Private Accident Insurance

“A casualty in an emergency can prevent the financial fiasco in 1 the General conditions of the accident insurance is laid down that an accident is when by a suddenly from the outside on their body acting event (accident) the insured person involuntarily suffers an impairment to health”. Also, injuries to joints, muscles, tendons, ligaments or capsules by increased effort of the limbs or spine fall under this definition. The statutory accident insurance protects you in accidents against the incapacity for work but only when such accidents happen your work on the way to work, when performing itself, or on the way home from work. The statutory accident insurance is so only in the case of accidents directly related with your work. But two-thirds of all accidents happen at home or during leisure time. Have you completed any private insurance in this case, you’re completely own up, without Insurance and a financial backing. A private accident insurance provides the benefits of private accident insurance at a glance even if the accident at all nothing to do with the work has so in your spare time, in the budget, and even on vacation. While this insurance protection worldwide and around the clock. In the event of an accident, the accident insurance provides a previously agreed amount. This can be made in the form of a one-off payment or through a lifetime monthly pension, called accident pension. You can save other additional services for a certain fee. For example, a hospital daily allowance or a recovery money. A contractual compensation or a certain instantaneous in an especially fatal accident by the now huge costs incurred as a result of operations or maintenance, are also available. Also you can insure with cosmetic surgery and treatments, which have become necessary due to the accident. It is also possible that the survivors in the Death by a contractually determined amount to cover. Types of contracts in private accident insurance in addition to the individual agreements there are mainly four types of contract in the accident insurance: dynamic accident insurance increased annually, to counter inflation as contributions and thus the insurance sum. This is particularly important in accident insurance, which have a long maturity. The linear accident insurance provides the contractually fixed performance, in which also the degree of invalidity can be estimated by the accident exactly in the percentage amount. At 40% invalidity, 40% of the sum of insured be made so. The progressive casualty insurance provides disproportionately more accident-induced unemployment is higher. This is very useful, because the more serious are the consequences of the accident, medical care and meals will be more expensive. So-called Mehrleistungs accident insurance tariffs doubling the size of their insurance from a previously agreed amount of disability. What is not insured by the insurance? Diseases and disorders are generally not from private accident insurance insured. Also accidents caused due to epileptic seizures, impaired consciousness, alcohol and drugs, or stroke and seizures, are not insured. As well, any occupant of aircraft or test drives are not insured. Also you can exclude certain extreme sports. You can view any time the exclusion rules in a catalog at your insurance company.

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Insurance Coverage

Range of children policies puzzled many parents just young parents lack it often understandably experience in terms of the number of insurance products for children. Training policies, children accident insurance, dental insurance, life insurance, etc. are like touted by German insurers to offer comprehensive protection for their children the parents. Parents should work out a priority list so that the children are really best covered. Usually, children are insured through the health insurance of their parents. The same applies for personal liability insurance, as long as no single fare is agreed. An important pillar forms a risk life insurance, which should complete the parents, so that in the event of death of a parent is a high amount of capital for survivors available. For the child itself, the parents should cover in particular the accident and disease risk. The financial consequences of an accident can be covered by a children’s accident insurance. The State accident insurance takes only eingeschrakt and even fails the most accidents – for example at leisure or at home -. There are good rates here for less than five euros a month. A so-called children disability insurance is slightly better than a casualty. This pays a lifetime monthly pension for disability: regardless of whether it was born disability due to an accident or illness. However, the child disability insurance is considerably more expensive than a casualty. The majority of German children are on a statutory health insurance company health. A supplementary health insurance for the single room in the hospital, the free choice of doctor, glasses or contact lenses, naturopaths treatment or the use of natural medicine, the costs for checkups and a sick foreign rice insurance is recommended here. A complete package with very good conditions of insurance is some providers already for around eight euros a month available. Only when these risks are hedged, parents should consider whether an education insurance or some other savings plan for the child in question comes. The asset accumulation is a nice financial protection for the child of course, but this should be reconsidered only after securing the existential risks such as accidents, disability or disease. Learn more about the insurance coverage for children can be found on the website Kinderportal.young insurance.de. Contact: Bergische insurance broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Jaimie Duplass – fotolia.com corporate information: company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence of young Insurance.de, the company has specially to the needs of individuals and Specialized trader 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 are active customers via the Internet, by telephone and by post served – when preparing offers, 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 use latest financial comparison software, prospects and customers are advised objectively and independently.

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CAR Insurance Comparisons

What car insurance best suits the individual needs? A life without a car is actually no longer conceivable for most. You once enjoyed this luxury, one has to give up simply no desire in the future! There are a few people who reject an automobile for moral reasons. The majority of citizens want to leave but under no circumstances take their ride. The parole time is money”is a common principle widely. And time is short! That a car will also be financed many Accept phlegmatic. You can reduce these costs but also drastically perceive many car owners only on the edge. The consumer cannot influence the hot discussed gasoline prices. But in terms of car insurance it is located in his own hand, to opt for a really good deal. A car insurance comparison should not necessarily be connected with a huge expenditure of time. One it intends to actually, through the jungle by the eligible provider contracts to make, it is understandable that this project again and again is postponed until tomorrow. But in the meantime, we live in the 21st century. The Internet offers consumers an extensive range of information of any kind. Check with Eva Andersson-Dubin to learn more. Insurance Advisor can be found on countless websites. In the Internet era, no longer a car insurance comparison must be done on your own. So much is clear times! For this purpose there is the handy Insurance Calculator, which are mostly free provided now. The user must feed the user friendly tool simply with a few data and already sets off the computer at a rapid pace. Within a very short time, the results will be presented one. With a Kfzversicherungsvergleich so everyone can become friends, even though time may be so close! An insurance Advisor provides enlightenment. Many questions around the subject of car insurance are answered. “These include questions as: how should you compare the car insurance policies properly?” as well as: how and when can I cancel my insurance?” An insurance advisor ensures clarity!

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