Dental Insurance

Current results to the dental insurance in the Stiftung Warentest. In the current issue of the Stiftung Warentest, the dental insurance more closely scrutinized were taken. Almost every 2 years comes a new comparison of dental benefits by Stiftung Warentest. Patrick yang does not necessarily agree. This shows that not only now for many statutory health insurance dental insurance plays a major role, is a clear trend to the supplementary insurance for teeth but also many institutions. What does a dental insurance? Because the statutory health insurance just when the tooth replacement cost makes more and more savings, only the way of additional protection to many there. Services, which take up to 100 percent of the cost of dentures, are offered here. However, caution is required here, because not all insurance keep what they promise.

It already very many of these insurance companies were checked and it turns out that not every actually takes over the services offered. Those who opt for such insurance should know that no dental insurance assumes the entire cost of dentures. This concerns above all the patients for a very expensive benefit falls on. Right from the beginning, who has a bad tooth condition, must reckon with a rejection of the inclusion in the insurance. The dental insurance calculation of contributions differ in two different variants. Some insurers set the post according to the age of the customers. Here the insurer may not terminate but the insurance and the insurance conditions specified are almost never changed.

The next version, the contribution is raised with increasing age and even increases due to cost increases are possible here, and the insurer has the can the insurance company cancel within the first 3 years. The dental insurance offered by private insurance companies. Who buys such insurance on his health insurance, need to know that the Fund only as an intermediary between the customer and a private insurer occurs. Therefore a dental insurance is recommended comparison on the Internet or with the help of a broker. Benefit is worthwhile especially if the customer has to make very high equity stake in tooth replacement costs this insurance. The often offered tools for example for tooth-preserving measures are hardly beneficial, because these costs mostly by the statutory health insurance are paid. If a treatment has begun a dental insurance pays nothing if the contract is concluded then. For achievements in the field of Dental restorations, a dental insurance, however, is an optimal opportunity strongly to minimize its cost of equity.


Does the treatment by alternative practitioners make sense? So far, only the private health insurances cover an expensive but effective treatment by alternative medicine for their patients. A private supplementary health insurance or an outpatient supplementary tariff allows even patients an alternative medical treatment without cost explosion in the supplement. The practitioner insurance is intended for all those who place great value on the unfortunately always still not recognized naturopathic treatments. This form of protection but also suitable for glasses and contact lens wearers, because their lenses and glasses can quickly blow the money bag. While conventional medicine focuses mainly on eliminating the symptoms of a disease, alternative medicine aims such as homeopathy, acupuncture or osteopathy rather, to find the cause of a disease and to eliminate.

She sees people as holistic beings, which is equipped with self-healing powers. Statutory health insurance funds are more critical of alternative treatment methods opposite, because its effectiveness is not scientifically verifiable and they also shy away from the costs. Only a few secure therefore the costs for alternative treatment methods in their performance catalog and offer only standard services. With introduction of health care reform, the statutory health insurance have also restricted their services. Uses the outpatient additional supplement plan of a private supplementary health insurance you can supplement the legal insurance coverage in places where services have been reduced or cancelled entirely. A patient has the choice between the allopathic treatment covered by the health insurance fund and fee-based treatment by a therapist, he is looking for the school physician for cost reasons, although he actually prefers the naturopath. Does he pay some euro a month more, white but, that the visit to the practitioner is insured up to 80% with an additional insurance for health practitioners and can so confidently choose the treatment method, the It appears effective.

Kennel Insurance

Master dogs and puppies together insure everyone is liable regardless of fault. Unlimited, with current and future assets, up to a period of 30 years, to persons, damage to property and pecuniary losses. Why a Kennel liability insurance? The legislature has set that every owner (holder) a dog of the so-called strict liability in accordance with 833 is governed by German civil code (BGB). That means in plain language: the dog harms a third party on his health or his assets, the owner is liable to make unlimited amount and regardless of fault or Nichtverschulden. The consequences of liability: any threatening payment obligations for the party that caused damage, ruinous consequences for the victim, if the polluter cannot meet its payment obligations. Is it possible to bridge this gap? The liability insurance indemnifies you from damages, against you raised are, and coordinates the settlement of the insurance case. Our dog owner liability insurance goes further still, where other products already stop.

