Cologne Higher Regional Court: Premium adjustments in private health insurance often ineffective!

– OLG Cologne judges generally usual procedure of the PKV as inadmissible –   In its judgment of 20 July 2012 (Case No.: 20 U 149/11), the Cologne Higher Regional Court ruled that a procedure used for decades by private health insurers for premium adjustments was incorrect. As a result, many premium adjustments since 1995 […]

Corona aid: With the support of the state in insolvency and old-age poverty

The wave of insolvencies is coming. What is to be considered thereby and how self-employed persons and GmbH managing directors could lose also the old age pension, explain the examined financial and investment advisor and banker Dr. Johannes Fiala and the expert for insurance mathematics Peter A. Schramm.   In the so-called Corona crisis, the […]

Company pension scheme: Early termination of insurance contracts in the event of a change of employer

Reader A. S. asks: In the BC July 2007 issue, I read with great interest the article on occupational pensions and the employer’s obligation to offset losses in the case of deferred compensation. Following this, I invited our insurance agent to come in for a chat. He informed me inter alia: In the example case […]

Company pension scheme: Early termination of insurance contracts in the event of a change of employer

By Dr. Johannes Fiala and Thomas Keppel Reader A. S. asks: In the July 2007 issue of BC, I read with great interest the article on occupational pension provision and the employer’s obligation to offset losses in the case of deferred compensation. Subsequently, I invited our insurance agent for a discussion. He informed me, among […]

Liability risks for employers when changing jobs and taking over company pension schemes (bAV)

– Pension capital transfer or change of policyholder – decision between plague and cholera –   In purely statistical terms, the length of service of an employee is just under five years. If the employee has a pension plan, he or she will be able to take it with him or her to the new […]

Private health insurance: Risks when concluding and changing tariffs and insurers

– When the change into another private health insurance (PKV) fails en masse – Around 10% of Germans have private health insurance. On average, customers change insurance companies five times in their lifetime, if he engages in advertising through certain brokers and distributors. Massively it comes thereby later to a contestation or a Withdrawal by […]