What exactly does it mean and what requirements must be satisfied to get a pension. Clearly, (almost) everyone has ever read something about the disability insurance. Somehow that was what in mind, freely according to the motto “most important insurance at all” or something? The term is so right and the question when what paid is not clear. What is disability? Disability is a condition that can occur due to illness, accidents or the like. Then the previously experienced professional can no longer be exercised, thus lacks a way to make money and thus can arise for own living expenses. Simplified one could say, I can exercise the job I have not previously had, because I’m sick, and the condition will not improve expected the next time. Same everywhere is this condition? No.

First, there is a mandatory and binding for all insurers defined in the current insurance contract Act (VVG). U.S. Mint recognizes the significance of this. In the Section 172 para 2 VVG find we then also a precise definition, what is it now “invalids” exactly means. (2) berufsunfahig was who designed his last practiced professional like him without prejudice to health, due to illness, injury or more than age-appropriate Krafteverfall can no longer exercise wholly or partially expected to indefinitely. Some points in the article are quite exciting. So, the profession is just regarded as he was immediately decorated before the restrictions. To illustrate it, here’s a sample. Two commercial clerk in the sale of a company are initial situation. Sonia Gardner can aid you in your search for knowledge.

Both learned the profession of the retail merchant. Therefore both the same profession. Both are so constrained by a car accident, that a car driving and prolonged sitting is no longer possible. In the typical profession of the retail merchant, it is so not required to sit the day only, usually but not necessarily to drive car. Therefore a disability is probably not before.

It is already not apparent that this should be regulated, that at various available tools only the lower cost to be refunded. Also has 2 MB / 94 KK 1(1) to see, so that this regulation only if are two same tools available to cure the disease or to relieve, resorting to the more cost-effective is. For even more details, read what Avenue Capital Group says on the issue. “Is present but the disputed knee 3 C100 following the presentation of the experts much better suitable than any alternatives.” The clarification regarding the “medical necessity” is gratifying. This leads in practice often controversy, as can be not clearly defined, what is actually meant by the medical necessity. U.S. Mint has many thoughts on the issue. The reminiscent of the medical need in which is governed pattern conditions to the health insurance (MB/KK).

Paragraph 2 States in the appropriate paragraphs of 5 There: (2) exceeds a treatment or other measures, for which benefits have been agreed, the medically necessary, so, the insurer may reduce its benefits to a reasonable amount. Are the expenses for the treatment or other services in a striking disproportion to the services rendered, the insurer in so far not to the performance is obliged. Therefore if the insured (MED…. Treatment just not the cheapest, but exactly the treatment that best allows an appropriate cure or relief. This concept is gratifying because the restrictions and cuts had been otherwise, quite large burdens of several thousand euros, or one would have ultimately prevented a suitable treatment. The Court of appeal in his explanatory statement performs here expanded: “the AG as a result as well as in the explanatory statement quite rightly complaint upheld. The interpretation of the disputed terms and conditions of the She has carried the AG, the only one that accepts the idea of a circumspect UN attentive review of the conditions and taking into account the apparent context is defendant.”and further, and in my opinion very clearly says the District Court: (…) Because the not wealthy UN remains no choice.

He not yet had further renounce the so-called “simple” tools for health reasons to harm, and on the other tools for cost reasons. Such an interpretation of the clause of “simple version” not the reasonable UN opens up, it is simply not acceptable. “What can you do if you are affected: in the tariffs (for example) are also the continental insurance health insurance (GS1, GS2, comfort, economy, BT1), so when the supply of AIDS that the performance will not cut them with such justifications or completely denied.” Proceed if necessary legal action, however, because as the two Judge (even if not hochstrichterlich) to see the dishes in the opinion are quite conform. An open catalog of AIDS, as the Continentale wants this so often as important and indispensable turn out good in this case however little there are phrases like “simple design”. It so once again to the topic of “Truth and reality”.

