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Income Protection In Comparison

January 20th, 2015

How do you find the appropriate disability insurance? Most people have to make their living from their professional income. However, if you no longer is reasons health or mental due to an accident, able, exercising his profession, income is eliminated. Private disability insurance, which pays an agreed monthly pension in the case of occupational disability access at this point. The State protection of the statutory pension scheme is woefully inadequate, so that a private insurance is strongly recommended by consumer protection agencies. When selecting the appropriate disability insurance, but many criteria must be observed to pay a suitable protection and are also not more than necessary for the required insurance coverage.

An important criterion is the price. Prices are very different even if basically comparable conditions between cheap and expensive providers. However, you should not only set monthly fee, but pay attention to the most important condition criteria. Cheap insurance coverage helps in an emergency not if the insurer can refuse the performance too easily. In addition to the terms and conditions are about key figures of enormous importance. These include the stability of the disability business, process quotas, financial strength, customer orientation in the performance or even recognition rates. Also rating results can be consulted in the choice of the appropriate vendor.

However it is in many published reviews tariffs with sample customers. An individual price / performance comparison of occupational disability insurance can only be created with a highly specialized comparison software. Therefore, sample results are a useful tool for the preliminary ratings, however they may differ in individual cases by the individual optimal tariff. More information about finding the topic of disability protection under: Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel.: 0202-317 13 155 fax: 0202-317 13 165 BU-Kompass.de contact for the press: Bogdan Kalid image source: olly / 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 specializes specifically on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. 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 ages are and Professionals comprehensive, fair, independent and competent advice. 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.

Sickness Benefit Claim

January 11th, 2015

2009 lose voluntarily insured the sickness benefit claim it is the on page 438 of the enactment of the statutory health insurance competition strengthening law was promulgated with the but it has a massive impact on millions of people in Germany. “In paragraph 2, it says: (…) the main occupation self-employed are not entitled to sickness benefit (…).” Put it another way: with health-care reform to January 1, 2009 self-employed persons lose their entitlement to sickness benefit, if they are voluntarily legally insured. “Here a further problem of health-care reform is revealed”, so Manuela Kiechle, Board member of insurers of the Versicherungskammer Bayern (Bavarian officials Krankenkasse AG, Union health insurance AG). Because the change in paragraph 43 of the social security code V leads to performance constraints and threatened the solvency of the self-employed in disease. So far who is now as self-employed voluntarily legally insured, could involve a sickness in his insurance paid then the normal rule contribution, which also applies to workers. The sickness benefit is paid usually from the 43rd day of illness. Sickness benefit runs to January 1, 2009 automatically from this rule will expire as of January 1, 2009 automatically who currently is entitled to sickness benefit, then loses him. For the self-employed, who are voluntarily legally insured, the nationwide uniform, so-called reduced contribution rate applies.

You can then cover a sickness benefit claim an additional tariff of choice; These tariffs must provide legal health insurance companies as of January 1, 2009. Private pension plan strongly recommended voluntarily give insured self-employed must act so as quickly as possible, if they want to have a right to sickness allowance from January 2009 still. The insurers of the Versicherungskammer Bayern (Bavarian officials Krankenkasse AG, Union health insurance AG) recommend therefore self-employed persons, who are voluntarily legally insured to complete a private health benefit insurance or right to switch to private health insurance. “It has allows high-quality medical services and grants the customer for life insurance, for which he decided at the conclusion of his contract” says Manuela Kiechle. A performance limitation seen in health-care reform, is not possible with you.

The group insurance Chamber Bavaria is the largest public insurers nationwide and is placed among the top ten of insurers. in 2007 reached 5.66 billion euros premiums the insurer of all divisions and about 6,500 employees. Every working day, the company pays its customers approximately EUR 17 million in insurance benefits. Every year more than 2.8 million insurance and performance cases processed, about 1,500 per work hour. With its regional operating companies, companies in Bavaria, the Palatinate, the Saarland, as well as in Berlin and Brandenburg operates; in the health insurance business along with the other public insurers nationwide. Published by the Insurance Chamber Bavaria Maximilianstrasse 53, 80537 Munich contact Claudia Scheerer, spokeswoman Tel. (089) 2160-3050, fax-3009 Thomas Barber, stv. Spokesman Tel. (089) 2160-1775, fax-3009 E-Mail: Internet:

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