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 […]
If a private health insurance policy is taken out, or later changed around five times in a lifetime, the intermediary receives remuneration of around 8 times the monthly premium each time – in the past it could well be double what an insurance company paid for a new customer. It is commonly said that private […]
If a private health insurance policy is taken out, or later changed around five times in a lifetime, the intermediary receives remuneration of around 8 times the monthly premium each time – in the past it could well be double what an insurance company paid for a new customer. It is commonly said that private […]
Insurers are beating the drum for year-end business and advertising early unisex solutions. However, some intermediaries have a completely different problem. Particularly in the day-to-day business and in compensation, things are really sticking. portfolio international explains how the biggest pitfalls in everyday sales can be avoided. Shortly before Christmas, a more than 100-year-old practice of […]
Premium adjustment clause of Allianz Krankenversicherung also invalid? Penalisation of old customers as tariff switchers through premium surcharge Since the introduction of the new Aktimed tariffs, Allianz has levied an additional flat-rate surcharge, the so-called tariff structure surcharge, on all switchers from the old tariffs. This reduced the potential savings of those switching from […]
A recent ruling by the Federal Court of Justice (BGH) dated 29.07.2009 (Case No. I ZR 22/07) confirms that the obligation to state effective interest rates, which has been in force since the 1980s, also applies to the payment of insurance premiums by instalments with instalment surcharges. The rule for insurance premiums is that […]
Since the introduction of the new Aktimed tariffs, Allianz has levied an additional flat-rate surcharge, the so-called tariff structure surcharge, on all switchers from the old tariffs. This reduced the potential savings of those switching from old Allianz tariffs, who tend to be in poorer health than new customers on Aktimed tariffs. Switchers had to […]
… at least potential for ways up to the constitutional court dgd – Even if health minister Ulla Schmidt (SPD) wiegelt, doubt (not only right) politicians of the Union parliamentary group, the liberals and the Greens in the Bundestag further at the constitutionality of the health reform. Like other legal politicians of the CDU/CSU and […]
“Already on 27.04.2007 the Federal Ministry of Justice presented the draft of the “Ordinance on Information Duties for Insurance Contracts”. According to this, insurance intermediaries are to show their performance-related remuneration in euros and cents before the contract is concluded. Initially, only life insurance, occupational disability and accident insurance are to be affected. Property […]
PM Dr. Johannes Fiala, Munich, November 2006 In a time in which the market for private health insurance – but not only this – is “shaped” on the part of the mediators in the majority of cases by people with manageable specialist knowledge, elementary product contents are obviously completely forgotten. The focus is on […]
