What Statutory health insurance pays what? What is the performance of health insurance look like? And the costs of individual health insurance company? Financial test accepts the offer of statutory health insurance funds under the microscope, and above all find out one thing: that is paid more, as many know health insurance.
“Public health insurance: cash pay out more than many insured
Declining cash offer courses or training back to take homeopathic treatment the doctor and pay funds for travel vaccinations or professional dental cleaning. Very few insurance customers know about it. The Stiftung Warentest has tested the range of 93 health insurance companies. The test appears in the June issue of financial test.
About 600 € per capita, the Germans have spent the past year, in addition to their health to their health insurance contributions. These were issues such as check-ups, dentures or alternative treatments. Some of these costs, however, would take over the cash register. The insured would have to know them and call for the extras.
The current financial test analysis shows that it is worth the trouble, because in some funds insured can save some 100 € a year. Three out of four pay cash in the test example, homeopathic treatments, or support screening. Also at the dental care to some 40 funds participating in the test. They offer one to two times annually with a professional teeth cleaning or in part subject to the cost. Conclusion of the financial test experts: Better to be supplied most of the people who inform themselves and ask.
The detailed test public health insurance is published in the June issue of financial reviews and online. “
If the media reports over the past couple days reading, it seems the United IKK two ways to go just yet: the health insurance bankruptcy or imposing an additional contribution to financially laps to get by.
Klaus Brandner, Board member of the United IKK made over “World Online” clear: “If there is no financial help, then additional contribution is inevitable”. It starts now, the big health insurance dying , which is already in the room while floating one, but so far not entered in the collection of additional contributions and the imposition of higher insurance premiums?
The BKK City has demonstrated it. Since everything was just nothing to save, a bankruptcy would have made no sense, therefore, the company health insurance now on 1 Closed in July. It is probably only a matter of time before the Federal Insurance Office the next office is closing.
The United IKK is in the balance. More than one million members and 1.7 million policyholders depend on this fund. Significantly more than BKK City, and already there have the current members struggle to find a new fund. To this end, the president of the BVA, Maximilian Gass: “This is scandalous behavior intolerable and unacceptable. It is a public entity unworthy of that legal obligation is being exploited to advise the insured against unsolicited abusive members. This is especially true for “advice” to sick or frail insured, according to the seamless continuation of care during a change could be “problematic”.. ”
Clear words from the direction of the Federal Insurance Office. The health insurance carousel but will probably have to continue turning a while for the health system gesundet slowly. The departure of Mr Federal Minister of Health, especially in this time of crisis in the Office of the Minister in a time of booming economic activity says a lot about how important the issue is health insurance for the federal government and for Philip Rösler probably was. The captain is always the last to disembark when the ship goes down .
The health insurance companies are getting more expensive, take less and less cost for the treatments. In particular, the area dentist has been affected by numerous power cuts, a private dental insurance is necessary for most. But where do you find insurance for dentures in the test, and what is the proper dental insurance?
When looking for a good insurance for dental treatment, oral surgery, it is important to carefully monitor the performance – and not to be tempted by a supposedly favorable review. The benefits are important, as the curfew. In addition, the contract must be read carefully to see if the insurance company actually pays when it comes to treatment and / or dentures.
A reliable test for dental insurance would be desirable, as it for many other insurance companies, as is, for example, the disability insurance already. We hope that such a dental insurance test is performed soon so that we can recommend to our readers the best insurance in the dental prosthesis and dental treatment.
Who announces a term life insurance lose, unlike the capital life insurance money. In an endowment life insurance, however, a dismissal also means the loss of some money – because the cost of life insurance the insured must bear, costs or not. Another way is to sell the endowment policy.
Life insurance sale – A serious matter?
The sale of life insurance may seem at first sight impossible or unrealistic, but selling an endowment policy is already in progress for years. The contributions for life insurance no longer need to be paid, however, the purchase price to be paid for endowment insurance, usually higher than the pure surrender value, one would recover in the event of termination of the insurance company: The advantage is.
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Who announces a capital life insurance because he eg due to illness or unemployment, not enough money for the monthly premiums at its disposal, which loses money. After all, the cost of life insurance will be charged anyway, leaving behind the bottom line is only a so-called cash surrender value – which is lower than the actual premiums paid. The saver therefore makes a loss. A sale of the endowment policy, however, it allows the insured, more of what he has paid to get back and still be rid of the insurance itself. A better alternative to an endowment policy the way, is a combination of term life insurance and savings account. In this way, the death is still hedged on the money market account, money can be saved then excellent rate of return – and is even available at all times.