Know the insurance, which hides surprises most of us the General characteristics of the personal liability insurance and know what you need such insurance. But who pays attention to the fine print, will soon discover, that some things are not insured, though you may believe it. For example did you know that your private liability insurance provides you on the hats of strange dogs or riding of foreign horses? that accidents are covered in or with your canoe or rowboat in the context of the personal liability insurance? that your overseas item retention are insured up to a year by this insurance (contact your insurance institution for longer stays) On the other hand you didn’t know probably in the private liability insurance, that purely contractual obligations (for example, the claims on repayment of loans) can not be assured. that you are not entitled to refund of your money penalties or fines. that damage, you through persons with equivalent insurance have undergone, are also not available. On the other hand you may quite a few supplementary cover agree with your insurer, but only with more premium. For example, these include: rental damage to rented objects (not just unimportant, if you go on holiday.
This cover is valid abroad, by the way). Damage caused by persons living in the same home community, cover the risk of loss of keys not be some features also insured, can this be but by the conclusion of separate policies. This applies, for example, for: all occupational risks damage, through the own animals the owner caused (dogs, horses or animals, which are held within the framework of an agricultural activity) of apartment buildings (through the home and property owners liability). Knew also that you stick with your total assets in the event of a claim and that may even on your future Assets claimed. that party that caused the damage with his entire assets shall be liable, if the agreed insured sum is not sufficient (it recommends a coverage for injury and property damage in the amount of flat-rate minimum for special cost game-damage such as personal injury 5 million euro). Finally one more thing: the insurer does not make it easy for the insured: A personal liability insurance is like no other. Comparisons are so extremely difficult. Therefore it is advisable to read the policies carefully (or to entrust a professional right the whole thing) and ensure that any shortfalls and additional coverage. C. Mikosch
Current conditions of the private CA in 2011 if you are self-employed or freelance work, must ensure independent private also in 2011 from your earnings. Similarly, civil servant, judge or members have this possibility. For workers an income limit must be observed which can change from year to year. 49500 euro insurance limit applies to 2011 gross, which represents a monthly gross income of 4125 euros. This limit is also known as year working pay limit.
Who is not reached this amount as an employee, remains resident in the statutory health insurance. Which is the best private health insurance? You can’t so just tell which is the best private health insurance. This is always the desired services, the service and especially the concrete life situation of the insured up to. Definitely applies here as well: the cheapest private health insurance is not necessarily the best! Therefore, it is advisable to use the possibilities of the Internet and on a reputable insurance portal free of charge carry insurance in comparison to the private insurance such as there (or in the above paragraph) you should inform himself first once, whether they meet the criteria for the PKV this year at all, and what protection you actually want. In the most prospects are not clear.
Sure want each chief physician treatment, single or twin room and no long wait at the doctor’s Office. But save you want also. Here, every man for himself must weigh both sides of the coin and make his personal decision. The basic protection is sufficient to choose the standard or even the comprehensive protection of comfort. If it is clear, can be two or three companies can select and from which to create a non-binding offer or alternatively offer a telephone consultation or an on-site appointment by comparing the individual provider. Finally, it comes to your health insurance.
The contribution of development: it is everyone knows, that rise in health care costs from year to year. Therefore an increase in contribution can be ruled out entirely in private health insurance. For this reason passing to 10% of all posts of Privatversicherten a special retirement contribution system, so that in the future the Fund contributions will remain relatively stable or rise only in moderation. Is it possible to return to the statutory health insurance? Because the legislature wants to avoid that benefit at a young age the low contribution of the private KV and avoid increasing contributions through a return to the legal age, a special regulation was taken here as a threshold: A recovery in the statutory health insurance is only possible if your merit not only temporarily falls below the limit of the compulsory insurance. So, it is then valid on the basis of merit certificates to prove that they were throughout the year under the 49500 euro (current border 2011). An exception is unemployment. Those who register unemployed, is in the rule again legally covered by health insurance. Conclusion: For whom is a private insurance make sense?
Because the statutory health insurance as a percentage of the wage or salary calculated their contributions, earners have there correspondingly high contributions to pay. Therefore, a change to the private health insurance pays off for these people. Because the insurance contribution for the private KV strongly depends on the age, especially young people benefit from the advantages of the post. Well deserving singles and childless couples are better off usually at the car.
Can you say clearly what is the best car? What is the best car? Who has, by its statutory health insurance in a private insurance to switch, is of course of all until this all important question. You expected on the one hand, better services, but also the supposedly high savings potential of an Exchange would like to exploit. So where only? First of all to say it: Unfortunately you can not identify or determine which insurance company offers the best private health insurance. The reason: What to expect for the services he or she and any requested is always on the person to be insured. Many writers such as International Energy Agency offer more in-depth analysis. In addition, the concrete life situation is crucial. Once, we assume that the conditions for a private insurance exist at all. Then you can give the following advice a potentially interested parties in any case on the way: the cheapest private KV is not necessarily the best. What should you do to find the best suitable for insurance? Take out This decision quiet some time and you will clear itself once, what you expect from the health insurance fund and what services you are willing to wear. Ken Cella often addresses the matter in his writings.
Play through once some cases which you do not hope that they enter. If you want has to fight in the hospital, but you might see pain with the uncertainty regarding the treatment success, would you be angry around at least not around poor service or stress with the roommate. It is advisable to use the possibilities of the Internet in advance and to pick up without any information of pressure of time. Reputable insurance portals there are often free, no-obligation insurance comparisons to the health insurance and other insurance types, so for example also on and in the online insurance calculators you can play-through, what it cost the service packages in the individual company once.
