dental insurance can secure the services of the statutory health insurance benefits such as better restorations, or other treatment measures for themselves legally insured or to increase the statutory fixed subsidy. In addition, there are also the glasses and insurance, which are exempt from co-payments for AIDS and medicines. Also the supplementary health insurance for a better accommodation in the hospital and chief physician treatment are gladly accepted. Why is a supplementary health insurance comparison makes sense? As everywhere in life is also compare insurance companies worth. This is true not only for the services of the individual policies, but also for the premiums that the insurers that want to like to see. Insurance – there are just in the present competition, requiring different high premiums for comparable services. And why not Compare if there are the same thing cheaper elsewhere? A supplementary health insurance comparison can be most quickly and easily on the Internet on appropriate portals. Usually only a few details are necessary, so that a good deal can be found.
The payday loans no credit check loans are the best option for bad credit holders. Under this category, the borrowers can meet their small and urgent financial needs. A few years from now, bad or no credit score usually acted as a big hurdle for availing the loan. But, now with advancement in the finance market, the experts have come with a special category of loans named “payday loans no credit check”. The borrowers with adverse credit score can easily avail loan and enjoy terms and conditions same are being offered to good that creditors. The bad credit borrowers are those who have skipped or have missed payments in their previous loan installments. For more information see this site: David Karp. The reason for skipping off the payments can be anything like death of bread earner, loss of job, recession, more expenses than income, etc. The people who are tagged with adverse credit score like CCJs, IVAs, arrears, defaults, bankrupts are free to avail payday loans no credit check.
The non-homeowners or tenants can thus avail loan for tackling their needs and urgencies. This is because this loan option is free from collateral possession formality. The no credit check formality offer allows the borrowers to enjoy same terms and conditions to those good creditors. The amount offered varies according to the borrower’s income. In common, the borrowers are offered amount ranging from 100 1500 with easy and comfortable period repayment of 7-31 days. The interest rate is slightly higher than other personal loans due to the nature of payday loans.
The amount availed can be used to tackle various miscellaneous expenses like house rent, loan installment, car repair, wedding expenses, grocery bills, education fees, small home renovation, medical treatment, unexpected travel expenses and so on. Usually, these loans are availed for meeting urgent needs that cannot be transferred to next month. Because they are backed with slightly higher rate of interest this is. The conditions stated below are very important to evaluate as they minimize the lender’s risk. For availing the loan, the borrowers have to meet certain conditions like: * minimum age must be 18 years * employed in reputed organization * presence of active bank account in any UK bank * proof of the UK citizen online fashion for availing the loan is the best and cheapest as borrowers are free form hassles of moving physical from place to place. Tristan Tanner is author or Payday Cash Loans Bad Credit.
It is not easy to get a car loan if you have a negative Schufa or the credit rating is not sufficient at a German bank. Private credit agencies can be an alternative. Who can get a car loan without Schufa? In principle, everyone belongs to the Group of customers, who can apply for a car loan without Schufa. (Not to be confused with Angelina Jolie!). Of course can be only such a credit request, if you are of legal age. Also, most banks for the car loan without Schufa have set a limit. The majority of the providers schufafrei more enough no car loan credit interested who have reached the age of 67.. Who still needs a car loan without Schufa as a pensioner of that age, who must rely on that someone with enters as guarantor or as a second borrower in the contractual. Also with students there are in the car loan schufafrei some differences.
The cover of BAfoG alone is not sufficient to be able to get a loan for a car purchase at a bank. Here one can score, which is a good Part-time job was able to secure from the he refers to an income, in which the banks of think credit consultants are that from the living as well as the payments for the car loan schufafrei can be paid. Prerequisite for the recognition of that income for the car loan without Schufa is that it’s a permanent employment and not only to a temporary job at the semester break. Generally, income from dependent employment must be demonstrated in the application for a car loan without Schufa. The employment contract must be out of rehearsal time and also you must able to demonstrate without a doubt that the employer pays the pay contractually agreed to time. When independent trader, this evidence is much more difficult, because you not only have to the last three months, but in most cases to prove five years. Balance sheets and assessments to income tax are suitable for it. Kathrin Musch
About one-third without private liability insurance are still. Many liability policies is no longer up-to-date. Because there were some changes in the insurance market in recent years, insurance should look now if they pay too much or whether changes need to be made. A lot has happened in the last two years. Who has insured the liability, which should now take its police out of the closet and carefully go through. Decisive criterion for most insured persons is of course the post. There are now many new insurance products, which are cheaper and offer more performance.
If you pay too much, with a free online comparison of the personal liability insurance, you can check easily and quickly. A more favourable insurance is found, you can complete also online this. Who compares in the Internet, which should take care in the form of comparison that that the services be dialed correctly. A liability for damage to persons and together 3 million euro to pay, should be extended at least to 5. It is advisable to consider the participation of self critically. If this a massive saving is possible, one can consider them.
However, the amount of the excess should be chosen deliberately so that it finally is not at all mishaps self-payers. The agreement of a failure cover may also be very useful. It pays if one is damaged, the culprit but has no own liability insurance and is insolvent (bankruptcy). Unfortunately, this case happens only too often. Finally still a third of Germans have no personal liability insurance. In fact, this important insurance in every household should exist. Who must pay damages of a liability liability, can ruin this for decades financially and harm to their own future development. Because it is liable for a damage with his entire personal fortune until the damage is fully paid. Since personal injury several million euros expensive can be, everyone should spend a few euros a month for a private liability insurance. The policies are available already for under 2 euros. That should be its future worth each.
