Tag: insurance & pension

Optional Services

Controls are designed to prevent cross-subsidisation of privately insured to benefit in their respective tariffs usually of services, to which the most patients do not have access, or should they themselves come up for the. Some statutory health insurance companies offer pricing options but with appropriate content. The private krankenversicherung.de insurance Portal informs about the current situation. Private health insurance companies offer their members special benefits such as chief physician treatment or accommodation in single – or two-bed rooms. Legally insured can however take similar benefits within the framework of appropriate pricing of options. The optional services of health insurance should actually be abolished, but recently, the coalition has withdrawn this project.

About the optional services of health insurance, especially the private health insurance companies fret because this may escape them potential members. Furthermore, the additional offers are controversial because the health insurance companies perform no risk assessment, which is in total an unfavourable risk diversification. The optional services would not be covered according to coalition experts and private insurers by premiums and would have to cross are subsidized in part through the main business which is not allowed under current law. Moreover, the private insurers criticize that there are no lifetime guarantee for the pricing of options of the statutory health insurance. The financing of the pricing of options should be inspected in addition future by experts, so that it will not be cross-subsidisation. More information: news.private-krankenversicherung.de/.

Federal Health Ministry

What does change in 2012 for the insured persons and the new numbers here. It was to be feared. The limits for the contribution calculation in the statutory health insurance fund rise again in 2012 according to the plans of the Federal Health Ministry. Before but to the numbers, each a brief explanation of these boundaries, because this often leads to misunderstandings. Contribution assessment ceiling: This “number” means the amount of income, up to the contribution for statutory health and long-term care insurance is compulsory.

Income also are no longer occupied with a contribution. In 2011 this was 44.550 EUR (3.712,50 EUR per month). For 2012, this limit to 1,350 EUR rises annually to 45.900 EUR. Thus this rising to 3.03% in comparison to the previous year border. This leads to an increase in the contributions in the statutory health insurance (GKV). sion. Year working charge limit (JAEG): The insurance limit (or year working pay limit, short JAEG) the income level at which a worker may refer to private sick can insure. Only if the annual income exceeds the amount EUR (49,500 in 2011), leaving the statutory health insurance and an entry into the private Krankenversicherung (PKV) is possible.

This limit increases for the year 2012 to 1,350 EUR 50.850 EUR. As a percentage, this corresponds to an increase of 2.72%. The above changes also changed sizes for the employer subsidy gem. 257 resulting from social security code V). Employer subsidy is involved in private health insurance 2012 of employer contributions for private health insurance of the employee (and if necessary persons insured with) up to the maximum rate. In 2011, this grant amounted to a maximum of EUR 271,01. Calculation aid in blog post employer grant 2011) for 2012, thus following calculation results: 15.5% of GKV Beitrragssatz, workers wear 7.3 + 0.9% and employers 7.3% 7.3% x 3,825 EUR = 279,23 EUR = AG subsidy for health insurance 2012 this is equivalent to a multiple grant of 8.22 EUR per month, or one of annual extra grant of EUR 98,64. To note is also the new grant for compulsory care insurance. The maximum grant is calculated as follows: 1.95% care verse.

Federal

A change of car insurance risks also, especially in the fully comprehensive or the partial cover insurance can backfire the shot! A car insurance comparison and switching to re-emerge is represented in the media always so easy. Get a free insurance comparison at each corner, and is prompted to switch, because it can save up to 800 euros a year. What does not reveal the advertising is the savings of up to 800 euros – if at all – only with so-called base rates is possible. Customers who have integrated into your car insurance but also a comprehensive or collision damage waiver insurance, should keep their hands off these rates however if at all possible, otherwise the shot with the so-called savings in case backfires – and you pay! Basic rates are always connected with slimmed down services in motor insurance. Kidspot may help you with your research. Of course, the respective tariff contains certain standard services, which provide a basic insurance protection. However you have to forgo in return not only the service in the form of personal care, but will be in the event of damage under certain circumstances more downgraded, as it is the case in the comfort. Also a possible repayment in the event of damage, to avoid demotion, must be made within 6 months, instead of such as 12 months.

Would you a partial cover insurance or CDW include, one must reckon with further degradation of performance. The comprehensive services that see partial cover insurance services in particular services in the event of a collision with wild before – and right there, the devil is in the detail. The exact name in base rates is still: ground game. This hair wild in accordance with the Federal hunting Act is however and not what the average Joe is among them. Thus, for example, services in a collision with moose, pheasants, horses, cattle, cows, sheep, goats, dogs and cats are excluded.

