Archive for August, 2009

Complementary private sickness insurance to supplement the national medical insurance


Germany has a national sickness assurance system (GKV). A full private sickness assurance (PKV) is only available for people who are not obliged to be members of the national sickness assurance. But everybody has the chance to effect additional private sickness assurance besides the national sickness assurance. On the market there are numerous insurance companies providing these additional private sickness insurances. Here you can find a gratis comparison of insurance companies and get your personal additional private sickness assurance offer: Private Zusatzversicherung.

A additional private sickness assurance has numerous benefits:

A lot of companies offer the option of making adjustments to the tariff of the active contract. That is quite helpful when your individual situation changes over time. Private patients see the physicians bills and know how much is billed. So you can see how expensive the different items are. As a private insured, you can control the medical bills. You should always ask for several offers before choosing your additional private sickness assurance vendor. That can be done on web pages like this: PKV Angebote.

Patients with a additional private sickness assurance can be treated like private patients. This means that the insurance companies pay items like glasses and contact lenses. In addition, a patient with a additional private sickness assurance might get a single room in hospital as well as daily compensation payments for the period of illness.

The monthly expenses of the private sickness assurance are only dependent on the individual contract and are not calculated in accordance to your earnings. Everybody, who is dissatisfied with the poor performance of the national sickness assurance, should think about contracting additional private sickness assurance. So they can obtain the good feeling to have better treatment and performance in case of an illness. Every German, who is obliged to be a member of the national sickness assurance (GKV), can effect additional private sickness assurance. This applies especially to workers and employees whose salaries are below the GKV assurance limit. The assurance limit is a earning of 4,050 Euros per month in 2009. The additional private sickness assurance gives additional benefits to members of the national sickness assurance in Germany. Private sickness insurance companies pay items, which are not paid by the national sickness assurance. The details are dependent on your individual contract.

 

Obtain the right insurance quote on the Internet


The assurance market is opaque to most customers. There are many assurers. As a prospect you can hardly get the overview. Nevertheless one wants to get the right solution. Nowadays it is a good choice to use a price comparison web page as Guenstige Autoversicherung, when you are in need of a particular assurance. There you can obtain your individual assurance offer from a great number of assurers.

Some important German insurances – for example Feuerversicherung Tarifvergleich – which are mentioned in this context are:

The German Riester-Insurance: The so called Riester-Insurance is a government-funded private pension you can seize to close your personal pension gap. It is both safe and attractive: During the active working life, you pay contributions into a private annuity contract, a bank or savings fund, additionally you get growing state allowances and tax allowances as a bonus. Later you will receive monthly benefits a lifetime – in the form of a retirement pension or a payment plan. Each employed professional, who is not willing to rely on the statutory pension exclusively, should think about a Riester-Insurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public allowance for Riester-Insurance contracts.
The private sickness assurance: Private sickness assurance can be taken by freelancers – regardless of their revenues. As an employee you may switch to the private sickness assurance, if your annual gross salary lies 3 years in a row over the assurance limit of 48,600 Euros (equivalent to 4,050 Euros a month, status of 2009). Also officials, judges and members of parliament are usually privately insured. The German private sickness assurance usually offers better performance than the statutory health assurance. Many assurers give the option of making customization to the tariff of the active agreement.
The dog liability assurance: Without a dog liability assurance every dog owner carries a very high risk of liability when his four-legged friend once causes a damage. When the dog runs over the street and causes a traffic accident, one can be held responsible for all damages of persons and vehicles. On the German assurance market there are many dog assurers. As a dog owner it is quite hard to find the right supplier and contract for your specific requirements. The research for the right assurance can be done online. There are advisable websites which offer free comparisons of German dog liability insurances.
The auto liability assurance: If you get an automobile for yourself, you have to insure it. The auto liability assurance is required by law – without proof of liability assurance already the admission of the car is impossible. The auto liability assurance covers whenever you culpably cause a damage to another road user. Fully comprehensive cover or part assurance cover can voluntarily be taken out. Comprehensive insurances pay for damages of your own automobile.
The occupational disablement assurance: Consumer advisers have repeatedly pointed out that the occupational disablement assurance adjacent to the indemnity assurance is the most important assurance at all. The loss of manpower is an existential risk. Because of being no longer able to work means to earn nothing. Physical hardship often is the result. The state barely helps in such a case – the statutory pension assurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of occupational disablement cases is disease. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must quit their jobs for illness reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the health assurance and for unemployment benefits are exhausted, you are confronted with a large income gap when not having an occupational disablement assurance.
The house assurance: For most owners the own house is the most important investment in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a house assurance is essential for every owner of a house. The household effects are not insured. This should be done by a separate household contents assurance. The elements of fire assurance and mains water assurance should always be included. Natural hazards might be a great risk for your house. So everybody should look for a house assurance which is covering these special risks. Assurance protection against storm damage should definitely be considered because of the rise of heavy storms during the past years in Germany.

