Private health insurance and euthanasia – how does this fit together, many readers ask themselves after the current discussion. At first glance, the topics may seem unrelated, but a dispute has arisen over whether Emergency aid for reducing contributions in of private health insurance right or morally justifiable. published under Private Health Insurance Test 2017 […]
Recent insurance cases in legal expenses insurance lead to the question: When is it useful to take out a coverage claim in the event of a refusal of benefits? Insurance companies offer the customer a good feeling until the customer is then faced with a mostly justified refusal of benefits in the event of […]
– As the broker also has duties of protection against third parties – 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 […]
Insurance companies offer the customer a good feeling until the customer is then faced with a mostly justified refusal of benefits in the event of a claim. The vast majority of intermediaries have hardly any market overview for a comparison of offers at home and abroad – especially not the customer. The broker lets a […]
According to § 10 I No.3 EStG, all contributions to private health and long-term care insurance should be fully tax-deductible as “other provision expenses” from 2010. However, this only applies in so far as it is proportionally a so-called basic insurance (basic health insurance and compulsory nursing care insurance). The Federal Court of Finance […]
Insurance companies offer the customer a good feeling until the customer is then faced with a mostly justified refusal of benefits in the event of a claim. The vast majority of intermediaries have hardly any market overview for a comparison of offers at home and abroad – especially not the customer. The broker lets a […]
Health insurers may demand an exclusion of benefits in the target tariff if the policyholder changes tariffs. The policyholder does not need to have an increased risk for this. This is clear from a ruling of the Federal Court of Justice (BGH). As a result, tariff change optimizers who accept unreasonably high risk surcharges for […]
Changing tariffs in private health insurance often makes sense even for those who have been insured for many years. It is not just a matter of saving on premiums, but of improving benefits. Private health insurance (PKV) is cheap when you are young – because with statutory health insurance (GKV), contributions are based on […]
– Why the complete departure from private health insurance is questionable – A 55-year-old man reports to an actuarial expert after his private health insurance (PKV) has more than doubled its premiums within nine years, even though he has been insured for almost thirty years. The actuary replies, yes, I just calculated that for […]
Private health insurance (PKV) as a cost trap for pensioners often leads to poverty in old age – how the self-employed and former self-employed can reduce or avoid PKV premiums. published in Professional Production, issue September/October 2015 Link: http://www.professional-production.de/fachbeitraege/einzelansicht/datum/2015/08/31/kostenfalle-pkv/
