Health care reform has passed. Obviously, however, the reformers made mistakes in their work, because they did not understand how “exclusions” and insurance itself work. With serious consequences for the insured, which employers should definitely point out to employees who are willing to switch, as the authors Dr. Johannes Fiala and Peter A. Schramm mean […]
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 […]
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: […]
*by Johannes Fiala, lawyer (Munich), MBA Financial Services (Univ.Wales), MM (Univ.), certified financial and investment advisor (A.F.A.), banker (www.fiala.de) and Dipl.-Math. Peter A. Schramm, actuary DAV (Diethardt), actuarial expert (www.pkv-gutachter.de) For initiators and distributors it is of crucial importance that all necessary permits are available ? including audited prospectuses. However, there are always initiators who […]