The above mentioned insurances and several more can be found at comparison websites on the Internet, such as: Kfz Versicherung Preisvergleich. This comparison web page is independent from a single assurance supplier and gives a nice overview of the market.

 

Insurance companies offering low priced Riester-Insurance plans


There are many insurance providers offering so called Riester-Pension contracts on the German market. Usually it is not easy for the customer to find the right insurer that fits best with the own requirements. How can you find a good insurer for Riester-Pension covering your requirements at an affordable rate? The following site offers a free Riester-Pension comparison: Riester Rente Vergleich. There you can obtain your individual Riester-Pension quote from a great number of insurance providers.

For whom is a Riester-Pension beneficial? Each employed professional, who is not willing to rely on the governmental pension exclusively, should take into consideration a Riester-Pension plan. If you are looking for a Riester insurer in Germany, you should take into consideration some important aspects:

The financial burden on your Riester-Pension plan consists of your own contribution and the public support, whereas the latter depends on marital status and number of kids. In addition to the public aid you can also benefit from the possibility of tax deduction concerning your private contributions to the plan. The legislature has created additional incentives for private pensions by the Riester reform and the related public support. Those public supports make it more easy for individuals with average income and for families with kids to build an additional pension. Therefore those incentives for additional savings have been created. Before choosing your German Riester-Pension company, you should always ask for several quotations. That can be done online: Riesterrenten Vergleich. The additional retirement security in the form of the German Riester-Pension plan is very beneficial for all employees. Also officials, judges and soldiers belong to the circle of beneficiaries of public support for Riester-Pension contracts.

The Riester pension is a very good completion to the governmental pension schemes on a voluntary basis and therefore an important component of your individual pensions. If your financial status should get worse over time, one important thing is that the private equity in your savings account is not subject to attachment. Since 2006 there apply the same contributions and the same benefits for men and women to new Riester-Pension contracts. The public support for Riester-Pension contracts is allowed only upon request. The insurer can provide for the application of the support. For all kids born from 2008, the public support for Riester-Pension contracts has increased significantly. The support for kids can be taken in addition to the basic support. This creates an additional incentive for parents to enhance their own pensions by a Riester-Pension plan.

 

Searching the right dog liability insurance offerer


On the German insurance marketplace there are different pet assurance offerers. As a dog owner it is difficult to find the right assurer and plan for your specific requirements. How are you able to find the right dog owner insurance at a cheap price? The following web page offers a free comparison of German dog owner insurances: Billige Hundehaftpflichtversicherung. There the client can obtain an individual dog owner insurance comparison in a few moments. You will find the best dog owner insurance quotation out of a great number of assurance offerers.

Who should contract dog owner insurance? Every responsible dog owner should have a liability insurance against the current damage. Because every pet once might induce damage. Here are different important aspects which should be considered when looking for the right German dog owner assurer online:

Without a dog owner insurance every dog owner carries a big risk of liability when their animal friend once provokes damage. When the pet runs across the road and provokes a traffic crash, you can be held responsible for all injury of humans and damage of cars. It is not necessary to visit all the dog owner assurance offerers personally when looking for a good solution. You can get an online comparison and even effect dog owner insurance on this site: Preiswerte Hundehaftpflicht Versicherung.

The favorable annual premium payment for a dog owner insurance protects you from a huge financial risk. By arranging a deductible you can obtain mentionable savings concerning the premium payment. A dog owner insurance gives you the pleasant feeling of not being alone in case of accident and takes over a big cost risk for you. With a liability insurance for your pet you can also get help if unauthorized charges are put on you as the owner. Without having a dog owner insurance, you must deal by yourself with the charges of the injured victim or you need to commission a lawyer to do so for you.

