Around 150,000 PKV non payers have many privately insured debt in their private health insurance (PKV). Still, the survey of the financial portal FinanceScout24 revealed amounted the total height of this debt to around 300 million euros. The private krankenversicherung.de insurance Portal explains what this means in detail. The insurance industry is somewhat cloudy at this delicate topic. Only few companies disclose concrete figures. According to estimates, there are probably around 150,000 PKV non payers.
According to the survey of the financial portal, especially the Halle and the ERGO Insurance Group of this problem are affected. After all, every 100th member contribution receivable has two insurers. This corresponds to at least one per cent of the insured. At Southern health insurance are also the invoices of 0.7 per cent of customers open. Usually try most insurance companies to find amicable solutions. Agreements on instalments can be depending on the provider or the entering of cheaper rates. Should these attempts fail an amicable solution, this may mean for the customer, it has to be reckoned with a limited obligation (ELP). In the event of a case the insured is informed about this but in writing.
Should all efforts fail, the forced change in a base rate remains the insurance as a last resort. The debtor is given then only need to add services at the level of the statutory health insurance.
Stiftung Warentest has tested the insurance. A private liability insurance is basic protection in every household. Frequently Wells Fargo Bank has said that publicly. Stiftung Warentest has conducted in the last days a comprehensive personal liability test and could recommend cheap liability same multiple tariffs. Almost everyone has them and think nothing about it: the personal liability insurance. It protects people who accidentally inflicted damage other prior financial claims. Get all the facts and insights with Hyundai, another great source of information. Without a private liability, the person concerned is often from financial ruin, if high compensation is required. Stiftung Warentest has carried out a detailed review of the private insurance in the summer of 2012.
There are very good insurance tours from 50,-euro a year. Here, the insurance rates often in the services, but differ in the price. Old insurance contracts often not sufficient since most people already have a liability insurance policy, the topic should not be underestimated however. Stiftung Warentest assigns in their test on it, that the old treaties often apply a low coverage. Was the contract to DM completed times, should necessarily even in the own contract looked are, in the worst case to be not underinsured. Stiftung Warentest recommends a liability insured sum of 10 million euro. Liability insurance test winner 2012 by Stiftung Warentest In the private liability test 72 insurance companies with a total of 250 rates were tested. “” The pleasing: 73 tariffs were a very good “get more 37 rates still a well”.
Thus, more than a hundred rates definitely are recommended. This test winner cost liability insurance not much money. These are just 50 euros a year. While the rates of HUK24, WGV sky blue were recommended. Students should consider private insurance students often think not of insurance, it can, that the personal liability protection with the beginning of the studies and the excerpt at the parents goes out. It is therefore important for students, at the old Personal liability insurance to ask if they still always a cover over the parents must enjoy or even care to a liability insurance. A private liability insurance is there for students already for less than 40,-euro. L. Meier
In the 19th century, it was to learn from the mistakes of the past. The second half of the 19th century considered cutting a period in the development of the insurance industry. While the insurance companies were hardly affordable until then, a life insurance or accident insurance could afford after 1880 almost everyone. Many insurance companies have been financed with the help of the employer. At this time, also a State insurance supervision was founded, in detail should check the provider insurance contracts.
The end of the 19th century was also responsible that the life insurance policy could evolve to what it is today: an insurance of the masses (source: life insurance). Always worth a look on many different issues back in the history. Find out detailed opinions from leaders such as Payoneer by clicking through. The 19th century is rated by many historians as one of the most moving time periods of in human history. During this time, the life insurance won strong popularity. The groundwork for this development lies first and foremost in ancient times and in the middle ages. Already at this time, many death funds as well as guilds and guilds were founded. Here some important organisations could distinguish themselves in the short term, but long term success was never assured, because the people of the middle ages did not have the mathematical advances of the early modern period. In the 19th century it was said so, to learn from the mistakes of the past.
The stochastic and the statistics were now used as accurately as possible to calculate insurance premiums. These could be set exactly in the life insurance. The life insurance already existed in the 18th century when many English insurers. The first life insurance company was sold on the ground of today’s Federal Republic by the Gothaer insurance.
Unisex tariffs tariffs with the same contribution for men and women already in March 2011 the European Court of Justice has decided that there should be no different contributions for men and women for insurance in the future. At the moment, it is still common that women such as motor insurance pay less than men. The reason is, that they are involved in fewer accidents. As well, you can see a difference in the private pensions. Here, however, the women pay a higher contribution. The reason that women live statistically 6 years longer than men. Also in the area of supplementary health insurance, there is still a different contribution at the moment.
