In the case of the Federal Social Court, the owner of a clothing chain was to be treated only as a “part-time self-employed person” after he had received a widower’s and standard old-age pension, so that in future he would not have to pay the higher voluntary contributions but only compulsory contributions to the statutory […]
Probably most members of a private health insurance company will be annoyed about the annual premium increases, which are particularly serious with increasing age. As a solution, private health insurance companies usually offer a succinct explanation: in order to maintain the previous contribution, one could even do without some of the benefits previously covered. In […]
There are many factors contributing to inflation in private health insurance. For example, charges for cross-subsidisation for the basic, standard and emergency tariffs. Those who have concluded their private health insurance before 01.01.2009 can also change to the standard tariff – the others only to the basic tariff. The lack of the insurer’s (VR) right […]
Why the emergency tariff of the private health insurance is not so unattractive published in VALUE Das Beratermagazin (issue 04/2015, page 59)
Offer: Since 1 January 2009, the legislator has introduced compulsory insurance for all. Those who had not taken out insurance must pay premiums in arrears. The first six months’ contributions in full, and one sixth for each monthly contribution thereafter. This de facto economic discrimination has discouraged many of the uninsured from re-insuring “voluntarily” in […]
– When structures for asset protection and succession planning are ineffective – Banks and insurance companies, as well as financial advisors from Germany and abroad, are praising foreign camouflage constructions via prospectuses and appraisals. This should make it practically possible for assets of 100,000 euros or more to constitute a secure succession arrangement by circumventing […]
– Judgement LG Aachen: Private health insurance and privately insured persons often only owe statutory health insurance prices – Dentists joke about their patients “The earnings from a total renovation have been enough for generations to buy a new swimming pool”. However, a new ruling by the Aachen Regional Court (Ref. 11 O 367/10 […]
– When insurance brokers can receive fees in addition to brokerage – “Tine flies like an arrow. Fruits flies like a banana.” (Groucho Marx) For decades, insurance brokers have competed with business and tax advisors, legal counsel, and insurance consultants. In this context, comprehensive insurance advice as pure legal advice is (also) part of […]
– What life insurance companies and pension funds are hiding from premium payers – Life insurance policies for occupational (bAV) and private (pAV) pensions, but also pension schemes, can provide far fewer benefits than promised or promised on paper. However, policyholders often have a claim for damages against the intermediaries and advisors or product […]
Equality “unisex tariffs From 21 December this year, men and women will also be equal when it comes to insurance. This is what the European Court of Justice has ruled. From this point onwards, all different premium calculations according to gender will become obsolete. With the new “unisex tariffs”, premiums and benefits will be the same […]