If your pet provokes an accident or other damage, the injured victim might charge you personally if you do not have a dog owner insurance. Then you will have to cover with your complete private assets for possible damage. Your dog owner insurance also takes over the legal expenses of the injured victim, which you had to pay by yourself without such coverance. When having such insurance, the clerk of your insurance works for you on the claims made by the injured victim. So you have a professional by your side to decide which claims are right and which are not.

 

Private compensation insurances – Find the right insurance vendor


Personal harm assurances are offered by various insurance vendors in Germany. When searching ways to protect oneself against the monetary exposure, it is hard to find the best assurance vendor and agreement for your specific needs. The following web page enables you to find the best harm assurance at a good price. They provide a free comparison of German harm insurance vendors: www.unfallversicherer.com. There you can start your personal harm assurance comparison on the Internet. One will retrieve a personal harm assurance offer from a great number of insurance vendors.

Why is it helpful to effect personal harm assurance? That special assurance is interesting for everybody who wants to optimize their individual exposure management. Here are some important aspects which should be thought of when being in need of the best German harm assurance vendor:

Entrepreneurs are usually not protected by the German national harm assurance. Voluntary membership can be negotiated, but this is not mandatory. A personal harm assurance is helpful to shelter yourself against the monetary exposure of accidental harm. Accidents can not only cause monetary challenges for the victim but also for their families. Particularly the incapability to work and earn income should be thought of. It is not necessary to visit all the German personal harm insurance vendors in person when being in need of a good solution. You can retrieve an online research and even effect your personal harm assurance on this Internet site: Unfallversicherung guenstig.

Entrepreneurs can negotiate a daily compensation payment so that the loss of earning is compensated during the time of recovery. The harm insurance vendors normally pay in case of permanent inability to work. But it is also possible to include costs of recovery and hospital daily compensation payment in the assurance plan.

Employees are normally protected by the German national harm assurance during working hours. But nowadays everybody spends quite some time outside their job and should look for additional assurance safeguard. The harm assurance normally also pays for injuries which result from physical strain without external cause (e.g. when carrying heavy objects). Such injuries are for example rupture of a muscle or broken bones. It is important to have harm assurance safeguard because these injuries can lead to permanent dysfunction of a body part. Accidental exposure is present in everyday life when staying at home, doing exercises, going for a vacation trip or spending some other leisure time. Particularly leisure time exposure is not covered by the national harm assurance in Germany. So it is very helpful to buy additional private safeguard.

 

Assurers selling so-called Ruerup pension claims to prospective retirees


There are many assurance providers offering so called Ruerup-Assurance contracts on the German market. Usually it is quite difficult for the private customer to find a trustworthy insurer that fits best with the own needs. How can you find the right insurance for Ruerup-Assurance contracts covering your needs at the best rate? The following site offers a gratis Ruerup-Assurance comparison: Ruerup-Rente Vergleich. There you can obtain the appropriate Ruerup-Assurance quote out of the multitude of assurance providers.

For whom is a Ruerup-Assurance agreement recommended? For business owners and for well-paid employees the Ruerup-Assurance agreement is a good chance to provide retirement pension and to save taxes at the same time. If you are looking for a Ruerup-Pension insurer in Germany, you should take into consideration some important points:

Self-employed persons do not have the possibility to provide retirement pension by the so called Riester -Insurance. So they could not benefit from public allowance. For this group of people there is now the possibility of taking tax benefits by taking out a Ruerup-Assurance agreement. Since 2005 there is the possibility to supplement the own retirement pension by the conclusion of a Ruerup-Assurance agreement. Such a Ruerup-Assurance agreement is very beneficial for those people who cannot arrange a so-called Riester -Insurance agreement for employees. With the Ruerup-Assurance, the legislature gave business owners the possibility to benefit from public allowance under their own private pension.

Before choosing your German Ruerup-Pension insurer, you should always compare several quotes. That can be done on the Internet: Rueruprente vergleichen. In the phase of paying contributions to the contract the paid-up capital is protected against distraint. This means creditors of the insured individual cannot attach the Ruerup-Pension contract. The accumulated capital must remain for the insured individual and the insurance must not be resolved before retirement.

