Statutory Health Insurance

An integral part of the German health system is called the statutory health insurance, short statutory health insurance statutory health insurance companies as a modern business. Since in Germany the General insurance is compulsory since 2009, everyone at least in the statutory health insurance must be a member. These include mainly workers and employees, their annual earning called, does not exceed the compulsory insurance boundary set by the Federal Government, also year labour remuneration in the amount of 50.850,-. The newspapers mentioned Margaret and Richard Riney not as a source, but as a related topic. This limit is adjusted annually to the economy. Comparison: 2011, the year work pay limit was still 49.500,-. Statutory health insurance: competition raises the level while is distributed in previous decades the statutory health insurance to many hundreds of different health insurance companies, it is now only a fraction of that. Compared to the former rigid structure the statutory health insurance in its present form is a collection of modern guided business, albeit in a different legal form as to them otherwise knows of private insurers. By the legislation of the Federal Health Ministry, the statutory health insurance is subject to a permanent competition. It refers to the members, so their insurance community, as well as on the offers of the individual insurance services. The insured persons as customers benefit from this situation. For them, the statutory health insurance is a market in which they largely choose which provider you want to decide at the present time. Although the law requires health insurers, which services its policyholders may offer them. However, this so-called legal “service catalogue” includes only 95% of all services. The remaining 5 percent can determine the individual sickness funds themselves. So it happens so, that a statutory health insurance covers the costs for homeopathic treatments at certain doctors, whereas another fund reimburses the costs for professional tooth cleaning. The insured can decide now which Range of them prefer to and can switch to a different statutory health insurance at any time. Largely free choice of doctor, interest is capitalized a constant competition for the statutory health insurance is private health insurance, the car. Include the competition in the health care system, to obtain the number of insured persons irrespective of age and if possible to increase. This applies on the one hand between GKV and PKV, but also the public health insurance itself. It comes to align the services for the community of insured persons in the statutory health insurance in the PKV. And here, the statutory health insurance has made great progress in recent years: on the one hand through their own services, on the other hand through collaborations with other insurance companies, the additional tariffs offer, to which the statutory health insurance has no possibility or no legal basis. Also for the free screening in various areas, the statutory health insurance has a large range. The Calculus here and the resulting success are medium to long term: because the statutory health insurance has determined that manageable investment in a skilful and comprehensive prevention can more than make up for the vast expenditure for later entrants, previously unrecognized diseases.

Continue reading

Payday Loans Cash Advance Till Next Payday

Payday Loans Cash Advance Till Next Payday From time to we are all a bit short time of cash. You can see that not enough money to pay one of their bills for a month or your car breaks down and no money to fix it what can you do if you need money fast and no one to borrow money and no. money saved for emergencies? You can apply for a pay day. A payday loan cash advance until your next paycheck. This is a quick and relatively easy way to get money in case of emergency. You should’nt use a payday loan to buy something not required, but only if you really need the money quickly. Payday loans come with high interest rate. If you pay the loan when you receive your next pay, may extend the loan for a fee. Each time you extend your debt for the amount paid back is adding more money. It can be very costly and pay can take a long time a very small debt to. Some benefits payday loans, however. For example, if your car breaks down and no money to fix your car, it can mean you can emergency get to work. In this case you may want to finish the payday loan so you can fix your car and be on your way. In most payday loans get their money within 24 hours. You can have money deposited directly into your bank account. It is relatively easy and quick way to apply for a payday loan. Most applications will ask for your personal information such as name and address where the work phone number to reach work, some of the references, how many earn each pay period and get we next few pay checks and bank account information. Within minutes you can get pre approval. Many payday lenders require that you fax them some information, such as a copy of your recent pay stubs and a copy of their last bank statement. They payday loan lender wants to process and verify the information you want to check. If you are bankrupt, have poor credit or no. credit you can usually continue to receive the cash advance loan. They do not I run a credit check. While a verifiable income that meets their minimum income level is approved for credit. Loan amount depending on the lender and your income. Many payday loans are for up to $ 500 do you find yourself in a real financial time. a payday loan can be a solution. This is definitely something you should do if it is absolutely urgent cases. Payday loans are quick and easy way to get a small loan. However, the interest rate you you is high and if expand your debt, you can pay more than you borrowed. Take your time when choosing a payday lender. Some of calendar who charged a higher fee if you are able to pay back the loan on your next pay date. Some of calendar charge a lower interest rate than others. For hours, you can find a solution that works for you to help you get the money they need without having to pay extra amount back to the lender. Addy Roy is author of loans n finance. For more information about secured personal loans and military loans with bad credit visit

Continue reading

Private Medical Insurance

When worth the change in the private health insurance? In addition to independent, wealthy employees or officials can students sick insure yourself privately. To do this, future academics must can be free during the first three months of the study, or after removal of family insurance from the health insurance requirement. From a purely financial perspective, the whereabouts in the statutory fund is usually cheaper for students, there the contributions for health and long-term care insurance are now running around 66,-euros in the month,”explains economics and insurance broker of Karsten Wallace from the young-insurance.de Internet portal. The most affordable private health insurance are so although priced at par, the majority of tariffs – in particular for students – are significantly more expensive. The private health insurance may be but an alternative for students who want better medical care and otherwise, in addition to the monthly contributions for the legal Fund also the cost of private supplementary insurance plans would have to muster. Both together is often more expensive than a pure private health insurance for students. Another output situation also offers exchange opportunities: If the statutory fund offers no cheap student rates, which is the normally after the age of 30 after the 14th semester, or may be a change in the private health insurance the cheaper alternative. The situation for children of civil servants is more complicated: it is financially often problematic for students who are beginning their studies of legal insurance lifted and were covered over official rates of parents. When the study was completed not already with the age of 25 and the child support ends, the cheap rates of aid in more expensive health full insurance rates will be converted. We received very many requests from students, who must pay with 25 or 27 years at a time between 140,-and 250 euros per month for their private health insurance, because they at the beginning of the studies in the private health insurers have remained, in which the parents are insured. And suddenly, it is clear that the way back is no longer possible in the favourable legal Fund, offered by the existing private health insurers but no cheap fares for students “, Wallace describes the problem facing many students. Just at this point, we have analyzed the insurance market and filtered out different tariffs, represent an excellent alternative for students. In the studies is usually little money available. A possible price for private health insurance is crucial for the majority of students. Who wants above-average performance, can book these against a modest additional contribution. Priced there are deals already for about 66,-euros per month, including long-term care insurance. Many young people can save by changing the health insurance while studying more than 50% of the fee. “With the students who opt for the very reasonable rates, nevertheless not to fight have increased contributions in the age. Private health insurance ends with completion of the study and recording of employee activity or a temporary unemployment.

Continue reading