– Why private health insurance (PKV) differently, and often less, than the health insurance (GKV) – The Federal Court of Justice ruled in its judgment of 11.03.2015 (Case No. IV ZR 54/14): “If an insured person pursues his professional activity at his previous workplace to a limited extent within the framework of a reintegration […]
Artikel zum Thema: Krankentagegeld
Private health insurers (PKV) cannot reduce the daily sickness allowance
– How the Federal Court of Justice (BGH) has put an end to mass litigation – The Federal Court of Justice (BGH) ruled (judgment of 06.07.2016, Case No. IV ZR 44/15) that a reduction of the daily sickness allowance as well as of the insurance premium pursuant to Section 4 IV of the Model […]
When are insurers no longer obliged to pay benefits or can reduce benefits?
– Liability traps and gaps in coverage in the daily sickness benefit insurance – In its ruling of July 6, 2016 (Case No. IV ZR 44/15), the Federal Court of Justice decided that regulations in the model terms and conditions (Section 4 IV MB/KT 2009) which regulated a compulsory reduction of the insured daily sickness […]
Claims to daily sickness benefits despite partial retirement and also without loss of income
– Judgment of the Regional Court (LG) Nuremberg-Fürth confirms claims even without monetary need – Also with the conclusion of a sickness daily benefit (KT) insurance as so-called sum insurance, insurers try in many concrete cases to refer to the fact that the insurance customer had no damage by the inability to work, and […]
UNISEX – Effects on PKV contracts
New ruling by the European Court of Justice (ECJ) obliges insurers to use only so-called “unisex tariffs” from 21 December 2012, for example in comprehensive private health insurance, daily sickness allowance, daily nursing allowance and other supplementary insurance, but also the so-called premium protection plans. Up to now, men have usually paid a lower premium […]
Tax fraud in practice/operating loss insurance
Insurers harm their customers – How self-employed, but especially freelancers, are led to tax evasion In its ruling of 20 May 2009, the BFH (Case No. VIII R 6/07) confirmed its established case law according to which a practice breakdown insurance policy – also known as business breakdown insurance – for the event of […]
Health Care Reform as an Entry Point into the Totalitarian Welfare State?
A truck driver who sits behind the wheel for 13 hours at night is immediately taken out of circulation, if he hasn’t already woken up in the ditch. The renewed compromise on health care reform probably came about in a similar way with a comparable result. Compulsory health insurance for all (as an introduction […]