Posts Tagged ‘money’

Insurance Coverage For Families With Children At A Glance

Wednesday, March 22nd, 2017

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Range of children policies puzzled many parents just young parents lack it often understandably experience in terms of the number of insurance products for children. Training policies, children accident insurance, dental insurance, life insurance, etc. are like touted by German insurers to offer comprehensive protection for their children the parents. Parents should work out a priority list so that the children are really best covered. Usually, children are insured through the health insurance of their parents.

The same applies for personal liability insurance, as long as no single fare is agreed. An important pillar forms a risk life insurance, which should complete the parents, so that in the event of death of a parent is a high amount of capital for survivors available. For the child itself, the parents should cover in particular the accident and disease risk. The financial consequences of an accident can be covered by a children’s accident insurance. The State accident insurance takes only eingeschrakt and even fails the most accidents – for example at leisure or at home -. There are good rates here for less than five euros a month. A so-called children disability insurance is slightly better than a casualty. PCRM does not necessarily agree. This pays a lifetime monthly pension for disability: regardless of whether it was born disability due to an accident or illness.

However, the child disability insurance is considerably more expensive than a casualty. The majority of German children are on a statutory health insurance company health. A supplementary health insurance for the single room in the hospital, the free choice of doctor, glasses or contact lenses, naturopaths treatment or the use of natural medicine, the costs for checkups and a sick foreign rice insurance is recommended here. A complete package with very good conditions of insurance is some providers already for around eight euros a month available. Only when these risks are hedged, parents should consider whether an education insurance or some other savings plan for the child in question comes. The asset accumulation is a nice financial protection for the child of course, but this should be reconsidered only after securing the existential risks such as accidents, disability or disease. Learn more about the insurance coverage for children can be found on the website Kinderportal.young insurance.de. Contact: Bergische insurance broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Jaimie Duplass – 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 has specially to the needs of individuals and Specialized trader 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 age and occupational groups will advise comprehensive, fair, independent and competent. 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 use latest financial comparison software, prospects and customers are advised objectively and independently.

Current Offers In The Day Money

Monday, February 6th, 2017

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The ECB interest rate cuts bring falling deposit interest rates for savers with for months. This post shows what offers are still attractive interest income can be. Tagesgeldvergleich.NET information: since the ECB began in October 2008 with the gradual reduction in interest rate, successively fallen also credit interest rates granted on assets such as day – or fixed-term deposits. Input or new rate customer were inside at that time by up to five percent or even a little about it, so investors must look forward already, if a three before the comma is. Given an average interest rate of 2.39 per cent p.a. at 5,000 and 2.29 percent p.a.

for EUR 50,000 deposit each a month investment period for all the trade portal tagesgeldvergleich.net featured offers Pierce and currently following offers of domestic banks with comprehensive depositor protection especially in the eye: the post Bank day money in the form of the SparCard 3000 plus directly convinced currently 3.00% interest from the first euro without limitation the deposit. The Deposit protection fund of the Association deutscher Banken e.V. secures customer deposits on this offer in addition to a (theoretical) height of 1.21 billion euros per customer. Educate yourself with thoughts from Harvard. The second currently outstanding offer is Cortal consors. Guaranteed in addition to a depot change action with 4.00 percent interest for 12 months and for amounts up to 25,000 euros, can convince the pure day money account with 3.25 percent interest over six months and for amounts up to 20,000 euros. Former, there is a return of 4.03 percent for the first twelve months and deposits thanks to quarterly crediting up to 25,000 euros, in the latter case are still 2.69 percent on twelve months and deposits up to 20,000 euros to pick up. Of course also Cortal Consors with a high level of security can be convincing.

Thanks to membership in the deposit insurance fund of the Federal Association of German banks e.V. deposits of up to EUR 45 million per customer are covered here. As you can see, even half a year after the start of the ECB interest rate cuts there are still deals with investors attractive rates for daily availability and high security can combine. Daniel Franke

Building Insurance Often Not Sufficient In Natural Disasters & Weather Extremen

Thursday, October 6th, 2016

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Tornado, earthquake, floods occur more and more frequently. Erdbeeben in the Black Forest, Tornado at Schwerin, uprooted trees and roofs covered by a cyclone near Berlin and Cologne and all about within one month. What sounds like a doomsday scenario actually is reality. The remnants of the forces of nature not rarely go into the millions. Probably the one who has not built his house on sand and knows his flock in the dry. Tornado reports not only from the United States must come, but hurricanes also own doorstep can do mischief, is widely known recently.