Over the usual coverings, we have various coverage extensions and increases that are unrivalled in this combination. And this at very fair prices. Services in the case of insurance: check whether and, if yes, to what extent you are obligated to pay damages, reparation of the damage, ward off unjustified compensation claims, in this context are court processes led by the insurer and financially supported. The special highlights of selected tariffs: the liability risk as a holder of dogs for private purposes including the breeding is assured. The following extended coverage is in addition to the risk of the holder: insurance cover for any breed of dog, participation in greyhound racing, as well as the training, exercise of agility sports as well as the training to do so, participation in sled dog races, as well as the training, participating Dog trials and exhibitions as well as insurance coverage even when running the dogs without leash, damage caused by an act of intentional and unintentional deck, floor damage risk, volunteering to the rescue & mountains of people & things (rescue dog clause), temporary stays abroad can be up to one year, animal keeper risk different tariffs for example, online compare the training, and immediately close down if necessary. Special rates are offered exclusively for members in the VDH.

Preexisting Conditions

Risk pre-registration questions help in selecting the appropriate provider of private disability protection is existentially important for all working people, as the State protection of the statutory pension scheme is woefully inadequate. Often, appropriate and high-quality disability insurance fails however to health complaints, which must be specified for application. Often the insurer require high surcharges or even reject applications. Independent insurance brokers can clarify advance with pre-existing conditions within the framework of a risk preliminary inquiry at various insurers, as the State of health will be evaluated by the disability insurers. Who submits an application with an insurer despite health problems on your own and then pay a risk premium or even rejected, usually automatically lands in the venture file of the insurer. Other disability insurers can then access this data and an application would be particularly critical check, if an insurer has previously rejected.

The safer course of action would be there, by means of an independent expert to the disability insurance calculate the possibilities beforehand and then ask a risk preview of several eligible insurers. This has the advantage that several insurers parallel check the health information and then submit their assessment, adopted a proposal on what terms. The handling of the insurer is quite different here. While some insurers quickly reject requests with certain pre-existing conditions, other insurers often work with performance exclusions, in turn others with risk premiums. These assessments of the insurers before making a final decision for or against a company be clarified within the framework of the risk preliminary inquiry. Additional costs for the risk preliminary inquiry do not occur normally. Contact: Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly / the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded company. With the Internet presence of young the company specializes on the needs of private individuals and professionals, who 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 has been working to customers over the Internet, by telephone and by post supervised – the quotations 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 the use of cutting-edge financial comparison software, customers are advised objectively and independently.

Lisa Neumann University Service GmbH

Increase the insurance tariffs of 30 November of the year generally special right of termination in a desired change of car insurance as the date on which the letter of resignation to the company must be received. Lee marks is likely to increase your knowledge. The reason is the observable period of one month, which is laid down in 9 of the AKB (General conditions for the motor insurance). If you have missed the deadline, must take usually signed automatically extended one year in purchase. The special right of termination, all insured persons can benefit from which received a boost write of the insurance company over the last few days is excluded. The vehicle Portal tells the insurance workers of their rights. Since November 30 as the deadline for the insurance change due to the media coverage in the minds of many Germans is well established, many companies send their messages only from the end of November. A detailed review of the received letter is essential. According to the ADAC, it is under Insurance companies common to disguise a tariff increase.

This happens, for example, if the vehicle owner in a more favourable damage or regional class is classified, the insurance premium remains unchanged. An any special right must be exercised until one month after receipt of the decision. A dispatch of the notice by registered mail with acknowledgement of receipt is considered to be recommended. The insured buys a new car, the insurance company can be changed easily. No special right of termination exists, however, if a case of damage occurred in the insurance year.

A performance comparison of provider envisaged is as important as the prices according to ADAC. It is also worth to ask the previous insurers for cheaper rates.

