Make sure only to cases which would bring the financial damage in big trouble!
Make you hide it on the insurance coverage and do not let themselves of "naked" price.
Take care of as soon as possible to the proper protection (nature and amount)!
The basis of each asset and life planning is the proper protection, especially those of your labor. What do you use 50 000 € if you are not in the next month in the long term. An existing asset is used up quickly.
Carefully compare the services offered and prices!
Please note that insurance companies offer different rates. Thus, the consumer-conditions may not be automatically offered to the requester, but only for requesting the media for publicity of the insurer. Not infrequently gimmicks are presented as major achievements. This can also be with a generally favorable classified as insurers of the case. Play it safe when you go to the rates of GVI-group insurance.
Read carefully the consumer information!
Ask this individual to the insurance companies if they will not be available.
Check what insurance you can give up and cancel it!
Often it is cheaper to pay damages out of pocket, than to shell out the many years of contributions.
Examples: Personal Insurance, glass breakage insurance, travel baggage insurance.
Oops! Clarify prior to the termination of existing insurance, whether the new insurance might assumption existing guidelines (e.g. for occupational disability insurance and the necessary health) can be met.
Adjust the insurance contracts (type, services and height) of your current life situation now!
School-leavers need other forms of insurance as a family. Helpful information is available for this purpose under the GVI-protection checks.
Get advice from an experienced advisor you can trust!
This is especially true if you are not an insurance expert. This should be your individual, e.g. the family and financial situation into account.
Thursday, July 29, 2010
Tuesday, July 27, 2010
Severe illnesses are insurable
Comprehensive private disability protection is not easy to get to everyone. Members of risk occupations such as musicians, artisans and teachers often pay high premiums. If you bring pre-existing conditions get, sometimes even no contract. An alternative to the private disability protection is the critical illness insurance? Insurance in case of serious disease that has been made in recent years, the leap from the UK and the U.S. to Germany and is now offered by many insurance companies. The illness insurance will pay once the agreed amount if the insured listed in the contract serious diseases occur? As cancer, multiple sclerosis, stroke, heart attack or kidney failure. In the power case, the insurer asks not whether permanent disability exists. The medical diagnosis is enough to get the full sum insured. The most common causes of premature disability are in a critical illness policy but not insured. No benefits are there for example, mental disorders and diseases of the musculoskeletal system and the vascular system. The critical illness insurance is therefore not suitable as comprehensive disability coverage. It only comes into question if disability insurance is not to get too expensive or because of pre-existing conditions.
Saturday, July 24, 2010
Insurance tips for trainees
As much as necessary, as little as possible: Occupation starter want security - but at a low price.
With the start of training for young adults in some areas as the current all-around insurance coverage ends on the parents. A claim can quickly return to the dependence of mean parent’s house - and this despite their own insurance costs less than often assumed.
What insurance is needed? Very important is one's own private insurance. As employees, apprentices, although legally accident at work and commuting accidents, but 70 percent of all accidents happen at play. For those who complete a vocational or education, insurers offer favorable terms. How are insurance against the DEVK starting at € 3.80 a month: at a base amount of 50,000 €. In the case of total disability pays DEVK even 250,000 Euros.
Who already has their own income, should also think of the private pension plans. Even for a small fee you have the DEVK Riester pension is entitled to a lucrative government subsidies. In addition, applies: the earlier you start, the smaller the effort and the higher the yield.
It is often underestimated the risk of disability. The state security in case of a professional or disability was abolished in 2001 and replaced by a disability pension with drastic cuts. Especially young people and young professionals with even low-income retirement planning should, therefore, in the event of disability. The monthly contribution depends on the occupation and the desired disability pension.
A disability but is preceded by a first phase of a longer work. The problem is that health insurance companies pay while sick, but not in the amount of net income. This gap should close trainees’ private. For example, there's the DEVK sickness allowance (rate KT 43 / 20 €) at 18-year-olds already for € 5.20 (men) or 3.84 € (woman) in the month. From 43 Day of work pays the DEVK then 20 € per day extra. And the patients can be good use!
Sense is also a private health insurance, the gaps in coverage in terms of visual aids, dentures & Co. to close. For young people the private insurance coverage is very inexpensive. Thus an 18-year-old trainee pays for outpatient insurance rates after ET-GZ only € 6.82 a month, the same age his colleague, € 8.53. For this they receive per calendar year up to € 105 for a pair of glasses or contact lenses and up to 30 percent of the total cost of dentures - along with the cash performance as much as 90 percent of the costs reimbursed. An international travel health insurance is also included. Depending on requirements, the benefits of visual aids and dental care can even be expanded.
