Uncertainty in choosing and switching insurance after health care reform This year, professional organizations announced that the outlook for the private health insurance (PHI) industry was stable. However, experts believe that a market shakeout in the private health insurance industry is likely to be imminent. The health reform may not only make premiums considerably more […]
Guest article by Dr. Fiala on the topic of Ltd. We have received the following guest article from Dr. Fiala. The already topical subject of Limited will be dealt with, as well as further possibilities of how intermediaries can optimally protect themselves. Optimizing protection against liability – a suggestion for intermediaries * *by Dr. Johannes […]
Date: 27 April 2007 at 8:48 am Category: Other interesting contributions Author: Albrecht Müller A recent ruling by the Munich Regional Labour Court confirms that the offsetting of acquisition costs in the first few years – in particular by means of “Zillmerung” – is impermissible in occupational pension schemes with deferred compensation. (Zillmerisation means that […]
Health care reform was once supposed to lower the cost burden, but the opposite is likely to be the case. Not only the private health insurers, with whom about 10% of the population is insured, but also other parties involved do not tire of referring to a multitude of legal opinions of renowned professors in […]
*by Dr. Johannes Fiala, Lawyer (Munich), Mediator (Univ.), MBA Financial Services (Univ.Wales), MM (Univ.), Certified Financial and Investment Advisor (A.F.A.), EC Expert (C.I.F.E.), Lecturer in Civil Law (Univ. of Cooperative Education), Banker (www.fiala.de) “There is known knowledge. These are things we know we know. There is known ignorance. That is, there are things we know […]
*by Dr. Johannes Fiala, lawyer (Munich), mediator (Univ.), MBA Financial Services (Univ.Wales), MM (Univ.), certified financial and investment advisor (A.F.A.), EC expert (C.I.F.E.), lecturer for civil and insurance law (Univ. of Cooperative Education), banker (www.fiala.de) and Peter A. Schramm, actuary DAV (Diethardt), graduate mathematician (Univ.), expert for actuarial mathematics, publicly appointed and sworn by the […]
The renewed compromise on health reform again raises serious doubts about the feasibility of the result: Compulsory health insurance for all (as an introduction to general citizens’ insurance) is now intended to allay the concerns of private health insurance (PKV) that the basic tariff will only be selectively taken out by the uninsured only when […]
Health care reform was once supposed to lower the cost burden, but the opposite is likely to be the case. Not only the private health insurers, with whom about 10 percent of the population is insured, but also other parties involved never tire of invoking a multitude of legal opinions by renowned professors as a […]
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 […]
There is known knowledge. These are things that we know we know. There is known ignorance. That is, there are things we know we don’t know. But there is also unknown unknowing. These are things we don’t know we don’t know.? (Donald Rumsfeld) Risks of providing advice on cover for loss of capacity to work: […]
