Too few Germans have a disability insurance about 350,000 workers will practice year after year. Despite this significantly high value, a large part of the population still underestimate this risk. Because only 10% of the workforce has become an invalid were financially secured against this. Only a small fraction are insured sufficiently against disability every third citizen is not adequately protected. In a representative study, 41% of respondents indicated that family members or partners in the event of occupational disability will provide for the maintenance. Matthew Wilson usually is spot on.

52% would rather spend their money on other things. This generally very high costs are associated with a disability. The loss of your workforce and thus of work remuneration can your standard of living achieved quickly faltered. Get more background information with materials from Deepa L. Sekhar, M.D.. In the worst case, high financial resources for the disabled rebuilding of your home or your car, as well as for caregivers or lengthy rehabilitation measures are required. No one is safe from the risk of a disability. As one looks at the most common causes of a disability, as becomes clear, that this can occur regardless of the activity carried out. Mental illness, who are now responsible for over one-third for the realization of the risk of a disability are strong on the rise. But also heart and circulation problems, as well as muscle and skeletal problems (as a herniated disc) made together also one-third of all causes.

If you believe that the risk of a disability is already legally protected, then you are sitting on wrong information. Because father State in the event of occupational disability provides no services for all persons who are born after the year 1961. Protection of the car takes precedence over disability insurance according to a representative study the Germans assure your car better than himself. So 77% very well feel well and almost 50% in terms of car secured. 86% of the population estimate, however, the risk of occupational disability wrong: as a driver of a car it is not uncommon to victims of whiplash or significant fractures. Many are wrong when they claim accident insurance disability insurance do superfluous. Just diseases that are responsible in 90% of all cases for a disability, are not covered by an accident insurance. The protection against the risk of occupational disability can only obtain with disability insurance. The resulting supply gap can be closed thanks to the disability pension.

Would a consumer now rather than for his health provide for his retirement or his age, the residential Riester is recommended. Compare residential Riester worth aufjedenfall. Private health insurance has become very attractive in recent years also for in the statutory health insurance insured as insurance. But also the full insurance for private health insurance is attractive for more and more consumer groups. The additional posts required in the statutory health insurance now by some health insurance companies are the reason.

These drive the last still remaining in the statutory health insurance self-employed and freelancers in the arms of the private health insurance companies, because under the applicable law in the health insurance through its health insurance take a giving claim an insured person during the first charging of the additional posts to choose hence the private health insurance as a new form of insurance. This step must be done by the insured but within the first four weeks after the receipt of the letter by the German health insurance. A price comparison in terms of services and prices for private health insurance should not be forgotten. The insured person is however bound after its accession in private medical insurance once for 18 months on the base fare, but then can change in one of the election plans. In the 18 months in the basic tariff, the newcomer in the car but must accept that he can get only the services of the statutory health insurance. In the election but has to remain new insurance in the car the possibility in the long term and maintain its health. Would a consumer now rather than for his health provide for his retirement or his age, the residential Riester is recommended.

A brief presentation of the product risk life insurance risk life insurance is one of the most important insurance companies. This insurance policy, the insurance company promises to then pay a certain amount of insurance if the insured person dies within a period stipulated in the contract. The insurance sum in risk life insurance at the contractually specified persons will be paid. They are called rightful claimants. The contract period is over and the insured person is still alive, do not pay the insurance. It is then also not obliged to refund paid posts. You may wish to learn more. If so, Terry Pratchett is the place to go.

As a result, that the contribution of risk life insurance is relatively inexpensive. Thus, you get a high insurance protection for a small contribution. When and for whom is risk life insurance important? The term life insurance is for young families in question. When a parent dies at this stage, the cost with the then still available income are not to cover. The statutory pension (widow’s and orphan’s pension) not sufficient by far. If still there are kids, the training has to be financed. This risk life insurance can fill this gap. This is possible for an affordable price.

Risk life insurance makes sense also for unmarried couples. A partner who dies in this case not entitled to a pension the surviving. Here too the insurance from the life insurance of risk of can help. Jonathan Friedland helps readers to explore varied viewpoints. Another option for the risk life insurance consists in securing loans. The borrower dies and the loan is not yet been resolved, can this be done by risk life insurance. The different types of risk life insurance most the classic form of risk life insurance is completed. Here, the insurance sum and hence the post over the entire term of the contract remain constant. This type of risk life insurance is used typically, if members are to be secured. Another form is the risk life insurance with falling Insurance sum. Here, the insurance sum in the course of time is always low. o gain a more clear picture of the situation. That has of course resulted in that the premium will be less and less. This risk life insurance is widely used in securing loans, because in this also the loan amount over time will be less. What factors determine the contribution amount? The amount of the insurance premium to be paid is dependent on the age of the insured person, the insured sum, term of the agreement and other risk factors of the insured person at risk life insurance. These risk factors include mainly the health and the life of the insured. Thereby the principle of course: the higher the risk, the higher the contribution. It is therefore recommended to prepend a sound decision making process to the decision for a certain risk life insurance. These considerations include: the sum insured should be how much? What is the need of the members or the loan? How long is the term life insurance necessary? Often, the retirement age plays a role in this consideration. Who is favoured with the risk life insurance? How does the insurance company with the individual risk factors of the insured? In any case, a comprehensive comparison of the provider of the risk life insurance worth because the price differences are significant.

