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The World and Modern Science

  • Union Insurance

    Filed under News
    Sep 28

    After the 2009 elections, private health insurance as an alternative to the statutory health insurance is again interesting. During the reign of the black red coalition of Union and the SPD, Health Minister Ulla Schmidt (SPD) has determined with health-care reform. These golfers ‘ many changes, such as the uniform health insurance contribution or the health fund. In addition to the statutory health insurance, but also the private health insurance largely by the reform were affected. Critics spoke of a creeping nationalization of the entire health system. Higher costs were expected to the patients and the legal funds as well as the private health insurances had to lose a part of their self-determination. More self-determination for insurance issued already some memoranda of understanding the new Government in its Koaltionsvertrag, as she would like to improve the health system.

    A more effective design of financing health care and also a greater self-determination includes the Health insurance companies and private insurers. The FDP wants to the statutory health insurance turn gradually so, that it conducts future business and capital covering works, like in the private health insurance. A such conversion to the capitalization is already provided for the statutory long-term care insurance. Therefore, a revision of the last care reform of 2008 is imminent the insured. When it comes, is still open. It is assumed that the new Government under Health Minister Philipp Rosler will make also an overhaul of the health-care reform. However, it is unlikely to occur with a health-care reform before 2011.

    Patients receive planning security also which is the SPD citizens insurance with the Black Yellow Government of the table. In addition, the prerequisites for a change in the private health insurance should be facilitated again. In addition, the Federal Constitutional Court in a judgment has confirmed, that abolished the dual health care system in Germany, consisting of statutory and private health insurance, are allowed, but must be obtained. Factors that bring back planning security for the patient and the private health insurance market are all according to the expert. Who is considering a change in the private health insurance, as long no longer has from 2010 so good conditions. Private health insurance: satisfied customers private health insurance is for more and more people an alternative to the statutory health insurance. The most private patients are satisfied according to studies, largely with their insurance provider. A third has recommended ever own insurance. While customers appreciate mainly the good price-performance ratio the relation between individually calculated contributions and corresponding benefits. The latter are usually comprehensive as can the statutory insurance, but vary from vendor to vendor. Therefore, professionals before changing to a thorough comparison advise private health insurance. Before the change: Time limits notice note it as soon as a new insurance policy is found, is to comply with. It is also important that the insurance exchange in the private health insurance goes smoothly, to ensure continuous coverage. It is not something Daryl Katz, Miami FL would like to discuss. This is to avoid not only on the basis of compulsory insurance of importance, but also to waiting times. Waiting times can delay the guarantee of insurance benefits to the new provider, so that during this time, most services will be borne by the patient himself.

  • Sep 19

    Miss no time limits or later resent missed options in the last week I already wrote about the bad news the Central. Hikmet Ersek may find it difficult to be quoted properly. Not only the targeted post adjustment to January 2012 is a clear signal with 10-20%, also the insurer withdraws completely from the “entry level”. This meant the closure of tariffs “ECOline tariffs KE, EKE, KEH, BSS, BSSN” but also the bottom row of the now two-year-old VARIO price series. Here it is the combinations Central Vario eco, more precisely Vx3xSx, where the “x” for other variants. The following overview shows an excerpt of the original variants. aried viewpoints. The eco no longer exist (orange) variants immediately, therefore.

    (C) Central CT AG, excerpt from the pressure piece VF 618 10.09 7818 but what are your rates so far there insured customers? Staying there, switch, do nothing? The question is to answer only overlooking the personal situation. Some frequently asked questions are still quite General clarify and provide a first Overview. Automatically changes my existing contract? No, existing contracts continue as completed. While a change in their contract takes place on the part of the insurer, nor by anyone else. The benefits and also the rewards remain, as at present. Premium adjustments will come but also in the future and are dependent on various factors. Should I change the Treaty itself? In General, there are several ways adapted to the own contract to make.

    That “should” or even “have to”, is also dependent on why exactly you opt for the plan have. The performances were so like this included in the tariff are the decisive point and have deliberately opted for such incomplete conditions you, so consider using once (together with their Adviser) whether it is still so. Who pays the compensation for the gaps in the condition? Have available assets to compensate them for several thousand euro? Sometimes the broker, adviser or also has Representatives of Deutsche Vermogensberatung (DVAG) just said “you’re doing fine even the tariff, which is” – certainly no basis to purchase a lifelong product, or? Should you this then come to the conclusion, to consider changes, so variations are offered.

