So similar to newspaper advertisements, promotional e-mails or calls sound at the moment. Clearly, one or the other is wiser here quickly, works but “tomorrow it will be more expensive” almost always. Quick advice and sold, quickly signed and often soon regretted. The as made step in the private Krankenversicherung (PKV) is only one, the definitely wrong way. Why pay men (so far) less than women? The explanation lies in the calculation, and among other things in life expectancy. A private Krankenversicherung (PKV) must provide their services until the death of insured person and the day after day, year after year. An insured person lives 70 years, instead of only 60 thereby as “the car 10 years savings”, because there is no performance issues more. For the calculation, it is therefore important to know how long is the average life expectancy. According to Federal Statistical Office boy had a life expectancy of 77,46 years, born in 2009. A girl born at the same time however 82.57 years, lives so statistically expected to be more than 5 years longer. In those years the cost of doctor visits, medicines and other Gesundheistkosten want to be paid but also and among other reasons, the women paid more for private health insurance than men so far. What exactly is it because even with the “it will be more expensive” and why only for men? The here mentioned premium increase for men is therefore the introduction of the so called unisex tariffs. Another change of gender-specific costs was implemented in 2006. Since then, the imputed cost of pregnancy and childbirth by women not only be worn, but are equally distributed in the rates for both men and women. From 2012, then also the “unification” of costs due to increasing life expectancy follow. In the future, so men and women pay the same contribution. Since the cost but not decrease, a reduction of the contributions of female insured persons is not easy.
Without travel insurance, it can be expensive TOP-Zusatzversichert, the specialist for supplementary health insurance, advises in good time before the start of the holiday season those who spend their holidays abroad, to think of the travel insurance. For legally insured persons it is important because the funds provide only insurance protection in countries with social insurance agreements. Partly provided these services only to certain contract doctors and there are also often sensitive excesses to provide. A required return may not be reimbursed by the statutory funds. Here can easily get together some thousand euros. Privately insured persons took their private insurance not yet to complete, should complete a foreign travel health insurance. If then medical expenses incurred abroad, shall reimburse the travel insurance. Thus, the claim on the private health insurance rebates is maintained. Find legally insured persons Regulations for your destination on the Internet at. There, you can download information sheets for your holiday destination. About the cost of a travel medical insurance you can see.
What claims can be – made against surviving the funeral provides help even if the burial in the focus of criticism, it offers a tremendous advantage: funeral care, each also can create appropriate backing for a burial with small contributions. Because it may be that even demands are made by virtue to the bereavement. Here are some examples: The Verwaltungsgericht Stade (AZ. 1 A 539/05) has decided that a son for the cost of burial must come up, even though it has maintained no contact with him and against him had no obligation to pay. The judge ruled that because the son is the father closer than the general public and hence these costs must take. Here unexpected costs on a will without a funeral. However, according to the official court Stade, eliminates this funeral duty, when custody was taken from the father for example due to abuse or neglect. By the Lower Saxony Oberverwaltungsgericht (AZ. 8 ME) 227/04), it was decided that nieces and nephews are not the members of the inner circle. It must not be for a funeral. However, the idea plays a role here whether not a burial is established for the standalone aunt or uncle to ensure a burial in a dignified setting. On the other hand is to expect a grandson to bear the funeral expenses for the grandparents, if who is the only close relatives, the Verwaltungsgericht Stade (AZ. 1 A 681/03). If a cast preserved body parts that were found during excavation of the Tomb were returned when at the gravesite after the funeral, so still not a reburial claim. In a specific case, the rest periods laid down in the cemetery had expired for seven years. Therefore could not be held according to the Bavarian Administrative Court (case No. 4 B 05.3396) the action on reburial.
DKV and Central will begin with the closure of the Einsteigertarife after the DKV announced the end of their Einsteigertarife in the new growth at the end of the year,(Tarife BM1, BM2, SMART/PLU, ET2 und die NBL-Tarife BS9 und BS5) followed the Central surprise with an info on the 28.07.2011, from 01.08.2011 no new business in the Einsteigertarifen of the ECOline tariffs (KE, EKE, KEH, BSS, and BSSN) more adoption. Even the relatively new tariffs of Vario combinations (with performance multi-bed rooms in the hospital) (Vx3xSx) are affected. The rationale was “strategic realignment”. Similar as the DKV now also the Central would like to do more on more powerful rates their sales, because mainly the so-called “Einsteigertarife” are affected by the closure which offer some less scope than the statutory health insurance. And to add on top of it to informed Central yet about possible increases in contributions. Ulrich Kappl – insurance brokers quote: our first projections show that we also in the year 2012 will have significant contribution increases in new business as well as in the stock. According to the current state of our analyses, we expect increases in the double digits. This can be an average increase of around 20% for the PLUSlinie mean, as well as an average increase of around 10% for the TOPlinie in the new business. In early 2011 the Central had already raised in an average of 6.5% the premiums. Why now the withdrawal from the low-cost segment? In the industry, rates with slimmed down services and relatively low contributions of great popularity enjoyed for several years. Some PKV provider generated very much (and mainly) its new business from this segment. The so-called Einsteigertarife were, I have to say so clearly there for the most part decoy deals. This strategy takes revenge now. As with the cheap Heimern also the same clientele was attracted to i.e. people with low incomes who want to save insurance contributions (and often dubious payment). How now confirmed, even these small contributions for this clientele still too expensive. The immense contribution residues at the affected companies this results in what that is closed now for the”tariffs affected customers? The Central advertises on its website with the following slogan: “We are in very good company”. But many customers in the affected tariffs say now determine “Every man for himself who can!”, or “Must I now pull the plug?” worse “the financial collapse my tariff?” So flat can not responded to, because there are always individual decisions. Action is needed but in any case, this could be for example a change of tariffs within the company in a better rate. You must warn against hasty decisions. Sufferers should be of free insurance brokers inform yourself in advance only good and neutral. It has to be remembered that it by missing new entries to an “ageing” of tariffs and future additional use (age-related) to disproportionate contribution adjustments come can / will. The DKV and the Central listed here although notably, since they are the first, “including the corresponding collective work”, are however also representative of all car companies are traveling with Einsteigertarifen in the market. Here a lot on the market will do in the future is and other car insurers will follow suit.