Disability insurance comparison 2014 of the BU test winner also the financial and business magazine focus money runs at irregular intervals a disability insurance through test & comparison. The last disability insurance conducted a test focus money in 2010, the next occupational disability insurance comparison is expected 2014 according to disability insurance test-vergleich.com. Support for the implementation of the BU test 2010 received focus money from various recognised rating agencies such as Franke & Bornberg, standard & poor BBs, Fitch, Moody BBs, A.M.Best, Assekurata and Paul. The consumer pays insurance especially on the price when choosing a suitable BU. Focus money recommends to look not only at the price, but primarily to study the contract terms and conditions of the contract.
Thus it saves lots of hassles and disadvantages later in case of damage. The contractual terms and conditions of a good BU insurance waive the clause of the abstract reference, give a short A period not exceeding 6 months and allow the free choice of doctor. The disability insurance test 2010 by focus money in August in issue 24/2010 of the journal appeared. The BU test examined only rates of the independent disability insurance (SBU). Also before selected on very high-quality Premiumtarife. Only such BU were tested rates and compared, waive the abstract reference, providing full power when a disability of 50% and which pension pay the BU already from the first month of disability.
The price and the customer experience, especially the comprehensibility and transparency of contract terms and contract terms were important criteria in the test. Also the guarantee of insurance without further risk assessment, as well as the handling of unemployment and financial problems were considered as test criteria in the assessment. The tester by focus money placed great value on the review of the financial strength and solidity of the BU Insurers. The soundness of an insurer is so significant because it decisively determined the long-term stability of the premiums. In the BU test 2010 by focus money an age of 30 years, a duration up to the age of 65 and a monthly BU were taken as sample data pension of EUR 1,000. Two tariffs were chosen to test winner in the BU test 2010 by focus money. The tariff relief plus the Alliance as well as the tariff of SBU comfort (BioRisk) the WWK achieved the top grade of 1.3 and occupied the top spot for both. Close behind with the overall score 1.4 landed the fare of SBU (Golden BU) the LV 1871 in second place. The overall grade of 1.5 and thus ranked third SBU reached rates of the following 6 suppliers: generali, Debeka, Nuremberg, dialogue, people welfare federal and HDI-Gerling. There are other calculations of occupational disability insurance here
Online advice to private health insurance. Questions and answers to the most important topics of the PKV for freelancers, employees, civil servants and families with children a list of particularly important issues related to health insurance are easy in the online guide to private health insurance and good understandable answer. Since it still is persistent errors, which can have a fatal decision of consequence, easily accessible information to key areas is particularly important. In the Guide for the private health insurance also to Wechselmodalitaten, deadlines and conditions questions. When a change of the law in the private health insurance is possible, and for whom? Worth a health insurance Exchange? What makes more sense? PKV or statutory health insurance? How are children covered by health insurance in various situations? What must the different professions, such as the self-employed, freelancers, employees, officials, students or workers bear in mind? Is one for whom and to what extent Sickness benefit insurance make sense? These and other questions are explained in the Online Advisor private health insurance easy and understandable for everyone. With further questions or need guidance, an online search available each interested after an independent insurance experts nearby. These are tested on their qualification and are sorted by the best customer reviews the seeker. Also the advice provided by an independent insurance broker is free and without obligation.
Private health insurance comparison and computers of in addition to visitors of the site pkv-private-krankenversicherung.net an independent car perform a comparison or alternatively calculate the rates and contributions of the private health insurance online. The calculation depends on the insurance data such as age, sex, deductible and the selected insurance services. It displays three tariff options separately compared to other similar offerings on the market. Anyone can do a computer comparison request free of charge.
The amount of the reimbursement of the contribution gives information to the financial condition of insurers and Exchange helps change when choosing the right health insurance when changing private health insurance before of a private health insurance also the amount of the rebates of various health insurance plans may be manual. These be different levels namely depending on the provider and provide information about the financial state of the insurance undertaking. Insurers with a particularly high refunds at Nichinanspruchnahme of insurance services and stable contributions are preferable. The deadline for a PKV Exchange is November 30. At the end of the year, usually after the third quarter, the private insurance companies inform their policyholders about the amount of their annual rebates rebates of private health insurance. These are paid, if the insured person takes no services of its insurance claim within one year. The amount of the relevant premium refunds can be freely negotiated between insurers and insured persons. The refund maximum three month posts, so that some hundred euros may apply depending on the selected fare.
Almost all private health insurance companies use these models of the rebates to attract new customers and maintain existing customers. In some cases, the refund is also staggered, so that policyholders even get back money if you have visited their doctor only once or twice. The amount of the refund is calculated then annually from insurance and goes to the insured in these days. Thus, a healthy way of life will be rewarded twice: one by one through a life without disease, on the other hand by the refund of contributions. PKV computer before a planned Exchange of private health insurance to policyholders a free and independent online use private health insurance calculator and calculate potential contributions for all tariffs of all societies. Thus one receives a good overview of prices and tariff options. In addition, a comparison that is also free and non-binding can be requested. Is interested will receive the best and most powerful car tariffs to choose from.
PKV three – year period shall not apply to employees and clear the way for a change in the private health insurance. Latency for employees on a year shortened employees and workers in the private health insurance (PKV) employees, i.e. employee insurance and the way in the private Krankenversicherung (PKV) workers, has been blocked. To be able to get into a private health insurance company in the enjoyment of the full range of services, a waiting period had to be kept in a where on three consecutive calendar years a gross income had to be demonstrated by last at least 48.600 euro. This so-called “three – year” control in the car was for employees by the last Government in 2007 been introduced to prevent the influx of high-income and healthy employees and workers in the car. That prompted the exodus of those members from the statutory health insurance (GKV) in the private health insurance and thus the risk of the principle of solidarity which healthcare continuous Anhebeung of the insurance limit of initially 39.574 Euro Euro currently 48.600.
For the year 2010, raising the year working pay limit, short JAEG, is planned 49950 euro. But after planning the new black yellow coalition should no longer occur. On the contrary, a reduction of the year working pay limit to about 45,000 euros is to allow a change in the coveted private health insurance also employees and workers of the middle class. After the major constraints in which the PKV suffered from health insurance customer loss and cost increases, this is as a courtesy. Most recently the Association of private health insurance companies (PKV-Verband) about the imported and not compensatory PKV base fare and the regulation of retirement provisions complained. When a health insurance exchange so insured could take their savings retirement provisions in the new car, to stabilize the posts at the age. This change is for a large transfer of employees and workers in the private Take health insurance with them.
Change in the private health insurance and comparison of the PKV rates for employees and workers staff and workers who are already insured in private health insurance can make a change in their health insurance only in compliance with the notice period. Increasing contribution by the PKV is an exception. With the time input of a post boost has a so-called extraordinary right of termination each insured persons and can change the car without compliance with the notice period. A notice must be adhered by the law in the private health insurance even when changing. Also, the above mentioned circumstances come to the bear. A change of health insurance should be considered but always good. Especially in the age is often detrimental to change and not worth it. Under certain circumstances, a car can sense changes in young and healthy policyholders do. Here is a comprehensive comparison of tariffs for private health insurance for employees to recommend, individually appropriate and to determine policies that are both affordable and powerful. Here, nothing should be left to chance. A personal consultation and needs analysis by an independent insurance broker is hard to replace and can be used often free of charge and without obligation.