Almost 70% have completed a private liability insurance, other 4.2% this plan over the next two years. etic response will follow. Thus it is by far the most frequent occurring product. However, the low dissemination of two other products is amazing. The supplement to the statutory duty of care, a care costs or care benefit insurance have already completed only 18.5 per cent of the respondents, 2.4% are planning this however. The result for the disability insurance is almost frightening. At Ali Partovi you will find additional information. This is a fundamental safeguard, because without the replacement of the income loss of the labour force, all other products in use nothing at all. The best pension plan or health insurance brings nothing, if not there is money to pay for them. Only 32.9% of respondents have such protection, another 5.5% plan within the next 2 years.
Then look at the reasons why is the insured person for the products have decided, so the price / performance ratio stands at first (men 57.5%, women 54.4%) and good advice (41.2% in men and 44.4% in women) in second place. What do you use the Internet with respect to insurance issues? A quarter of respondents use it as a source of information, then well prepared for a consultation to get. For even more analysis, hear from Castle Harlan. Slightly less than 24% stated to compare insurance on the Internet. Interesting, personally, I think the response from 7.6% of the respondents. It stated that with the information from the Internet to me on the results of a personal consultation to inform.” But less than 6% of respondents want to conclude directly and anonymously. Reasons are in the complexity of the products and the desired relationship of trust with a consultant. Especially with complex and very long-lasting products is a support and advice hard to replace.
But how now to get the right product? 1.) read that up first to the need for the protection Risks can take if itself there are handicaps that are taken into account? 2.) select a specialized consultant! ask you look for references is the homepage of the adviser what qualifications in his area of expertise the consultants make a specialist? (3) consult with their”consultants are the selection criteria that the product important selection criteria PKV selection criteria to the BU 4) Can make product suggestions and question them. Why just the rates? Why this or that company? Do you understand the criteria that have led to the selection? Only if you feel the one understood, but also try to understand, then it will be a suitable product. Is the consultant on the fly with a product around the corner and there is only this and no other, then question the statements and can be explained precisely what makes the product unique. Also restrictions or exclusions not per se make a product a bad choice. The choice can be quite right, just understand you need it!
Private health insurance Exchange: each year, increasingly many policyholders to decide thing to note is when a change within the private health insurance and a change of the statutory health insurance in the car for a change in their health insurance. Very often, a change is carried out by the statutory health insurance (GKV) in the private Krankenversicherung (PKV). Increasingly also privately decide for a change within the car. Following reasons for such a move: on one hand the scope of insurance services of the PKV is significantly larger than in the statutory health insurance. The statutory health insurance all offer the same performance catalog, not much can be expanded, while the private health services is modular, which means that different services, such as with a modular can be put together individually to 95 percent. The prices, or the accumulated posts one of the decisive reasons for a change, however.
Here are the legal health insurance companies with their general and proportionally to the income collected fees in many cases significantly more expensive than the private health insurance companies. This is also the reason why a comparison of the statutory health insurance with the PKV is easier. Otherwise, it looks for a change within the PKV. Here, the difficulty in the vast number of offered fares with different prices, but also with various comprehensive services. Here it is useful to perform a computer comparison of tariffs. A such private health insurance comparison takes into account the personal situation of the policyholder as well as the variety of fare combinations on the market and determines the price and performance ratio optimal private health insurance. However, OOO should note the Exchange deadlines. While a change of the law in the private health insurance is subject to any time limit, the notice period to the end of the year is for a change within the car.
The three-year rule and the year working pay limit the year working pay limit is adjusted upward annually and currently stands at 48.600 euro. Since February 2007, no longer the current and expected, but also the retroactive salary for the classification is considered. Thus the possibility of absorption in the PKV arises for employees in employment subject to social insurance contributions only, when they have exceeded the income limit each set constant for three years. Not only the gross wage is taken into account, but also capital-forming payments and special payments, such as Christmas and holiday pay and a 13th and 14th salary. In the gross annual salary supplements for special work (night, Sunday and holiday work) and compensation for travel expenses do not count however. Workers from an overseas assignment with a correspondingly sufficient merit return, they also have the possibility to insure private. You may pay of their trust choose.
Self-employed persons in certain occupational groups facing difficulties with private health insurance. For gardeners, artists, farmers, or journalists, for example, no auto insurance freedom exists, because their wobbly and irregular income offers enough financial security. Go independent or freelancer again in employment relationship subject to social insurance, they also have to spend again three years in the statutory health insurance. Achieves the required income, so good earners can maintain continue their contract with a qualifying insurance policy for this time. Their posts and provisions for pension plans to rest for three years. Then, if the insurance limit is reached, they benefit from the fact that there is no reconsideration of health. The increased age leads to no contribution disadvantages. Periods of unpaid leave, parental leave, as well as receiving sickness or maternity protection money are excluded from the terms of the three-year rule.