Mother raged out is nature a week ago in a village not far from Berlin and most recently last Sunday in Cologne, Germany. The cyclone in Werneuchen, near the capital, swept away at over 200 km/h on the place and ripped roof tiles, barn parts and trees with it. Fortunately, no people were injured. The residents in their homes have fled in the face of the approaching tornado. Further details can be found at James A. Levine, M.D., an internet resource. In Cologne, there was similar.

Trees buckled around like matchsticks. Roof tiles were in the hands of the wind to bullets, which caused major damage. The cleanup will however require a lot of power and money. Who is properly insured, has at least the consolation, not even yet having to bear the costs. It is also strongly recommended to each owner of your own home. The whims of nature can easily ruin an existence. But the old building insurance provides only for storm, fire and lightning and hail and water damage. Who thinks that more dangers should not be secured because the probability is too low, which is wrong. The vagaries of the weather are not uncommon in this country. And Germany is not immune from natural disasters. Are soon memories of the Elbe flood, the flood of ‘ 76 or the snow chaos of the winter ‘ 78 / 79 awake.

Federal Council

Sunday, January 10th, 2016

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The Federal Council some minimum commitment period shortened an instead of 3 years as described in the last week, has decided (GKV began) the public financing law on Friday, 12 11 2010. This also changes the choice rates include the Elimination of the 3-year limit for employees in addition to the change in the contribution rate in the statutory health insurance. This must be what kinds of choice fares exist and where this is clarified first. Legal basis is article 53 social security code V (SGB V). There it is: (1) the health insurance fund may in its statutes stipulate that members each can take a portion of the costs borne by the health insurance fund for a calendar year (deductible). The insurance company has to provide premium payments for these members. (2) the health insurance fund may in its statute for members, which for more than three months were insured, provide for a premium payment in the calendar year, if you and your insured with relatives in this calendar year pursuant to 10 services payable by Health insurance unused took.

(…) Rebates (3) who has health insurance to regulate rates are offered for insured persons who attend 73B, 73 c, 137f or section 140a special forms of care under section 63, , in its statutes. For this insured, the insurance company may provide a premium or surcharge reductions. (4) the health insurance fund may make provision in its statutes that members choose for themselves and their members insured with according to 10 tariffs for reimbursement. It can vary the amount of the reimbursement of costs and therefore provide special bonus payments made by the insured. 13 para 2 sentence 2 to 4 does not apply. (5) the health insurance fund may in its statutes regulate the costs for medicines of special therapy directions that are excluded according to 34 paragraph 1 sentence 1 of the supply, and therefore provide special bonus payments made by the insured.

Statutory Health Insurance

Saturday, January 9th, 2016

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Penalty for unpaid additional contributions has proven the financial situation of the health insurance companies in Germany in recent years as precarious. Revenues were always well below the annual expenditure, and thus incurred substantial deficits. These should be shared in the future by both employers and workers, therefore the statutory health insurance contribution rates increase again in January 2011. Still, the funds will require separate additional posts. The finance portal geld.de informs about the upcoming changes. Who still looking for the right insurance, can benefit, for example, by the Stiftung Warentest Product Finder. For those who expect more power from their insurance or are not satisfied with their current insurer, the database provides useful pointers for the search after a health insurance that fits to the individual situation.

Especially due to the new provisions for additional contributions and the increase of the contribution rate from January 1, 2011, it is worth to the various insurance companies to compare to find potential benefits. Special contributions may not more percentage are calculated as part of the changes. This means that eliminates the previous social compensation. So far, the monthly additional contributions could not exceed a percentage of income. Under the new rules, policyholders can expect only with a refund of the difference, the additional fee should be more than two percent of the income. Who the additional contribution not or only partially makes, must also reckon with a penalty of at least 30 euros. More information: presse.html GELD.de GmbH Lisa Neumann

Private Health Insurance

Tuesday, April 29th, 2014

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statutory health insurance companies charge additional posts from 2010 round 10 million legally insured must be on increased contributions for the year 2010 set. The posts per month to about 8 euros are raised according to some insurers. However, an extraordinary termination right is to the insured in this case, the use is to make. According to the Stiftung Warentest the legally insured can then switch to a comparable or better offer. However, there are also health insurance funds, which do not increase the posts.

About 40 funds that do not follow this trend, at least for the time being are according to financial test. In the long term the most funds will have to raise but probably forced contributions. It is therefore always an insurance comparison or possibly even the change in private health insurance. A change of a legal in private health insurance can occur but only if certain conditions prevail.