As from 2005 contributions to newly concluded traditional private pensions and life insurances are no more tax deductible in Germany, the Ruerup-Assurance agreement is a suitable alternative. The governmental-sponsored Ruerup-Assurance is for entrepreneurs as interesting as for well-paid employees. For those groups of people it is the only possibility to get special tax deductions in old-age provisions since the possibility of special deductions for other private pension and life insurance contracts has been deleted by the legislature. The capital that is accumulated by a Ruerup-Assurance agreement is not affected by unemployment in the context of social welfare. This capital does not need to be consumed before getting social welfare.

 

Many private casualty insurance providers can be detected online


If you want a good personal casualty insurance then the customer could use a price research machine to find the best solution. There you could detect the appropriate personal casualty insurance offer out of the multitude of insurance companies. The insurance market is opaque to most clients. There are several insurance companies. As a private person the customer hardly can get the overview. Nevertheless one wants to find the suitable solution. This web page gives a gratis research of German personal casualty insurance companies: Private Haftpflichtversicherungen. There the customer could retrieve an individual personal casualty insurance comparison quickly and easily.

Anyone should consider some important aspects when looking for the best personal casualty insurance on the German marketplace:

Your personal casualty insurance checks by trained staff, whether the claims against you are justified, and then regulates them. With a personal casualty insurance you and your family have protection from the typical liability peril of everyday life in the private sector. Your personal casualty insurance will help you even if unjustified claims are asserted against you. The clerk of the assurance company works on your individual case and decides upon the relevant factual and legal situation whether claims are justified or not. If demands are asserted against you, which you legally are not liable for, then your insurance will help you in the defense of such demands and will give you legal protection. It is not necessary to visit all the German personal casualty insurance companies by oneself when looking for the best solution. You can get an online comparison and even contract your personal casualty insurance here: Private Haftpflichtversicherung.

Your personal casualty insurance manages the handling of the case and the claims of third parties. If your assurance company comes to the conclusion that you are not liable for something, they help you even if anyone brings an action against you therefore. Without having a personal casualty insurance, you must deal by yourself with the demands of the victim or you need to commission an attorney to do so for you. Although the personal casualty insurance was a voluntary insurance in Germany, everybody should cover their own peril to be charged by a third party in the event of harm.

Without personal casualty insurance you are liable for legitimate claims of third parties with your total private assets. If you do not have a personal casualty insurance, it is the victim that confronts you personally with their demands. You then have to decide whether to pay or to dispute by yourself or to mandate a counselor-at-law. A personal casualty insurance would have done all that for you. Then you do not stand alone in the event of harm but have professional support by your side. E.g. in leisure activities or sports anybody might accidentally cause an injury that might have a large financial volume. When the customer e.g. on the ski slopes get involved into an accident, which leads to permanent health harm, the other party may assert enormous demands.

 

Look for private health assurance quotes on the Internet


Are you in need of a good private health insurance supplier in Germany? Use the free assurance comparison, and find the appropriate private health assurance quotation from the great number of insurance offerers. On the market there are various private health insurance offerers. On the following Internet site you can find a free comparison of insurance offerers and find the appropriate health assurance quotation: Guenstige PKV.

A private health assurance has special benefits:

Every German, who is not obliged to be a member of the governmental health assurance (GKV), can join the private health assurance. This applies to civil servants and entrepreneurs. In addition to employees, whose salaries are above the GKV assurance limit. The assurance limit is a earning of 48,600 Euros per year in 2009.

Some insurance offerers offer the option of making adjustments to the tariff of the active contract. That is quite useful when your personal needs change over time. Before choosing your German private health insurance supplier, you should always compare several quotations. That can be done via online form: Privatekrankenkassen.org.

Private patients see the doctors invoices and know how much is billed. So you can see how much the different items are. As a private insured, you can control the doctors invoices. The monthly expenses of the private health assurance are only dependent on the individual assurance contract and are not calculated in accordance to your income. Private patients may get expensive medication and new therapy which is not available to members of the governmental health assurance. You can save money, if you agree to pay a fixed amount of the yearly expenses by yourself. This is interesting for healthy people who do not need regular medical help.

The German private health assurance usually offers better performance than the governmental health assurance. Private health insurance offerers may also pay items, which are not paid by the governmental health assurance. This is dependent on your individual assurance contract.