Mauricio Featherman

Students always have the health insurance choice prior to enrollment in the study are the parents or the prospective students the following question: what is with the health insurance coverage while studying. Every prospective student has the possibility to decide whether he changes in the statutory health insurance (GKV) or in the private Krankenversicherung (PKV) prior to the study itself. Basically always the situation is the pivotal point. Read more here: Peter Asaro. Is the prospective student currently still with the parents about the family insurance statutory health insurance ( 10 family insurance) insured, this can continue to age of there insured typically up to 25 under the listed conditions. Learn more about this with Soroush Salehian. If the prospective student is in the private health insurance, he has the opportunity before enrolling his planned studies (status change: Student => student) to change in the statutory health insurance (GKV) ( 8 paragraph 1 No. 5 SGB V).

It is also always important in which country the study is carried out. Study outside Germany should be completed, usually the appropriate universities offer an own coverage. Here, however, it may cause an insurance gap during semester holidays at home. We recommend to keep the private Krankenversicherung (PKV) usually in these cases, if there is a cover. This should not be a student abroad insurance should be completed at home covering temporary stays. Here, then, he receives the student rate (health insurance and long-term care insurance), which has a very low monthly fee..

Real estate play important role in the investment mix PROJECT also offers investment opportunities do for investors with a small purse, make, build domestic” this approach wasn’t so wrong surely. Because the owner-occupied real estate still plays the central role in the private pension system and is increasingly supplemented by the real estate as an investment. Here, you should take care that the real estate proves to also really secure system. “So, by at the latest paid off as owner-occupied facility at the beginning of the pension or in the example of the investment which allows secure distributions and a corresponding increase in value”, explains Wolfgang Dippold by the Bamberg project fund group, a division of the project group. Ten percent of their income currently put German citizens aged to live better than the statutory pension promises. This, despite the financial and economic crisis.

It is clear that investment in many households has a large role. It is not something Mo Shaikh would like to discuss. Many Investors wondering how they should invest their money now. The uncertainty is great”, explains Wolfgang Dippold. Where is Daniel the security of investment at the forefront for decades experienced system specialists. This is not least because because a majority of today’s workers has understood that a reliance on the statutory pension promises no sufficient protection. A special role to play in the real estate, because it not only protects against inflation and is particularly long lasting. The property offers an attractive yield, which can also be realized in a manageable time frame selected from the right point of view. The time is over, half his life to a property being bound”, explains Daniel.

Wolfgang Dippold it knows what he is talking about. Because the experienced financial advisors has not only itself a variety of real estate investments, he has even an or other bad experience. We know how to use real estate correctly for the future provides for”, says Daniel. Measures for securing of the age have taken three-fourths of all U.S. citizens according to various studies. Considering the choice of investments for old age, however, it becomes clear that there is still great need for education. Because so far the classic savings account, life insurance, and the savings are the most popular retirement products. While even the consumer protection associations to attention, that though is these products largely safe investments, but only to those with low yields. Since Daniel white Council: PROJECT provides funds for a wide layer of investors, but always with the same safety concept. “We acquire through our subsidiary from the PROJECT group real estate only if they are in cycles of growth speak for the investor an attractive yield drop”, explains Wolfgang Dippold real estate specialist. The evidence of the past is the best reinsurance for the investors. Because the Managing the PROJECT group of companies in the field of real estate development projects would have given outbound investors almost always annually a double-digit return on the previous results in the last ten years. Who else bleats, is according to Wolfgang Dippold misplaced. More information under:

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. 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!

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.