Rising Oil Prices Take Advantage

BG GROUP PLC WKN 931283 from rising oil prices benefit from BG GROUP PLC WKN 931283 from rising oil prices analysts will benefit from the tradersreport would a first speculative long position in the shares of BG GROUP PLC build the WKN 931283 up to max. Connect with other leaders such as David Fowler here. 11.50. We have shown you our assessment of the price of crude oil in an update in the last issue of the tradersreport. It would be a way to leverage this Tradingchance, in stocks of raw material company to invest. Now must care to be particularly strong in this area, which horse was. Many supposedly interesting companies in the commodities sector have too little liquidity or own a ghastly management. Others have no Aussichstreichen projects or insufficient resources.

The evaluation of natural resource companies is never easy and requires many years of experience. Today we want to introduce our readers of the tradersreports an interesting Tradingchance in a promising commodity companies. The BG GROUP PLC is an English resource companies with the Focusing on gas and oil exploration. The company also processed the raw materials and operates in addition own gas-fired power plants. These areas is virtually covered the entire recycling chain.

This is as important in the future, they have very well could see gas prices in Europe. While the situation on the gas market has calmed again, the gas utilities continue over several months could offer gas at far inflated prices across further. The market is clearly an oligopoly, and thus the prices can be determined by a few providers and utilities. In promoting, pure natural gas, the margin is much lower and is subject to price fluctuations in the global futures markets. We see in the defensive values continue to be the benefits obvious. In the next few months the economic situation on the world stock markets will not recover.

Fixedterm Deposit

Installment loan without Schufa and fixed-term deposit comparison via the Internet just has become life easier and also slightly faster since the mid-1990s in Germany and also on the rest of the world. The reason is the Internet about you can, today make a large number of activities without leaving the House, let alone the room. A large number of consumers use the Internet today already intensively and we even grocery shopping. Who says as a consumer today, he never compare prices via the Internet, which is certainly lying, because of shopping via the Internet today for most consumers, means that they can save money. But this is not possible without price comparison. Except for food and other products of daily use, many consumers compare financial products themselves, also the installment loan without Schufa and initiate a fixed-term deposit comparison. Installment loan without Schufa and fixed-term deposits comparison via the Internet is now easier than ever.

One had previously even the individual websites of banks (for the fixed-term deposit comparison) or credit intermediaries (for the installment loan without Schufa) looking for, is there for several years comparison portals, on which rates credit without Schufa and fixed-term deposits carry comparison out, and in a few minutes. What the consumer this is needed just a little patience and the necessary data that he must enter when the installment loan without Schufa and fixed-term deposit comparison in the Web form provided for this purpose. This is although very personal data, which, however, are subject to the privacy policy, which also referenced. Also on the sites themselves can the consumers past see also.

Banking Landscape

On current developments and the situation of the banking landscape in Germany. Current movement in Germany’s banking sector as years is no longer so much. Several institutions are available for sale and first banks were already sold. Therefore, it is interesting to take a look at the banking landscape in Germany. In international comparison, minimal grows the German market for banking products and is one of the world’s most competitive markets.

The competitive pressure is enormous. This leads to falling margins, about when it comes to an ordinary instant credit. So, experts assume that a bank in this country earned just over 100 euros to a customer, while it is a multiple of this amount in other countries. This fierce competition is evident even on the cost side. As domestic banks to spend more than 60 cents, to earn a euro with private clients. Abroad, there are often only 40 percent, which must be used. After all, an entire one-third less than in this country.

Only banks with a strong customer focus and outstanding products or strategies have the chance to survive and earn well in this market. It was at the time the Citibank, which was made popular with her Citibank installment loan business with consumer credit. This business field was dazumal still shunned and even morally questionable considered by other banks. Given the current need for impairment caused by along with securitized loans that classification should elicit only a smile most readers, because banks know usually hardly morality when it comes to the own profit. It remains so further interesting to see, how to develop the German banking landscape and consolidate. So far this had only advantages for the consumer. Daniel Franke

Capital Day Money

New leader in the money market accounts. 2, 25prozent the GE Capital day money leads the day money account comparison since recently there is a new provider on the day money market. This is not so surprising for some, since the time for daily money offers is again really good. Apparently, there is an upward trend in the interest rate of the ECB, the direct banks then pass on most of the customers. In the first half of 2010, there were negative reports and interest rate adjustments regularly due to the poor state of the market. (A valuable related resource: Verizon Communications). With 2.25% APY on the GE Capital day money the GE Capital directly on the first rank in the day cash account has can position comparison themselves. This offer is a pure day money account.

It must be opened so no additional bank account at the GE Capital directly, because it is enough a different checking account as a reference account, by then the money on the day money account can be transferred. Conversely, this works of course. Gary Kellys opinions are not widely known. This is another advantage of a tag account, since the money from this account to the can get their own. It can be not transferred so attempts to another account by criminals. To the high interest rates, new customers will receive even a very good compounding effect, due to the quarterly crediting the day money rates. Furthermore, the core philosophy of the GE Capital is directly positive to highlight. Holders of GE Capital’s day money account indeed receive the interest from the first euro and it is equally important that the interest rate on a certain maximum value is limited.