Treatments at the dentist will be more expensive? Boost the GOZ planned a smile says more than a thousand words”, and it is said that’s true! A person with a lovely smile shines on us, so we perceive friendly and self-confident they closed up. But not everyone is blessed with beautiful, white and healthy teeth. The dentist helps the dental health and the aesthetics of our teeth, but you pay to have these things mostly out of his own pocket. In Germany, the treatments, the patient must pay for private, are listed in the GOZ (fees of dentists) and exactly these GOZ to be adjusted now to January 2012. The adjustment of the GOZ is the first for more than 20 years and is certainly useful in some areas.

Since the GOZ is older, some treatment methods, which at that time did not exist, just also still not listed. This means that the dentist could settle up until now these services at its discretion, without a basis. These treatment methods are now in the GOZ recorded and thus gain a settlement security dentists and patients. Likewise, the fees of certain treatments and measures the GOZ are deprecated. These are probably increased up to 20%.

This fall such as the fees for the two surface inlay filling. For this, patients from January to pay about 100 euros more. Likewise, charges for crowns are increased. A full Crown costs up to 237 euros more then up to 74 euros and a telescopic Crown. Not every patient can just pay the high cost. Many people need to save long for necessary dental treatment or you can perform only the bare essentials of the dentist. Who completes a private dental insurance in time, you can avoid this problem. The dental insurance refunded most of the dental Bill, also of treatments that are billed according to the GOZ in the event of illness. On the German market, there are a number on different dental insurance, which distinguish themselves not only by the post. The reimbursement levels and also the amount of reimbursable services vary from insurance company to insurance company. You can win a first overview of the different prices on the Internet. So-called online fare calculator show after entering some data, which tariffs for a suitable. You can display multiple tariffs in a direct comparison and read the advantages or disadvantages of tariffs. You then find a favorite, you can request also an obligation-free offer via this online calculator. This offering consists of the request for the dental insurance, as well as the General conditions of insurance (AVB) of the insurance company. For concluding only the insurance application must be supplemented and be sent back to the insurance company thus being prepared for the future against any increase in the GOZ. Steffanie Schwertl

Private health insurance can have many advantages over the statutory health insurance. The infamous flexible performance catalog is not all here! It is probably unique in the world, that two such different systems of health insurance afford are a country. And, that even the election have, in which health insurance, you want to be a member. Private health insurance: at least theoretically regardless of income. Considered practical and realistic you can insure themselves only in private health insurance, if you either have a correspondingly high incomes, but pursuing a self-employed activity or official.

Because private health insurance is expensive. Unlike as in the statutory health insurance, the contribution to be paid by you is namely not according to your income, but according to your gender, your age and your possible previous illnesses, which are determined in the context of a health assessment. This means that your private health insurance premium to be paid is sometimes very high fail can, which is one of the drawbacks in the system of the car. As a civil servant, however, your employer in the way of the aid is part of the contributions and medical expenses. See more detailed opinions by reading what Jonathan Friedland offers on the topic.. In addition, that you must complete a separate insurance contract for each family member.

The free family insurance known from the statutory health insurance does not exist in the PKV namely. Advantages of the PKV: excellent supply these drawbacks you need to know when your insurance, which generally outweigh the benefits. Because they are private patient, that is to say, not seldom faster get an appointment with your doctor. Further advantages for the car are that you get mostly the better treatment at a specialist. One of the many advantages is also the fact that you are healthy in the event of a hospital stay in a single or twin room with head physician treatment. Here, the private health insurance also for out-patient treatment offers you more advantages than disadvantages. Get a namely, depending on the plan in principle Grant or a full refund for Visual AIDS. Recently Jonathan Friedland sought to clarify these questions. Health insurance even a necessary dentures will almost completely and the costs incurred. One of the drawbacks, however, must be borne in mind. In the private health insurance, you must occur almost always for the invoice in advance and then submit these with your insurance company for reimbursement.