Second increase in three months: new BAfoG rulesets costs students posts Rostock, 01 April 2011. Students must plan more cost for their health before so-called from the 1st of April for the second time this year. The development follows the general trend of higher posts in the statutory health insurance. The contribution increase is for the increase of the General contribution rate and the increase in BAfoG rule rates according to the consumer portal 1A health insurance. Already for the upcoming summer semester contributions for health insurance for students will rise again and this time even more. The reason lies in the increase of in BAfoG rates which at the same time entail the raising of the base for health insurance for students.
Although pays the increase of rate of BAfoG not on each student in equal measure, the contribution base increases uniformly to April 1, 2011 by 512 to 597 euros. This increases the lump-sum contribution of the students of 55.55 on 64,77 euro. Read more here: Construction Lubricants Market. It linked increases also the contribution to the long-term care insurance. He rises to 11.64 euros or 13.13 euros for childless students on 23. The increase in premium also applies if not entitled to BAfoG. The first increase took place beginning this year. The reason for this was the increase of the General contribution rate in the statutory health insurance (GKV) from 14.9 to 15.5 per cent.
Since also the package students post about this contribution rate is determined, the monthly costs for students of 53,40 to 55.55 euros climbed. The contribution thus increases for students three months for the second time by more than 20 percent. Young people, often facing every euro, are”so heavily concerned with the recent increases, Albert Gottelt admits, health editor in Chief at 1A. The increase in premium is true especially students between 25 and 30 years, because up to the age of 25, the free family insurance uses in most cases. Students from 30 must be in Typically voluntarily insure and pay the regular contribution rate. Then, also a change in the private health insurance is possible. More on the subject see students about 1A health 1A health insurance (www.1a-krankenversicherung.de) is an independent consumer portal and deals with the issues of health and health insurance. The services include daily news and generally comprehensible prepared consumer information. Visitors also have the opportunity to find the appropriate statutory or private health insurance with a non-binding and free comparison. Consumers will also find compact information, including current judgments, studies, or advisor to the social security system.
Students will need to access deeper the economic crisis in the Pocket has found its next victim: the statutory health insurance. According to forecasts by experts, 2010 about 7.45 billion euros are lacking them. As the private-krankenversicherung.de Internet portal reported, now might also increased student contributions will help to fill the financial gap. After the family insurance, students must currently pay 53,40 euros for their health insurance. But soon could increase their contribution. Because of the attacked State Treasury, the health insurance now facing a huge financial hole that is to stuff it. Still, it is not clear how exactly this should be done.
The deliberations of the experts include reductions of services, as well as additional contributions and an increase in the rate of contribution. Still, a reduction in the income of the pharmaceutical industry, doctors and hospitals is aimed at. In return, the expenses for medicines and doctor salaries in future to rise. So medications should in the future about 5 Percent per year are more expensive. But with savings alone, the deficit cannot be overcome. A helping hand of Government would also be necessary. However, such support by taxpayers is highly unlikely. Of information the FAZ according to is post increases that speech be monthly 37 euro to the conversation.
Diving is regarded as the number one of the methods to explore the wonders of the underwater world. Divers used air from a tank or cylinder on his back for a significantly longer stay than with the techniques of respiracion-apnea, such as used in the swim with tuba (snorkeling) and free immersion; and it also has more freedom of movement than snuba. It is also one of the fastest growing industries, which attract millions of people every year. All divers enjoy this what time is the sense of adventure and a variety of colorful corals and other marine organisms. Diving today in day has become safer and easier. A certification will be required, but in many places a little intruduction display wonders at 5 or 10 meters / 15 or 33 feet.
Many couples, families, children eight years and older, and the elderly have already enjoyed diving. There are two types of diving: recreational and professional. Recreational diving: with the end of recreation and enjoyment, but with more education, training and experience divers can reach a professional level and apply for jobs around the world such as: instructor or Assistant, Aquarium maintenance, marine biology, photography sub-aquatic, etc. The depth for recreational diving limit is between 30 to 40 meters/100 to 133 feet, but also depends on the training and the gases used under water. Nuno Gomes (South Africa), currently holds the world record of the most deep immersive computer using scuba and different gas mixture to dive.
The immersion of 318 meters / 1044 feet broke the previous record set by the late John Bennet of 308 metres / 1016 feet (TBC). The time of the descent took 14 minutes but total immersion was 12 hours and 20 minutes. French diver Pascal Bernabe claims to be launched at 1083 feet (330 m) in July 2005 (unconfirmed). The previous records were established using recreational SCUBA. Commercial divers can go to depths of more than 500 meters / 1,650 feet using specialized commercial, military diving equipment and support systems as radios. Professional diving: some may say that it is because they are paid, but it is more for their training, their studies and licenses mainly that is call them professional, because there are simple jobs which can be done by diver who just input to the main level of training in diving. There are a lot of different professional disciplines in diving. Ranging from the simplest to the most dangerous in nature, from the simplest equipment to the most complex, for example, comunicacionbajo water systems; that you are often required by commercial and military diving act. That is what we must remember the dive be low water has its limits and risks that professional divers are willing to take. Remember that recreational diving is an activity for fun. Dives from 5 to 20 meters / 16 to 66 feet may show the wonderful world aquatic that once was explored by Cousteau.And these depths have the advantage of providing divers better light, colors and life marina. Also in shallower dives breathes less air bottle, making its safe and long immersion.