A lack of documentation already leads to courts deciding to the detriment of the insurance broker, even reversing the burden of proof. This problem may still have to be compensated in individual cases by a constantly uncertain witness evidence. A major problem is the so-called secondary burden of proof, which has been required by courts […]
A recent ruling of the Higher Regional Court of Cologne of 26.02.2016 (Case No. 20 U 102/15) underlines the “obligation of the broker to inform the policyholder that the intended change to private health insurance (PKV) may affect the insurance cover of his or her spouse and the financial burdens associated with it”. The spouse […]
Foreign insurance companies, especially those from the European Economic Area (EEA) and the European Union (EU) are increasingly competing with domestic providers. For insurance intermediaries and insurance customers, this creates risks, but also opportunities. EEA and EU insurers must obtain a certificate from their home financial supervisory authority that they have sufficient own funds. […]
Savings in private health insurance premiums with a provident fund / The emergency tariff makes it possible Around 5% of those insured with private health insurance (UN) are in social tariffs (standard tariff, emergency tariff, basic tariff), with an upward trend. In the emergency tariff, private health insurance policyholders with substantial premium arrears are […]
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 […]
– How a responsible private health insurance achieves stable contributions – A physician began his lecture on the subject of “Patient Will” with the words: “So, all those of you who are insured by the statutory health insurance (GKV) can now leave the hall – you will be left to die, because the GKV only […]
Contribution saving in the private health insurance (PKV) with relief fund* – How not only standard and emergency tariff of the PKV must be improved. – Around 5% of those insured with private health insurance (UN) are in social tariffs (standard tariff, emergency tariff, basic tariff), with an upward trend. In the emergency tariff, […]
When pension funds cut their own benefits For years, there have been more and more reports about the reduction of benefits in pension funds, life insurance companies and pension funds. Responsible actuaries, actuaries, are increasingly worried there. And rightly so, because employers could take recourse against these experts in matters of occupational pension calculation. After […]
The Association of Private Health Insurance Companies (PKV Association) has made an effort to understand the collective principles and product concept of supplementary nursing care insurance, including the legal basis. But in vain, because the changes to be implemented for 2017 in the insurance conditions of private supplementary nursing care insurance (PPZ) are based on […]
The Association of Private Health Insurance Companies (PKV Association) has made an effort to understand the collective principles and product concept of supplementary nursing care insurance, including the legal basis. But in vain, because the changes to be implemented for 2017 in the insurance conditions of private supplementary nursing care insurance (PPZ) are based on […]