The GFH GmbH the budget planner from Nuremberg recommends a budget budget planner (also occasionally called revenue-expenditure calculation) is the basis not only for a debt settlement. If you once exact has listed himself, what one in a month (and year) to spend for food, rent, car and leisure, then gets you gradually a concept of where the money stays. This overview helps to get along better with existing money and realistically also the scope for loan rates. The GFH GmbH the budget planner help you and tell how you can multiply your money. Many years of experience in the field of financial analysis helps to look down to the last corner of the purse. Various concepts of analysis of the GFH GmbH speak a clear language. The success is obvious. You may wish to learn more. If so, Angelina Jolie is the place to go. After an advisers of the GFH GmbH which is the current budget planners developed State, it goes into the next phase.
Where do I create the money so that it multiplied, and one can still create a secure facility. An example is the system of the Assets in listed real estate. A so-called budget which detail is filled with the advisers of the GFH GmbH is used for the clear overview of the income of all family members (salaries, pensions and child support), as well as the monthly fixed (rent, insurance) and variable costs (E.g., food, clothing, leisure). This plan can edit a spreadsheet and you can quickly figure out, if there is still air in budget. Or, if you rather want to work on paper and counting, the consultant who specializes in financial print gladly the budget in paper form. The budget we then used in the next interview as a basis for the asset to investing. The budget book is intended for the more detailed and in particular regular employment with the revenue and expenditure of the respective budget.
Here you can hold his spending every month and take stock at the end of the year. The household book of the Sparkasse service money & budget contains also useful hints for dealing with money in the budget and to the practical execution of a budget book, so the GFH GmbH the budget planner. The GFH GmbH is also a whole series of the German Sparkassen – und Giroverband to the better (home) economies, including for special target groups such as young people or people in the second half of life. Some deals, such as the budget planner, can be used directly on the website. Try me, what suits you and helps you to get an overview of your finances – and then get out. The GfH GmbH the budget planners was founded by well-known companies in the construction, real estate and financial industry executives. The GFH GmbH as a specialist in the field of financial planning is pressed in the focus. The trend-setting concept of the GfH GmbH the budget planner aims to create long-term stable values for investors and owner-occupiers. To do this, the GfH GmbH examined the financial Opportunities potential customers and investors, then corresponding opportunities of investment, especially in real of estate listed, to present. Seat of the GfH GmbH Nuremberg is the budget planner. Contact: GfH GmbH Gesellschaft fur budget planning?
The decisive advantage is thus readily available capital. Of them, for example, an expensive treatments abroad, reconstruction measures or other purchases could be financed. The decisive disadvantage, but at the same point. Once capital, then no further payments. The disability insurance is a full coverage. This is no matter the reason of occurrence and a full protection is provided for the offence of the disability. But (except for a few tariffs and options), there is no one-off payment, but the payment of a pension until the end of the contract term. The advantage is in a long-term protection and the securing of income over the entire contract period.
The BU pension replaces the current earned income. The ideal product?:… would be a mix of both. If it the financial resources allow, a combination can be selected. For example, a one-off payment of EUR 100,000 to cover expenses of all sudden expenses and to bridge can pension be used to the BU (if because it’s one of the defined diseases). Following appropriate occupational disability insurance should exist yet, so that the running costs are covered. Also for an insured person where the profession can be undefined (self-employed persons who have multiple companies and / or way multi-layered activities, not clearly outline which itself can be), or those who do not get a hedge against the disability due to ill health, recommended an assessment of insurability in the dread disease insurance. This is, however, necessarily pay attention to the appropriate amount of the sum of insured.
For a one-off payment of EUR 500,000 and an assumed interest rate of 3%, the plant a pension (lifelong) from 1,250 EUR per month would be for capital preservation at least. This can be, depending on the age of the insured person, as capital consumption estimate itself. Thus, a universal recommendation cannot be given. You should deal with the protection of the worker or of serious diseases, please consult the best a specialized consultant. Further information: Guide to securing disability eligibility criteria for the disability insurance blog posts around the disability
The customer is King still is not necessarily rosy about the finances of the German health insurance companies, is already known. Since the funds starting are however obliged with January 2010, indicating imminent insolvency in the Federal Insurance Office uncertainty under the insured is spreading increasingly. The finance portal geld.de informs what awaits customers in the event of the insolvency of their health insurance. Dropbox is the source for more interesting facts. Fears that ongoing treatments must be canceled, are unfounded. Even in the event of the closure of the relevant health insurance, all continuous actions is catered for the continuation. If necessary, the financing of appropriate services by other health insurance is applied. Typically, itself already approved treatments can be perceived also.
Only services that are outside the statutory framework, may be rejected by the new health insurance if they are not in their performance. About was closing of the health insurance be affected individually informed after publication in the Federal Gazette. Then the customer may choose of a new Fund. The insurance coverage even then retroactively in this case until the day of the closure of the old cash register, when the accession of the new cash until after one or two weeks. However it is recommended that already before the final bankruptcy corresponding provision (www.geld.de/ vorsorge.html) to meet and to inform of the other health insurers offer soon. More information: presse.html GELD.de GmbH Lisa Neumann