Since 1 January 2010 provides the DEVK can also offer a new health insurance for orthodontic treatment and laser treatment for the eye to correct visual acuity: For only € 9.90 a month trainees reduce their own share this clear.
What insurance is unnecessary? In general, young workers are insured up to the end of their teaching on the private insurance of their parents. For complete mishaps such as the damage to other property must be an apprentice that is not their own insurance. Those who still lives with his parents, needs also no contents insurance, because the facility is secured by the policy of parents. This is possibly also for apprentices, the apprentice accommodated in hostels.
With the start of training for young adults in some areas as the current all-around insurance coverage ends on the parents. A claim can quickly return to the dependence of mean parent’s house - and this despite their own insurance costs less than often assumed.
What insurance is needed? Very important is one's own private insurance. As employees, apprentices, although legally accident at work and commuting accidents, but 70 percent of all accidents happen at play. For those who complete a vocational or education, insurers offer favorable terms. How are insurance against the DEVK starting at € 3.80 a month: at a base amount of 50,000 €. In the case of total disability pays DEVK even 250,000 Euros.
Who already has their own income, should also think of the private pension plans. Even for a small fee you have the DEVK Riester pension is entitled to a lucrative government subsidies. In addition, applies: the earlier you start, the smaller the effort and the higher the yield.
It is often underestimated the risk of disability. The state security in case of a professional or disability was abolished in 2001 and replaced by a disability pension with drastic cuts. Especially young people and young professionals with even low-income retirement planning should, therefore, in the event of disability. The monthly contribution depends on the occupation and the desired disability pension.
A disability but is preceded by a first phase of a longer work. The problem is that health insurance companies pay while sick, but not in the amount of net income. This gap should close trainees’ private. For example, there's the DEVK sickness allowance (rate KT 43 / 20 €) at 18-year-olds already for € 5.20 (men) or 3.84 € (woman) in the month. From 43 Day of work pays the DEVK then 20 € per day extra. And the patients can be good use!
Sense is also a private health insurance, the gaps in coverage in terms of visual aids, dentures & Co. to close. For young people the private insurance coverage is very inexpensive. Thus an 18-year-old trainee pays for outpatient insurance rates after ET-GZ only € 6.82 a month, the same age his colleague, € 8.53. For this they receive per calendar year up to € 105 for a pair of glasses or contact lenses and up to 30 percent of the total cost of dentures - along with the cash performance as much as 90 percent of the costs reimbursed. An international travel health insurance is also included. Depending on requirements, the benefits of visual aids and dental care can even be expanded.
Since 1 January 2010 provides the DEVK can also offer a new health insurance for orthodontic treatment and laser treatment for the eye to correct visual acuity: For only € 9.90 a month trainees reduce their own share this clear.
What insurance is unnecessary? In general, young workers are insured up to the end of their teaching on the private insurance of their parents. For complete mishaps such as the damage to other property must be an apprentice that is not their own insurance. Those who still lives with his parents, needs also no contents insurance, because the facility is secured by the policy of parents. This is possibly also for apprentices, the apprentice accommodated in hostels.
Friday, July 23, 2010
Insurance Tips - Who pays for storm damage?
Especially in the summer often threatening severe storms with hail and torrential rain. Who pays for damage to homes and farms, knows the Consumer Saxony.
Claims for covered roofs, bent trees, is usually a case for the insurance. Storm damage should therefore necessarily be reported immediately to the insurance company. Affected parties are also obliged to refrain from anything that might complicate the assessment of damage - otherwise they risk the necessary insurance coverage, knows the Consumer Saxony. Sources of risk and may need to be removed. Standards in damage has compiled consumer Saxony.
Damage from storm
For storm-term building, household contents and accident insurance. When applicable, after the stormy conditions of the insurer (AGB) wind speed of eight and higher. This corresponds to a wind speed of 63 Kilometer per hour. That the wind storm in brick and roofing felt let go need to show is generally not concerned themselves. According to ABG, it is sufficient that houses were damaged in the neighborhood. Household goods were damaged when the storm is only paid if they were housed during the gusts in a building and this was also damaged by the wind. Exception: antennas and awnings, which are a tenant, are placed outside the building and used exclusively by the residents of the insured dwelling. If the storm hurled tiles at a parked car, is the partial coverage of the holder into the car payment. Assured, however, is not the replacement value, so the original price of the trailer, but usually only the value it has at the time of notification of damage yet (time value). Furthermore: Often the policyholder has agreed a deductible, which is deducted from the compensation amount still. Has demonstrated a rotten tree damage caused when a roll-over, the tree owner or his insurance cover it if necessary. If a healthy tree fell over, this is considered "force majeure" and the owner is not liable for the damage.
