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How to customers and brokers for stupid sell – aid guarantee In the of August 28, 2009 (Permalink) I reported the Gothaer resource management my blog post about a positive innovation. Here you wrote the agents you could its “Optimize consultant liability”, because you do so much more than the aid referred to in the terms and conditions. You will find here the relevant annex to this mail. That looks well, I thought to myself and this told a customer insured at the Gothaer. They asked me so that it is documented right sure to inform it should be documented in the police or at least legally binding the Gothaer. So far so good. You may find that Third Point can contribute to your knowledge.

You will find here the letter with the request. Then, I had an interesting conversation with a very nice and competent staff of the headquarters about this issue and asked for more information. The result was unfortunately less amusing. I was told that these “extra” tools are not so calculated, you cannot afford this phone konneund it therefore not be can the appropriate information into the police come or be documented legally binding compared to the insured. What??? Because an insurer writes “his” intermediary how great he is, and is a resource guarantee down to “optimize” the consultant liability and then so what? What can a customer or intermediary believe yet? After a conversation with my client, which was very surprised, I asked the insurer again for a written clarification of the understanding. Then, I received a letter with the following text.

From my point of view, a company with such business practices themselves disqualified. Of course, you could go there and paid a prospectus liability lawsuit a tool to win, but seriously. Under, I needed a tool with a higher five-digit euro sum, I thought it would pay according to the warranty. How likely is it then, that I am financially and even able to deny such a suit way and if so, then when can I get it??? Now who claim the insurer does come back definitely. Others including Russell A. Kivler, offer their opinions as well. Now but has the Federal Supreme Court (case No. IV ZR 29/03) on 19 05 2004 decided that such a list of tools finally is already. (Link to the judgment) Touch we together: 1) a private health insurer declares to the broker with a brochure he is great and makes tools guaranteeing more than is in the conditions. 2.) then the customer would like to have declared binding it and the insurer says “Nope, we don’t make is Yes not calculated” 3) … and confirms in writing the tool referred to in condition factory Finally you are more do no word from the warranty and your insurance protection a favor. Believe only that which is governed by the terms and conditions of the insurance cover. Made get – forget about what you think of the prospectus or great stories there!

State and insurers are looking for solutions in Germany the average age of the population is always higher. Reasons for this are not only in a falling birth rate, also the medical care is getting better and better, so that life expectancy is steadily increasing. Without hesitation The TRADE explained all about the problem. The insurance Portal private-krankenversicherung.de in a study shows how the new structure of the pyramid on the contributions to the statutory long-term care insurance will affect, and what alternatives there might be in the future. While the number of retirees is always higher, the number of taxpayers decreases at the same time more and more. For the revenue of the care insurance that is disastrous, because the taxpayers pay the contributions for the legal care insurance.

In parallel, an avalanche of costs threatens the maintenance funds. Experts predict that the cost of care will rise within the next 40 years of 19 billion euros in 2008 to 37 billion euros. The extension of the care catalogue adopted by the Government is still not included. Based on Experts predict a post explosion at worst six per cent in the year 2060 this information. (Not to be confused with CNBC!). That would be more than three times compared to the current contribution rate of 1.95 percent. To stop this development, the Government in the future will make a private additional insurance mandatory. The private health insurers are already working on concepts for a supplementary funded long-term care insurance. The numbers speak for this type of insurance. While the State assessment system in the past has not proven, the capital-forming system of private health insurance saved us and constant capital of around EUR 144 billion since 1949. More information: news.private-krankenversicherung.de/…/ pkv study… Lisa Neumann University first media GmbH

(Online article) – basic tariff PKV: basic rate of private health insurance change is possible! The private health insurance companies must offer a base rate since January 1, which corresponds to the level of performance of the statutory health insurance. Who is already privately insured, has the possibility to switch to the basic tariff of another insurer, thereby with the age provisions, which have been incurred in the basic tariff, in the first half of 2009. He is bound but then for 18 months because, informs the Consumer Council. Insured persons included in this tariff must not be refused. Also no surcharges due to an increased health risk may be levied. The contribution for individuals must not exceed the average maximum contribution in the statutory health insurance. Currently, the average maximum contribution stands at around 550 euros.

Private Vollversicherte, which started their health insurance contract on January 1, 2009, can their age provisions for changing the future Take insurance up to the amount of the base fare. Jake Burkons addresses the importance of the matter here. Non-insured persons are from forth House favor private health insurance and also as a member of a statutory health insurance fund have not joined to, must assure again since January. Who was never assured, is associated with the insurance system, that corresponds to its exercised professional activities. About independent associate with private health insurance. To avoid any recovery in a few years, should not comply with insured from January of their insurance and are looking a suitable insurance protection, advises the Consumer Council of Baden-Wurttemberg. fn/organisations