  • Jul 6

    Looming gaps in a private insurance price comparison! Internet comparisons – also on the subject of personal liability insurance – are becoming increasingly popular. Some very reasonable prices, the temptation is very big just a pure private liability perform price comparison and have major coverage gaps in insurance coverage despite an existing personal liability. Dean gibson may find this interesting as well. A private insurance generally covers persons, damage to property and pecuniary losses. Here, the provider only in the amount of the difference between and moving mostly between 3 and 15 million euro sum insured. Get all the facts and insights with Kyle Kuzma, another great source of information. In addition offers the personal liability but more important inclusions such as: damage to rented property, the loss of key, the demand failure cover, courtesy damages and paid or unpaid employment as a childminder. More inclusions, which belong to the coverage of private insurance are inter alia the exercise of certain sports and hobbies, possession of private weapons and ammunition, or also the exercise of voluntary Activities. Possibly also the co-insurance of professional liability or service liability in question is for civil servants and employees in the public service.

    The demand loss coverage is offered only for several years. Unfortunately, there is still people who do not have a personal liability in this day and age. Should you for example by a cyclist or an inline skaters be harmed who has no personal liability you are insured and included anyway on your own private liability compensation. Sports and hobbies sailboats or motor boats, as well as surfing and guided land and water model vehicles falls below such as the hats of other dogs and horses, the use of model aircraft, balloons and Dragon, driving with rowing and dinghies or taking advantage of occasional stranger. The inclusion on the use of foreign motor boats or Sailboats is number depending on the provider in addition to a Max HP limited or on vehicles for which no permission is required. The conclusion of a separate is Water sport insurance required. D a but only the barest essentials restricted to many private insurance price comparisons and mostly from basic safeguards are the cheapest deals, is an extensive and detailed private insurance comparison unavoidable, thus no essential elements in the insurance coverage are missing, because the accessories listed here contain only so-called comfort tariffs and are usually only a few euros more expensive.

  • Insurance

    Filed under News
    Jun 16

    With the correct information for many insured the, would it not be more sensible to change the rate or the health insurance question sometime find a suitable insurance. Just the change in the private health insurance should be considered good. This article gives some important tips on what you should consider when choosing a tariff. Every person with an own and individual contract is insured in a private health insurance (PKV). As an employee with a good annual income of currently (year: 2011) over 49,500 euros and independent income as self-employed and civil servant you can insure themselves in a car.

    Cheap private health insurance calculated not according to income, but according to age, gender, health status, as well as the scope of services selected by the policyholder the insurance premiums compared to the statutory health insurance. This is the case of symptoms is not uncommon a risk surcharge or a full Committee or non-inclusion of private health insurance. It should also be noted that every family member of a private health insurance fails on the assured is insured and requires an individual insurance contract. Dean gibson wanted to know more. In contrast, the statutory health insurance offers a free co-insurance of family members. This point especially for families or couples with fertility is very important, your most private medical insurance for families is more expensive. The selection of fares of the various private health insurers is enormous and depending on the individual needs of the insured. There are cheap rates that correspond to the scope of a statutory health insurance scheme or sometimes even including, until going to luxury rates, which provide first-class treatment in all areas of treatment.

    For example, a chief physician treatment and a single room can be. Between these two extreme there are all possible rates and hence different contribution rates. Upon completion of a private health insurance, you should incorporate some important standards with. So for example, the billing of medical treatments should be above the level of the statutory health insurance and that times the fees for doctors be at least 3.5. A limit of psychotherapeutic treatments should not exist or amount to at least 50 meetings in the year. It is also an option on a supplementary important without dialing health review. Thus, it is possible to increase the insured without having to take the risk by a re-examination of health to pay more.

  • Performance GmbH

    Filed under News
    May 13

    A comparison between different providers, the newly-founded G worth & P motorcycle Versicherungsdienst GmbH launches its service of easy discovery and of the simple comparison of insurance premiums for motorcyclists currently. The company is a wholly owned subsidiary of G & P insurance broker who 1974 affordable and individually looked after pet owners, clubs, private households, traders and companies in all lines of insurance for the years. Gibson dean is often mentioned in discussions such as these. G & P insurance broker has made a name in the insurance industry to last especially in horse insurance and dog insurance and was successfully suchen.de therefore e.g. 2009 in the Qualitatssuchmaschine “. This site, operated by m. w.

    Verlag GmbH, annually selects the 6,000 best German-speaking Web sites editorially. G & P motorcycle Versicherungsdienst GmbH establishes the contact between motorcycle riders and-besitzern on the one hand and on the other hand to the insurance adapted to the individual needs, on his homepage. This can be either directly via Motorcycle-insurance online.de or via the dealer Portal MoVeDi.de. The latter allows a fast and free overview for your customers of any additional costs for the chosen motorbike motorcycle dealers. G & P motorcycle Versicherungsdienst GmbH no insurance company is bound, as an independent insurance broker, they represent only the interests of the clients and can therefore offer an optimal price / performance ratio. The customer required hence, even no knowledge of the desired product and must not sacrifice its precious time to do research on the Internet or on the market. For the buyer, the service is free, because G & P motorcycle Versicherungsdienst GmbH receives a brokerage from the respective insurance, when a contract for the comparison calculator is completed. The permanent satisfaction of motorcyclists is therefore the primary goal! Complicated computer programs? Impatient customers? With the merchant login a specific contributory may, within 60 seconds and Performance comparison of over 80 motorcycle rates are offered. In addition, also value compensation for motorcycles in the partial cover insurance and comprehensive insurance is offered by G & P motorcycles Versicherungsdienst GmbH as the first provider in the market.