Damage caused by rain and hail
as a rule becomes effective for hail damage to a roof, windows or shutters of the building insurers. When continuous rain flooded basements or damaged walls and inventory, but helps the supplementary elementary insurance. The policy, which is usually offered as a supplement to the household and homeowners insurance, covers some more damage, namely, by flood, earthquake, subsidence, and landslide and by snow pressure and Avalanche. However: This additional protection is generally agreed to excess - often amounting to ten percent of losses. Contents insurance from the GDR era provides protection against natural forces as before. These old GDR policies have been taken over by Allianz Insurance. Warning: do not have household-dwelling insurance liability, when rain enters through open doors or windows.
Claims for covered roofs, bent trees, is usually a case for the insurance. Storm damage should therefore necessarily be reported immediately to the insurance company. Affected parties are also obliged to refrain from anything that might complicate the assessment of damage - otherwise they risk the necessary insurance coverage, knows the Consumer Saxony. Sources of risk and may need to be removed. Standards in damage has compiled consumer Saxony.
Damage from storm
For storm-term building, household contents and accident insurance. When applicable, after the stormy conditions of the insurer (AGB) wind speed of eight and higher. This corresponds to a wind speed of 63 Kilometer per hour. That the wind storm in brick and roofing felt let go need to show is generally not concerned themselves. According to ABG, it is sufficient that houses were damaged in the neighborhood. Household goods were damaged when the storm is only paid if they were housed during the gusts in a building and this was also damaged by the wind. Exception: antennas and awnings, which are a tenant, are placed outside the building and used exclusively by the residents of the insured dwelling. If the storm hurled tiles at a parked car, is the partial coverage of the holder into the car payment. Assured, however, is not the replacement value, so the original price of the trailer, but usually only the value it has at the time of notification of damage yet (time value). Furthermore: Often the policyholder has agreed a deductible, which is deducted from the compensation amount still. Has demonstrated a rotten tree damage caused when a roll-over, the tree owner or his insurance cover it if necessary. If a healthy tree fell over, this is considered "force majeure" and the owner is not liable for the damage.
Damage caused by rain and hail
as a rule becomes effective for hail damage to a roof, windows or shutters of the building insurers. When continuous rain flooded basements or damaged walls and inventory, but helps the supplementary elementary insurance. The policy, which is usually offered as a supplement to the household and homeowners insurance, covers some more damage, namely, by flood, earthquake, subsidence, and landslide and by snow pressure and Avalanche. However: This additional protection is generally agreed to excess - often amounting to ten percent of losses. Contents insurance from the GDR era provides protection against natural forces as before. These old GDR policies have been taken over by Allianz Insurance. Warning: do not have household-dwelling insurance liability, when rain enters through open doors or windows.
Thursday, July 22, 2010
Baby Health Insurance
In the statutory health insurance a baby is automatically insured for free on the parents. be insured separately at the private health insurance, your baby. These are only entitled to babies and young children in which at least one parent has a private health insurance. In addition, further things to be respected.
Private health insurance for babies
privately insured women are obliged to inform the vendor know if a pregnancy. This is based on the notification requirements for a change in family status.
Before birth, the medical care and medical care will be taken over by the private health insurance.
After birth, the baby will automatically insure privately. Otherwise, you must register your newborn with the provider. Your children will then to ensure from the date of birth.
Conditions
In the condition that at least one parent must be privately insured, irrespective of whether this is the father or the mother. The father has only one private health insurance, it is possible for him from the date of birth, the baby to ensure reliable. One limitation is that family members and minor children may receive a higher rate than the insured parent. Has this been the cheapest base rate, he may choose for his child a higher tariff.
For babies may, if they are not legally insured for free on the parents, are selected in conjunction with a low monthly premium, a private or public health insurance. Because of the generally better performance of private insurance is often a better option.
Private health insurance for babies
privately insured women are obliged to inform the vendor know if a pregnancy. This is based on the notification requirements for a change in family status.
Before birth, the medical care and medical care will be taken over by the private health insurance.
After birth, the baby will automatically insure privately. Otherwise, you must register your newborn with the provider. Your children will then to ensure from the date of birth.
Conditions
In the condition that at least one parent must be privately insured, irrespective of whether this is the father or the mother. The father has only one private health insurance, it is possible for him from the date of birth, the baby to ensure reliable. One limitation is that family members and minor children may receive a higher rate than the insured parent. Has this been the cheapest base rate, he may choose for his child a higher tariff.
For babies may, if they are not legally insured for free on the parents, are selected in conjunction with a low monthly premium, a private or public health insurance. Because of the generally better performance of private insurance is often a better option.
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