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Gaps in the legal system not only the proportion of older persons will rise steadily in the coming years and decades – also the proportion of dependent persons. The personal protection of a private care insurance becomes increasingly important here, because the statutory long-term care insurance services provide high own co-payments. Meanwhile, there is also a care insurance, which is lockable without the usual health issues for broad groups of the population. In outpatient care at home III (severe long-term care) arise quickly around 1.200,-euros in care level monthly equity, if one has taken no sufficient financial provision of about about a suitable care insurance. Credit: Assurant Health-2011. The equity can be quickly twice as inpatient care in a nursing home.

But also in the maintenance stages I (significant long-term care) and II (heavy care) the Government payments for a good supply not sufficient, so that a private insurance by consumer associations is highly recommended. More and more citizens want to close this gap with a care insurance, in the case of an AIDS secured to be and may not fully having to use up existing assets or to become the charity case. Similarly as at the end of a private health insurance usually extensive health issues must be, answered at the conclusion of a care insurance but what can cause health problems risk premiums, performance exclusions or even a rejection of the application. Meanwhile, there is care insurance without health issues. Almost every person can end such a tariff, if not already certain especially serious diseases such as such as HIV infection, brain tumor, dementia and Multiple Sclerosis have been diagnosed. The downside is a waiting period of three years: who completes the care insurance that would three years after commencement services on the basis of a new entering long-term care received. This ensures that you are a long-term care assured not only shortly before. Visit Glenn Dubin, New York City for more clarity on the issue. A long-term care caused by an accident, no waiting period applies.

Learn more about the topic of long-term care or selection criteria to the private care insurance can be found on the website. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Yuri Arcurs / fotolia.com about Bergische Assekuranzmakler GmbH (Wuppertal, Germany) the Bergische Assekuranzmakler GmbH operates as an independent insurance broker. The company based in Wuppertal has written himself a high-quality advice on the flags and opts for a sustainable, social and environmental policy. To do this, the Bergische Assekuranzmakler GmbH with more than 100 different cooperates Insurance companies. Customers are mainly via the Internet, by telephone or by mail care – when preparing offers, as well as in the event of a claim. One of the focuses of the consultancy is in the range of cover biometric risks (disability, infirmity or disease). The strength of the company Bergische Assekuranzmakler GmbH is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups.

Investors can look forward from February 2011 on more interest on the money and double interest savings. With the new month, the TARGOBANK day money and double interest savings with new interest will present itself. Because, as the Bank has already announced it will increase the rates at the above colection investment products to February 1, 2011 to 20 basis points. The double interest savings, the base interest rate on deposits, there is up to 50,000 euro increased to 0.75% per annum. Increased savings annually to at least 600 euros, doubled the interest rate to 1.50% interest per year. The double interest saving is attractive especially for investors, not completely get rid of the good old savings account, their savings but still know in good hands.

At a monthly savings rate of 50 euro, 1.50% interest rates already p.a. safe. The double interest savings account is managed simply and easily accessible from the local computer. So can follow customers always up to date and watch their money grow. More double interest saving the TARGOBANK there under… . Also, more interest there in the day money account.

Instead of 1.00% savers from February received 1.20% APY namely p.a. balance up to 50,000 euro. There is neither a minimum investment amount or account management fees, so you can unfold the interest free and enjoy all investors with a ungeschmalerten return. Also in terms of security, offers of the TARGOBANK convince fully. Through the membership of the Federal Association of German banks, the deposits of each customer are protected up to a height of 207 million euros. Who wants more intensively dealing with the subject of deposit insurance may be under… more detail inform. Christina Korpert

As the legal form affects power health insurance benefits there is a difference whether private health insurance as a corporation or LLC changed its name? The Internet portal for private krankenversicherung.de shows that the legal form of a health insurance company can certainly have influence on the insurance services offered. For the policyholder is the knowledge of the characteristics, bring the health insurance companies in the form of joint stock companies (AG), insurance associations, mutual (VVG) or in the form of an institution under public law with meaningful guidance on choosing the right provider. The decisive criteria, which are different the individual legal forms and pay attention to that, are the composition of the insurance community, the expected return and the number of insured persons. Due to its prominence in the market and the resulting large number of policyholders and rates, companies seem to be a safe alternative. For her entrepreneurial skill is prerequisite to the investors on board to be able to keep and are in the market. At the same time AGs of regulated are subject to and as a result less flexible in their decisions as, for example, insurance clubs reciprocity or health insurance in the form of a public law institution. Here, less is the profit maximization in the foreground, as rather the benefits for the individual. Because health insurance companies just in the form of VVGs can have a smaller customer base and more flexible Act, they provide the most special rates for their policyholders.

Some special models for smoking or for vegetarians are not uncommon. In the past, VVGs were so often pioneered schemes which sometime were later also adopted by other providers in the market.

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