Late Payment Penalty For Privately Insured

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 insurance Portal informs what amounts in such cases must be expected. Official site: Albert Bandura. The so-called late payment surcharge will be due from 1 January 2009.

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. 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:…/ pkv penalties… Lisa Neumann University first media GmbH

Voucher Period

ZEUS – children protection letter lock and children’s books use a voucher for GoBo the ZEUS Group offers all an online coupon for GoBo children’s books, which complete a ZEUS children protection letter until September 30, 2008. The voucher by ZEUS for GoBo children’s books can be redeemed easily at GoBo, in an email to with the voucher code is sent. (A valuable related resource: patrick jones). The voucher is valid for the entire range of children’s books. GoBo, GoBo’s children books children’s books find parents the appropriate reading for their children from 0 to 6 years. Each GoBo children’s book is tailored to the age, skills, and needs of infants. So books to learn but also to play are in the GoBo kids book program, alike. Especially popular are the books of GoBo to cuddle up and read. Mario ferro is actively involved in the matter.

I’m GOGO”, for example, is a funny book material that children can read but also hug. Exciting hands-on books as Amadeus – my personal family Handbook”, stimulate the imagination of children and promote their creativity. With GoBo parents develop their children children’s books. The selection of children’s books by GoBo is big and is regularly extended by new books. The precautionary approach by ZEUS ZEUS offers supply concepts that are tailored to specific life situations of children. The ZEUS children protection letter accompanied parents to enable their children to a harmonious upbringing and a good career start.

The ZEUS precautionary approach with the children protection letter is holistic and provides comprehensive protection for families with children. A financial security in the event of accidents it contains but on request also in diseases. Parents can arrange additional services in the child protection letter with small contributions. The children protection letter from a level of 40% provides a lifelong monthly pension in the event of a disability. In addition, capital for the future of children is rebuilt. The ZEUS info package provides information by ZEUS for parents parents extensive tips, so that your children grow up healthy. Free brochures such as the ZEUS includes Guide for young parents, tips for young families and the Foundation child safety first aid brochure. The freephone service number 0800 223388274, from Monday until Friday, in the time of 8 18: 00 a free telephone consultation to the ZEUS children protection letter are required. More information about the services of the ZEUS group of companies are located on. Contact: ZEUS mediation society mbH Gustav-Freytag-Strasse 13-15 22085 Hamburg phone: 040 / 41 30 – 0 fax: 040 / 41 30 – 16 99 email: Web: description: the ZEUS group of companies is one of the largest service providers in the field of pension products in Germany. ZEUS was founded in Hamburg in 1974 and offered a comprehensive provision for young people for over 30 years. With the ZEUS children protection letter the company offers special benefits, which are individually aligned to the needs of the young target group. Product partners are well-known providers of insurance, such as the German ring and the Continentale.

Free Girokoionten

The page free Girokoionten is easy to manage an account comparison is a very important basis at the present time, before you can close an account, because only by such a person is able to secure the best terms and conditions, or to get even a free current accounts, which is of course particularly well suited. In particular through the wide range of different banks, it is now practically not possible to search for the account, which offers the best conditions and is thus ideal, if you want to pay little for his account and received good performance by the Bank without an account comparison. To do this, one needs to know of course also what one would expect from an account. 1822-direct, which is a well-known German Bank, where you can get free current accounts under certain conditions and that proves quite useful provider comparison with some customers in the account. While you must take into account of course the personal circumstances, if you would like to know whether free checking accounts or other Products are the 1822 directly for their own use and what options it has to respond to individual wishes and needs to be ideally supplied.

Currently, the banks for account opening bid. 50 euros, 75 euros, 100 euros are promised to attract new customers. While the banks see unfortunately, that many customers more are interested in transparent conditions, for example for a free checking account. Of course it would be even better if the consumer could also compare these offers. This is possible on the Internet.