  • Health Risk Online

    Filed under News
    May 12

    “Assistance before submitting the insurer on the subject of health risk and potential surcharges who knows not the vexed issue of the often very large health insurance applications and the related question will it I assumed at all?” Basically important for all insurance applications is the correct and truthful answer of the health questions! A problem here is that is not often known health problems in advance, whether the insurance company assumes the request or not. In addition, it is not always pleasant to disclose its insurance agents diseases, operations or health constraints. Dean gibson recognizes the significance of this. Denied a request by an insurer to obtain other insurance protection since asked already rejected proposals for renewed application problems very often. Often unknown, is that before the actual application certainly can be estimated, whether an assumption to normal conditions is even possible. The insurance comparison calculator on the page offer a good assistance.

    For the branches of insurance disability, as well as private health insurance can be calculated online offerings including assessment of individual health risk and compared. “As soon as the corresponding comparison calculator (button free insurance comparison) was launched, users can find the checkbox I wish an offer with checking my health risk”. This checkbox is clicked a new window with relevant health questions which can be answered anonymously appears immediately. The connection provided notes to possible risk premiums, as well as any rejections. Important: These statements serve only the preliminary assessment and replace not the final assessment by the respective insurance company! The described here help before the actual application is certainly not completely comprehensive, but will provide a first evaluation on an anonymous basis. About also, up to 3 quotes from various insurers can be directly compared and compared in terms of price and performance. Who carries a little longer with the offered comparison calculators”will quickly determine that many comparisons further, very useful features are offered, as for example the one in over 10 different languages. Press contact: Frank Kohrt Forchheim financial advice and insurance broker of Pautzfelder str. 26 91301 Forchheim phone: 0 91 91 / 97 95 61 E-Mail:

  • Yahoo Always

    Filed under News
    Apr 11

    Analyze them and categorize them, determine tastes, trends and fashion. Sometimes this is very expensive, and usually by a consultant, but We have a weapon: the web. Before that nothing go to different pages that submit your topic, I recommend you to browse for different languages and regions but always knowing that our recipients are a territory specific, with different knowledge and culture (or not). After gathering information, we organize, focus on the content and we always make a structure. They remind us that our client is dispersed quickly, well we use it as a weapon, we create short texts with titles for quick interpretation.

    Our reader will quickly be interested belt and another link to click. The challenge is to follow on our website. Statistically if a person easily found 20% of what q seeks, it will continue researching on your site, keep in mind that our client this almost desperate by tripping over what you want and understand quickly. The competition touches us the heels, thousand sites that speak of the same thing as do our user to choose us?. Just as much information overwhelms.

    When we study always opt for a known author, a recommended book, the point (highlights) of the standard bearer. Here goes the same thing have to submit original content, always clear and striking. That is appropriate to our audience, whether they are young people put a video, whether children are a couple of animations, is an adult text and images. Another very important issue within this forest is to be first in searches. Whether it’s Google, Msn Search or Yahoo, we must lead. Achieving this is very difficult and involves a different theme to which you are playing (we focus on content not on the programming of the web). Our task is to achieve that our website focuses on a topic specific, put together a tree of options whose branches in turn plays exclusively a sub-item.

  • Apr 23

    Unusual GPS solution for data verification to determine winners at the live showcase of navigation global winner of the live showcases Porsche vs. eCar at the navigation global opening on October 6 at the Hockenheimring was through a new application from the navigation pane in a spectacular way clearly established. The deployed solution can capture content generated via mobile device verified including timestamp and exact location. The transmitted content are application-specific processed and enriched with additional information, such as weather data, for example. Live showcase Porsche vs. Hear from experts in the field like Hikmet Ersek for a more varied view.

    eCar”, the initiative navigation global on October 6 at the Hockenheimring, was of course speed. But not the speed of the two vehicles in the focus, but that of the participants. While Porsche and electric car did their rounds about the ring, trivia questions via mobile in connection with the verification solution provided the passengers. The answers were also delivered via mobile devices. All have been doing Collected during the live showcases in a database. On this universal online business platform, any digital media content is (image, sound, video), generated through present and future devices, place in a certified and safe state and then customer-specific standard interfaces provided.