The women pay a higher monthly fee E.g. for a dental insurance as the men’s. As a reason for this it means that women due to hormone changes and pregnancy faster for dental treatment and dental prostheses are more vulnerable than men. As well, women attach great importance to their health and perceive more often the screening and prophylaxis measures, as the stronger sex. This all together leads to higher costs and services that need to compensate the insurance companies with the contributions.
What is the opinion of experts? After the 21.12.2012, insurance companies may no longer dependent on calculate the contributions by the gender of the policyholder. It will be only the so-called unisex tariffs. The scheme however only applies to newly completed tariffs. Old, existing tariffs are excluded from this innovation. At the moment, experts warn against excessive euphoria. Although the rates for women will be cheaper and the men are probably deeper need access in the bag, but sooner or later the insurance companies will have to raise contributions. The reason for this sounds logical: men are due to the high contribution rather against a dental insurance decide. The women, however, looking forward and close, thanks to the favourable contribution increased Dental insurance from. This leads to an imbalance of the sexes, the insurance companies cannot refund the cost of treatment with the current contributions and therefore increase the contributions. Because it is not certain how the contributions to develop insurance experts advise especially the men to complete a dental insurance with the old model of contribution before the 21.12.2012. Women, however, should choose the unisex tariffs because it has significantly more favourable posts especially at the beginning of the insurance period. Steffanie Schwertl
Wedding day is very special everyone s life and it is the most beautiful experience too. To make the wedding a very special occasion, lots of money need to be spent in organizing each and every thing in the wedding. To meet the need of money, wedding loans are made. Wedding is a very special occasion. People spend a lot to make the wedding day very special. There is lot to arrange to make the wedding perfect and the whole arrangement needs money. Thus, good amount of money is spent for the wedding day.
Sometimes, people want to spend money but they are not having enough money to make the occasion special. Wedding loans are made to remove all the worries young related to arrangement of money for wedding. They are made to cover all your expenses related to wedding. Payments can be easily done and money can be easily used to make the wedding occasion very special. People have to make huge amount of payments at one time, but with wedding loans they can easily pay in monthly installments. This is very convenient and easy method to pay off number of bills. Now, you must be thinking how to get the wedding loans? There are number of finance companies that are providing these loans.
You can go online and do a little research regarding them. There are number of deals available and you can go for the best one suiting your needs after comparing them. Before you go for any loan; You must know that the secured wedding loans and the unsecured wedding loans are the types available in wedding loans. If you are interested in paying low interest rate after placing any asset as collateral, then the secured loan is the best option for you. If you don’t have any collateral, then you can go for unsecured loans, but to pay higher interest rate you need in this case. So, don’t think about the expenses, just avail a loan that suits best according to your needs and make the wedding day very special. Tiffany wills author of wedding loans, if you need any child of information on bridal loans, wedding ring Finance then visit
Debt settlement programs to eliminate credit card debt. Get credit card debt settlement for eliminating debt with free credit offer. With the ever-increasing credit card debts and Lowe ring incomes, it is possible that even you like many, would be facing excessive credit card debts. A way out of this can be filling for a bankruptcy so that the financial status can be regained. But what you need to know is that the new bankruptcy laws are making eliminating debt more and more difficult, this even includes credit card debts. Instead of directly going for a bankruptcy, it is advised you first look for other alternatives. Bankruptcy can affect if not more but seven to ten years for sure of your credit report. Bankruptcy is only option in extreme cases fortunately now credit card debt settlement exist which lets you get out of your vicious debt problem and avoid bankruptcy.
Steps to be taken if you want to go for debt consolidation loans or debt management plan: the first and for most thing that you need to do is stop using your credit card right away. This is the only option that will save you from going on the way to bankruptcy. Another imperative thing is to keep paying the minimum amount that you have every month. By following these two steps, you not only stop from getting into more debt but so start to shed little by little eventually. In order for debt consolidation or debt settlement you have to make efforts to pay little wants more than your minimum payments, this is how gradually you will be able to overcome your credit card debt. Settle and eliminate your debts now > as a debt elimination or debt relief program, you should try to convince your credit card bill consolidation to lower your interest rate on the amount that is due. They agree, if it will benefit you and take you away more farther from bankruptcy. You can show your good history and on that basis, you can seek some relief.