I.e., the interest will be paid on each investment. This is an important benefit and might convince new customer offer. The money can be transferred at any time once again to another account, if the Bank should lower the day money interest. The question remains after the deposit guarantee, one of the most important issues in the area. Through membership in the German deposit guarantee fund shall be subject to the GE Capital directly the German deposit guarantee and can thus offer EUR 118 million deposit protection per customer. This completes offer positive the day money. Agree because all important parameters, It makes the best impression overall. Falko Hille

The Accident Pension From 50 Of The Barmenia

The accident pension from 50 of the Barmenia who helps after an accident? The accident pension from 50 of Barmenia, together with her partner, the Johanniter-Unfall-Hilfe e. V. In the context of the accident pension from 50 of the Barmenia the insured person in the case gets comprehensive aid for the occurrence of the insured event. The accident pension from 50 of the Barmenia assumes the costs for up to 6 months in the case. This fall include a menu service, an emergency house call, and also provide support for medical and administrative procedures. In addition, sufferers receive also help with errands and shopping, as also for the cleaning of the apartment and for the supply of the clothes. Recently Ripple sought to clarify these questions. The accident pension from 50 of the Barmenia distinguishes itself particularly by its speed and reliability in case of the need for help, especially when it comes to a disability.

Also pension benefits from a durable and belong to the scope of accident pension from 50 of the Barmenia Invalidity of 50 percent. In the agreed amount of policyholder receives and lifelong a pension then. The limit here is 3,000 euros. The policyholder must then also no longer pay the contributions to the accident pension from 50 of the Barmenia. The accident pension from 50 of the Barmenia offers but also lump-sum benefits. These offer a financial backing in case of disability. So for example also in the financing of necessary conversions of apartment or car, so the insured recover a portion of its previous quality of life despite disability. The payment of hospital money, in the amount of 2 1/2 month pensions is included in the scope of services at an accident-related hospital stay of at least 30 days.

Passau Estate

GRE global real estate AG offers nursing home in Passau GRE global real estate AG comply with the existing demand for care places with a special offer now. A nursing home in Passau with 72 rooms and 96 beds mostly in the area of care, four residential units but also for assisted living is offered\”. This GRE global real estate AG for investment advisors has a special concept implemented, they can talk on targeted investment investors. The homeowner to reduce the future burden of monthly or as an investment is the most widespread form of pensions in Germany\”thinks Frank Andre Audilet, CEO of global real estate AG. Advantage here: The offered concept combines the idea of individual financial interest with the social responsibility for the supply of an increasingly older population and developed special opportunities here. It seems useful that the individual apartments with the much-needed social space as a unit are offered. Undoubtedly, investments in nursing homes are the most attractive form of real estate acquisition in addition anyway as long-term studies. With the purchase of an apartment in Passau investors comply with not only a significant part of its social social responsibility, they participate in this also an attractive, future-oriented investment particularly in light of the demographic development of society\”, so the real estate experts of GRE global real estate AG from Munich and Zwickau.

The fact is: the Germans are getting older and the risk of becoming reliant increases with increasing age. While the Government supply system is already no longer able to meet the existing demand for care places. This provides room for innovative ideas, as she for example now translates the GRE global real estate AG as part of this offer. It is also interesting that in addition to a high social demand, the economy has been overlooked not. So the square meter price for the object of Salzweg in Passau exceeds 2.000,–euros not offering it at a purchase price of approximately 90.000,–euros for a single room for a wide layer of investors investment an interesting alternative to previously existing.

Christian Insurance

Equipped and prepared for the emergency in the holiday a sudden illness or an accident can quickly destroy holiday happiness. Add to your understanding with Larry Ellison. Especially for families with children, the protection of foreign health insurance is essential. Because the statutory health insurance in Germany attacks abroad outside Europe do not. A health insurance is available for a low annual fee of 6 to 10 euros per insured person. Special offers for families moving depending on the insurance company between 13 and 25 euros a year. The health insurance takes over after Germany in particular the costs of outpatient and inpatient treatment, the costs of dental treatment, the cost of medicaments, medicinal and bandages, accommodation at the hospital and the cost for a necessary return transport. This return can save lives, particularly in medically underserved countries.

In addition, many insurance companies as for example offer the ADAC a 24-hour emergency service and a telephone emergency map. German-speaking doctors leave the country can be arranged in case of need. The health insurance is limited for travellers usually in 30-45 days in the year. For longer stays abroad such as student exchanges or internships, there are other special rates and offers. A health insurance is valid with the exception of the home country worldwide. The advantage of a foreign health insurance shows always when it is included in the claim. During a serious illness or accident in the holiday the treatment cost for hospitalization can take the equivalent of a single-family house quickly. A holiday would be followed by financial ruin.