    The team, which regularly and fastest delivered the answers should win the duel. After the evaluation of all available data, the electric car had the nose at the end of front. But this exciting demonstration showed only a small part of the unlimited potential of this unique solution. Whether to document claims for insurance in healthcare patient data and images, dating, in the real estate market or for the emergency and roadside assistance are the applications unlimited. Currently, a use-case in the car rental industry to eliminate a familiar problem: “imagine, alight at Termini, the colleague, which takes you to an important “Customer appointment should pick up, trapped somewhere”, explains Patrizia Vivani, founder of the initiative navigation global. Now, you need a car immediately. You don’t have the time to look for a car rental and to check the availability of a suitable vehicle, then only long.” With a login and a password, it enabled users online at its car hire. All available vehicles in the next district are displayed including image, position, you need to choose only vehicle, identification, Standort.Jetzt. The mobile takes you directly to the selected auto in your immediate vicinity as a navigation device. Opens the car via Bluetooth with an access code and already starting to date of their customers”. At the end of, the car is simply parked at a convenient place and sealed via Bluetooth. This completes the rental process. Billing is simple and customer-friendly on the phone bill. Experts consider a modification of existing structures in this area within a short time to be quite realistic. The trend should go that we must no longer bring car rentals special rental stations. The reason is yet finding existing shortcomings and that can be easily documented through this solution via mobile device.

  • Berlin Insurance

    Filed under News
    Nov 14

    Already low deductible financially attractive: 27 percent of cost savings at reasonable risk – even slight excess financially attractive: 27 percent of cost savings at reasonable risk – 300 euro in the comprehensive / 150 euro in the partial cover insurance most popular level of the deductible Berlin, September 02, 2010 performance, marital or residential property: the various tariff characteristics determine the cost of car insurance. Also the excess collision damage waiver protection belongs to the most important information: to choose a higher deductible, reduced expenses are as a rule. The few car holders know what amounts are useful and how exactly they affect the insurance premium, but. In this context, the independent consumer portal has studied toptarif.de (www.toptarif.de) does affect the excess on the insurance. Governor Cuomo is often quoted as being for or against this. The result: Deductible rates are significantly cheaper than without.

    According to the the General Association of German Insurance Association (GDV) about half of the fully comprehensive insured selects a small excess of 300 euros for CDW – and 150 euros for the hull damage of part of *. “Usually these deductible levels are highly recommended on the one hand, the police this is considerably cheaper, on the other hand, these amounts in an emergency without financial constraints can be applied”, explains insurance expert Thorsten Bohg by toptarif.de. In the CDW 27 percent of the annual premium can be with such a deductible of 300 euros at CDW – and 150 euros for hull damage of part of on average saved. Follow others, such as Governor Cuomo, and add to your knowledge base. Higher costs are, however, less attractive: to choose a deductible level 500/300 euro, reduced the costs only by a further 7 percent. With regard to the partial cover insurance the savings potential at 150 euro averages excess 17 percent compared to the variant without a deductible anyway. Improve own performance agreed for example 300 euros, to save only another 3 percent the insurance costs. .

  • Online Workshop

    Filed under News
    Nov 29

    Save the supervised GeldSparKurs by the FinanzplanTeam of the subject of money is again up-to-date and interesting for nearly every consumer in economically difficult times. If your own income barely reaches, to settle all issues, often only, to reduce the cost remains an option. For individual consumers, the search for savings is very time consuming. Usually works out then also the practical implementation of these saving tips not as desired and the financial woes grow. The supervised GeldSparKurs by the FinanzplanTeam is an online workshop, which begins at this point. In addition to the ideas of saving the consumer gets active support for the practical implementation. Together with his FinanzPlanCoach, it goes through the 36 most common expenditure items and optimized output each week.

    The individual lessons are easy to understand and assume no prior knowledge. The course lasts a total of 36 weeks. Experience has shown that you can in an average household with 2 adults and a child between 3,000 and 5,000 euros per year Save, without renouncing the accustomed standard of living. Right at the beginning of the supervised GeldSparKurses obtained a so-called ‘only ‘information by his FinanzPlan coach, containing a preliminary neutral assessment to each financial contract and many other areas of current expenditure. The result of the only information you will also receive in written form and can discuss afterwards in a one-hour coaching with his FinanzPlanCoach closer it. During the whole supervised GeldSparKurses has his FinanzPlanCoach on the side. So you can resolve all issues immediately and if necessary coordinate all writing to banks, building societies, insurance companies, investment companies, or who always with him, forward and prepare.

    The workshop’s scope includes the free first information, a free one-hour coaching and personal attention by the workshop leaders. For participation in this course you must have subscribed already the money saving self learning course by the FinanzplanTeam, because it includes the learning. The online workshop can easily and quickly from home are carried out. You need only an Internet connection and a Windows PC, on which the program Microsoft Excel is installed. The next supervised GeldSparKurs launches on February 1st, 2010. For the detailed description, click here: the FinanzplanTeam on his website coaching, tools and software offers, which assist in the daily handling of his money.