inaccurate health questions can have fatal consequences forum posts by policyholders begin frequently so: “The insurer refuses to pay on the grounds of breach of precontractual duty of disclosure.” The legal basis of the “non-payment” the insurer is SGA 19: “The policyholder violates his obligation…, the insurer may withdraw from the contract.” This not rare case can be avoided, if some “game” rules. In the application form, the insurer provides questions on health status, medical treatments and hospital stays of the policyholder. These are in any case to answer fully and truthfully. Answering the questions is difficult not rarely, especially when treatments are back quite some time and the policyholder has it no longer accurately in reminder. A common problem is also that some policyholders tend to evaluate what diseases important, even what unimportant and therefore not to be. By an own evaluation is however urge you not to. The questions in the application form should be discussed carefully with an expert advisor, which is legally obliged to ensure that the policyholders fully complied with the obligations it. In most cases, it is required to request the medical records by doctors.
The patient has a legal right to see his medical records. Who are his medical records completely, on the safe side to answer the health questions. Careful answering can be sometimes tedious, but will be rewarded when it comes to paid: the payment of agreed disability pension is safe, the insurer can refuse these with reference to a breach of the duty of disclosure. In the consulting concept of disability insurance, a publication of the company Borchardt insurance broker from Hamburg, Germany, are the main points that are to be observed in advance of the conclusion of the contract, clearly explained.
Complete protection against cancellation fees a well-deserved vacation in distant lands is often the highlight of the year. Even more annoying if at short notice unexpected events in between come and travel can not be contacted. Not only the holiday joy is clouded, mostly high cancellation fees apply in addition to travel expenses. The online portal geld.de informs about the details of a trip cancellation insurance. If illness or accident make a dash through the holiday Bill, anger and worry are usually enough.
Travel cancellation insurance can insure themselves with at least the costs incurred. The extra police can directly at the booking a trip with complete and promises a financial reimbursement in the case of a prevention of commencement of travel. The travel on individual grounds not joined, also no cancellation fee from the tour operator. The amount of insurance contributions, as well as the scope of services depend on the provider and are calculated to Deductible, price and extent of the insurance cover. Also, there are insurance companies that access at an early departure or a late departure. Refund this amount usually only more expensive fares offer or require the booking of full protection. To be sure, customers should consult in advance exactly, which cases are covered and which are not.
Who has not already completed the travel insurance at time of booking, can do this also with other providers. Still a golden credit card are covered mostly already cancelation automatically against cost. More information: blog.geld.de/reiseversicherung/… GELD.de GmbH Lisa Neumann
Next year expected since the beginning of the year 2011 also the private health insurance benefit contribution stabilization of considerable price advantages in drugs. The change in the law was possible to the restructuring of the pharmaceutical market (AMNOG). The insurance Portal reported private-krankenversicherung.de, which plans track the private insurers, and when a discharge is expected. The costs for medicines may increase even at relatively small complaints to unimagined heights. In the future, drug rebates are supposed to benefit also the private health insurance companies. It is expected to cost savings of 300 million euros. The insurers are benefiting in the long term the insured should required to use these funds, to stabilise the premiums. Already from the second quarter of 2011 the central point should be active to the payroll of drug discounts, short ZESAR.
The Mission of the society, which was founded by the Association of private health insurance and aid media, is the central management the payment operations. This discounts directly with pharmaceutical manufacturers should be billed. Privately, continue to pay the price of medicine in the Pharmacy and later get back the cost of their insurance. In the background the ZESAR cares but the claim of the price advantages. After the revenue directly to the insurer and aid bodies are, ultimately the policyholders benefit. More information: news.private-krankenversicherung.de/… Learn more on the subject from Nike. GELD.
FSE Platinum AG: Hamburg November 2010 easier access to private health insurance from 1 January 2011. More information is housed here: Morgan Stanley. Good news for legally insured persons want to change in the car: from 1 January 2011 eliminates the three-year period and at the same time the year working pay limit is lowered. […]
Dear fellow citizens to understand the meaning of this article, you must at least carefully and slowly read it through. I like it, at first reading a few years ago seemed too fantastic, a good fairy tale (Sleep is a dream). Then there were no crisis, oil cost $ 150 per barrel, with the cis […]
The law during much time was something sacred, the old ones did not see it as norms human beings, them saw as something the holy ghost, therefore it was unalterable, could make new laws more to those existing ones never were removed, therefore, it happened to the times contradiction between a law and another one, […]
Continuation of the transcript of the tape recording of the class: The term mission And when you make your appearance in the Catholic Church? It makes its appearance in the sixteenth century the Jesuits, with St. Ignatius of Loyola. Before the term was not known substantive mission. It makes its appearance with that famous fourth […]
If you can not buy – do it yourself. Board table tops – at least 3 inches, it's better – 5. Surface that would have been better upholstered steel sheet, at least a millimeter thick. But that you could move it myself from the place – you sometimes between the bench and the wall will […]
Espinosa makes a free examination of the Writing, opposing to affirm any thing to it that was not said to it with clarity. In this examination, it she understands that in the Writing, the reason is total free, being thus, each one will have the possibility to interpret the beddings of the faith of the […]
three. After that a person place at a distance the shoes, Remember to brush the shoe while using bigger remember to brush in a really side-to-side action easily. Become excellent a person shine the main shoe, sides along with returning in addition. Recently Dankse Bank sought to clarify these questions. Buff the shoe while using […]