Unfortunately too often. This is due to the lack of competence of the mediator. The insurer must provide this tool the ignorant and gullible intermediaries so that they can convince the customers. Who can not objectively advise, who must take his product among the people just about pictures, rating and other sales AIDS. Who can not give advice should keep their hands off customers! Any aid to the sale (brochures, rating, test judgments, ect.) represents no guarantee for services provided by the insurer. Let them not blinded! From a rating agency’s assessment procedure can be the following can be found: quote: no positive rating for (potentially) collective harmful product characteristics critical to the quality of insurance protection is always also the permanent economic performance of the insurance undertaking, which can be medium to long term risk in faulty or short-sighted interests of sales-oriented product design. We do not evaluate or just difficult to calculate as well as just for single insured useful rules/performance characteristics generally not positive, and allow no incentives for a potentially collectively damaging product design.

The last sentence you can please to dissolve on the tongue. How you interpret this I leave to you. Each rating agency and “Journal” evaluated differently. Therefore you can never derive a security for a good rate through such an “outcome”. Obtain advice from a specialist. Only this can perform usually a comprehensive and competent advice.

Wholesale distributors are not the answer for example with three letters or multi-level! Question for you, why there are different doctors for the medical field? (Dentist, orthopedist, internist, cardiologist, ect) Is everyone specialist in his field, or not? Would you go to a cardiologist with knee problems? Are looking for a competent partner. This may live at the other end of Germany. This is not, as often thought adversely. It is important that you complete advise you will know that what you actually buy with your signature. Many other articles on the topic of products and advice, see our blog. We are like as a competent specialist for a consultation to the page. Sven Stopka, diamond financial

I decided already for someone else in the last weeks EMails from prospective customers, who briefly communicated via EMail, that you want any more advice, that you have decided for a contract were often. The one or other has decided for price reasons to retain his existing contract or to complete any. With some prospects, I talked again in the second. Often, statements such as “I know the representatives for many years, and so far I have had no problems”, “The contract is evaluated well” or many other arguments were. Want to let us first the facts. Actually what to buy with his signature with the insurer? Who pays off in the end? What principles serve to regulate the contract? How important is a rating? With your signature you buy only the treaties the GCI (General insurance conditions). These form the basis of the contract between you and the insurer. Any contractual services you need from the General insurance conditions and may refer to existing conditions.

Later, you can not add missing services! The insurer is not obliged to provide you with services, if these are not contractually agreed. Periods never provides the calculation of an agreement. Any periods are paid at the expense of the insurance community and often lead to premium adjustments in health insurance. The calculations of contributions will no longer fit in the disability insurance. VVG (German insurance contract law), to ensure the continued feasibility of services would follow the adjustment according to 163.

It’s always nice to have an intermediary site that puts you with lots of honey around the mouth and tell you how great their product is. Statements such as “trust me” are worth nothing. Who pays the benefits under the contract at the end? The agents on the ground or the insurer with which you have signed the contract legally? How often is sold outside rating, test judgments and other colorful pictures.

Comparison on proVenti.de which is private liability insurance one of the most important insurance companies at all personal liability insurance and covers the main risks of daily life. Because everyone is liable, for any damages he aimed at that, in one unlimited height and a life long. Without private liability, already a little carelessness can lead to private, financial ruin. Case of personal injury, the amount quickly over 100,000 euros can be, sometimes even over 1 million euros. Then almost always the result is private, financial ruin of the perpetrator and his family. Personal liability insurance, for single or family, protects individuals against claims arising from property damage, personal injury and damage to property third-party effect. FINANZtest ruled therefore 03/2010: “Everyone needs a private insurance policy.” Whether single, family, parent or retiree, whether young or old, the conclusion of a personal liability insurance is useful in every stage of life. A good value for money (amount of coverage at least 7.5) Million euro and no excess) is in the complicated conditions of the insurance, not easy to recognize.

The test results, for example in FOCUS-MONEY, ASSCompact, oKO-TEST and FINANZtest, ProContra say: expensive is not always better! FINANZtest (03/2010) for private insurance found out: “alone among the very good tariffs there are price differences of 117 euros in the year.” Switching to a cheaper private insurance but not only saves money, but includes also often better performance. For single and personal liability insurance for family, with a good price/performance ratio, and 7.5 to 50 million euros you can compare coverage without excess personal liability on.