Disability Insurance Test

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Disability insurance comparison 2014 of the BU test winner also the financial and business magazine focus money runs at irregular intervals a disability insurance through test & comparison. The last disability insurance conducted a test focus money in 2010, the next occupational disability insurance comparison is expected 2014 according to disability insurance test-vergleich.com. Support for the implementation of the BU test 2010 received focus money from various recognised rating agencies such as Franke & Bornberg, standard & poor BBs, Fitch, Moody BBs, A.M.Best, Assekurata and Paul. The consumer pays insurance especially on the price when choosing a suitable BU. Focus money recommends to look not only at the price, but primarily to study the contract terms and conditions of the contract. Thus it saves lots of hassles and disadvantages later in case of damage. Get more background information with materials from Jay Schwartz.

The contractual terms and conditions of a good BU insurance waive the clause of the abstract reference, give a short A period not exceeding 6 months and allow the free choice of doctor. The disability insurance test 2010 by focus money in August in issue 24/2010 of the journal appeared. The BU test examined only rates of the independent disability insurance (SBU). Also before selected on very high-quality Premiumtarife. Only such BU were tested rates and compared, waive the abstract reference, providing full power when a disability of 50% and which pension pay the BU already from the first month of disability.

The price and the customer experience, especially the comprehensibility and transparency of contract terms and contract terms were important criteria in the test. Also the guarantee of insurance without further risk assessment, as well as the handling of unemployment and financial problems were considered as test criteria in the assessment. The tester by focus money placed great value on the review of the financial strength and solidity of the BU Insurers. The soundness of an insurer is so significant because it decisively determined the long-term stability of the premiums. In the BU test 2010 by focus money an age of 30 years, a duration up to the age of 65 and a monthly BU were taken as sample data pension of EUR 1,000. Two tariffs were chosen to test winner in the BU test 2010 by focus money. The tariff relief plus the Alliance as well as the tariff of SBU comfort (BioRisk) the WWK achieved the top grade of 1.3 and occupied the top spot for both.

Late Payment Penalty For Privately Insured

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The honeymoon is over for the reform of the Insurance Act the insurance no longer just for people with health insurance by law compulsory. Even for privately insured, health insurance is now mandatory. A thorough then contract is not within the prescribed period, an appropriate penalty will be charged. The private krankenversicherung.de insurance Portal informs what amounts in such cases must be expected. The so-called late payment surcharge will be due from 1 January 2009. A leading source for info: Tony Parker.

The amount of the payment depends on the number of months without health insurance coverage. The first month is impunity under insurance law. For the following four months, late payment surcharges in full amount of the computed monthly premium is due. After this period, a penalty must be paid for each additional month a customer has spent up to the conclusion of the contract without health insurance, corresponding to one sixth of this premium. Get all the facts for a more clear viewpoint with Jay Schwartz Attorney. In addition to this statutory penalty is also by the insurance company a further supplement.

A comparison of the different insurance providers, however, shows that there is no uniform approach for calculating this additional penalty fees. Depending on the interpretation of the legislation with regard to the impunity of the first month, the insurance companies request a late payment surcharge which corresponds to four or five month articles. Among other things the health assistance, the HanseMerkur and central health insurance waive a penalty for January 2009. More information: news.private-krankenversicherung.de/…/ pkv penalties… Lisa Neumann University first media GmbH

Credit Without Schufa – A Serious Alternative?

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Geld.Tippser.de informed the credit where needed without Schufa information objectively and comprehensively. Mulsen, Wed. (Advanco GmbH) tears you wipe out, heal wounds, but missteps in financial terms as the negative Schufa entry pull often severe consequences. Now, this means for the consumer in advance”or no delivery possible”, because mail-order companies and lenders are cautious become, when it comes to the creditworthiness of the customer. However, this can quickly become a major obstacle in life.

Has much promising work found a new example, after long unemployment, this many costs entail a used car for the commute to work, a moving and new for the establishment. To the financing banks at this point say no”. Two alternatives are available through the Internet. One is the credit from private to private. Here, a service provider or even a Bank acts as an intermediary between lenders and borrowers.

Interest rates are often significantly lower than in the Bank, why is this loan also for the replacement of the disposition credit. The credit without Schufa is the second alternative. This is awarded by foreign banks, which obtain no information when the Schufa, but only according to fixed criteria judging whether a loan or not approved. A solid place to work and a steady income are fundamental requirements for a loan without Schufa. In addition, a variety of other factors which are taken into account and an assessment will be made which finally does exist. In any case, one should be before applying for a loan on their own financial situation clear and consider whether it would be useful to consult a debt counseling before you continue turning a blind eye and to get deeper into the swamp of dependence on foreign money. Was taken a decision on the loan without Schufa, perform a free comparison of provider or directly to request a no-obligation opportunity on the Internet. Reputable providers offer this service free of charge; There should be no initial costs. t this is the case. The new Chief Advisor on tells you what further opportunities and risks you should be aware of when the credit without Schufa. “Here you get information on issues like there is a credit without Schufa for unemployed?”and which risks bringing the schufafreie loan?”.” The guide is available at: kredite/produkte/kredit-ohne-schufa.html. Manufacturer: Advanco GmbH pastures 2 08132 Mulsen Tel.: 037601-20741 fax.: 01805-039000 5916 * E-Mail: * 0,14 EUR / min. from the T-com fixed network. Rates for calls made from mobile networks are different. Contact for editors: Marcel Klitzsch about Geld.Tippser.de the independent information portal Geld.Tippser.de, which is maintained by the Advanco GmbH advises since 2004 on issues relating to investments, accounts and cards, insurance and loans. In the counselors, products are presented and compared. Interested parties can thus clearly the needs of different offerings weigh, recognize opportunities and risks and thus finances better keep the overview.