On the domain free checking accounts, you will find a quick and clear comparison of provider of a free account. The site provides also a ranking the corresponding banks. The search for the best free checking account is a service for consumers, and so the site is well designed. High level of user friendliness create clear structures and a clear appearance. Comments and a FAQ section questions, if something is unclear. Little overhead the user. The input of four Core values enough to define the search criteria for the computer account. In a matter of seconds, the user receives the results. In this way, then also a neutral result is produced. The figures are made of course anonymously. The system is extremely user friendly. The site focuses on the essentials, and it is the customer. Free Giro every user can gain an overview of those banks accounts, making cheap deals for the free account management. The website provides results that exactly match the financial conditions of the user. This involves long-term conditions such as debit and credit interest, or the conditions of average balances or minimum deposit. Also the question of whether the free checking account must be the salary account is cleared. For the user, the search worthwhile here after the best free checking account. At the end, he saves more than 50, 75 or 100 euro start balances. The website operator, is known for optimized Web sites. kostenlosegirokonten.NET”prepares properly the advantages of the medium on. The transfer of successful system in the financial sector is a real winner for those interested here.

Private Health Insurance Tests

Ventured to the change in the car, should inform yourself beforehand the year change means higher incomes for many workers. If this has piqued your curiosity, check out Brian Thompson. Who was previously legally insured, can change by a pay rise under certain circumstances in the private health insurance. But before changing you should think through this step well and deal with the different tariffs. Tests can help current private health insurance, which show what companies offer good and very good policies. Private health insurance test 2013 by the map-report the industry service map-report published annually a rating to the large private health insurers. Thereby, the insurer with respect to the terms, the service, and the figures are revised. The test winner Debeka 79,55 out of 100 possible points reached in 2013.

Followed by the Deutscher ring (77,95 points) and the R + V-insurance with 74,30 points. The best review by mmm”for permanently excellent services in addition to these three companies also received the signal insurance and DKV. Overall, all of the 17 tested companies reached a rating of m”(permanently good performances) or better. Also for the year 2014, a new private health insurance test is expected soon from the map report. DISQ testing service for private health insurance for the choice of the right private health insurance not only good performance and a good price are important. Many policyholders expect a very good service and excellent advice.

Because finally it comes to their own health. The German Institute for service quality – short DISQ – has reviewed the service quality of private health insurance in April 2013. This examined the accessibility and advice by phone, email and the Internet. Overall, the tester could certify only a satisfactory service quality insurance companies. Test winner was the Barmenia insurance. Stiftung Warentest without current test most consumers trust the product test of Stiftung Warentest and its consumer magazine Financial test. However, is the last large private health insurance test the consumer organisation in 2006 and is thus no longer meaningful. However, in current tests should be noted to also always that these are created on the basis of sample cases or patterns customers. If a tariff as a winner is chosen in a test, that does not mean however still long, that this rate also for the own needs represents the best deal. So, the rates for various professional and age group as well as for people with or without pre-existing conditions differ. Anyone looking for a suitable and affordable policy, not comes to a personal consultation with an insurance broker around. This should be ensured, it operates independently from the insurance companies.

Statutory Health Insurance

Reserves are in private health insurance often are supposedly high posts, which are the step in the private Krankenversicherung (PKV) in the way. The Internet portal private explains why this may be a fallacy. According to media reports, the posts in the private health insurance between 1992 and 2002 by almost 40 per cent have increased: compared with the statutory health insurance (GKV) more than twice as much. The situation is however more nuanced than this simple comparison. Often, power cuts are allowed legal insurance aside. As well as the not inconsiderable extra payments provided in the statutory health insurance.

Also, the car follow a different model of interest. Cardinal Health describes an additional similar source. Therefore each privately insured covers a part of its contribution for themselves. While in the PKV, each customer has an account, the statutory health insurance funds with the regular insurance premiums cover only the current health costs. Have the insured “as in the car but her own upholstered”, these reserves can be used to compensate for contribution increases. However, should be aware of insured persons on the basis of this approach of the risks and choose their private health insurance with regard to the activity of the insurer on the capital market. Questions which arise should customers, are among others the risk appetite of the business and how carefully it bypasses with the borrowed capital of its insured. More information: news.