An alternative form of private pension schemes by the Economist Bernd Rurup was State-subsidized pension developed and introduced in 2005 by the legislature.Based on a pension insurance contract it is the statutory pensions in tax treatment as well as the performance criteria here. However if the Rurup-rente, unlike pay-as-you-go statutory pensions, not to one but to a fully-funded form of pension insurance. Basic idea of the legislator is that the sum of savings is used exclusively for retirement. There is therefore some limitations. There are various categories of persons eligible for the conclusion of a Riester pensions not in question.
Well, there’s a way to save money for a private pension in the form of the Rurup pension tax favors for these groups of people, especially for freelancers. But also advisable workers and civil servants will benefit from the tax savings in addition to self-employed and freelancers. At It is not possible to use funded Riester pension or a company pension plan self-employed and freelancers. Since 2005 no longer tax as special editions deductible contributions to a traditional pension or life insurance. This however, contracts that have started before the individual 2005 this was until December 31, 2004, an insurance premium paid are excluded. Thus the contributions to the Rurup pension tax as special editions may be asserted stated, certain conditions in the insurance contract have to be. There are this and more information on their financial and insurance Portal!
Conditions and price are crucial with love in the hospital most people go. But when serious illness the majority of patients wishes an accommodation in the double room and the right to a chief physician treatment. For this, patients however need a private additional insurance for the hospital. Otherwise an accommodation in a dormitory and a treatment carried out by default each on-duty doctor. However some important criteria should be considered when choosing the right hospital insurance because some key differences include individual rates not only in price but also in the small print.
It starts in the fare calculation: some insurers offer policies without ageing provisions. As a result, These tariffs are particularly cheap at conclusion of the contract, on this but have been steadily rising. Tariffs with ageing provisions the insurer lays back some money for later at a young age and financed the significantly higher expenditure thus aged statistically. The performance limits are an essential aspect of the second. Most insurers reimburse expenses up to the maximum rates of fees for doctors. Very good tariffs also pay about difficult operations need to be performed by specialists.
Then of course, tariffs, where the insurer would refund the cost above the fees for doctors are better. Meanwhile many perform operations even as an outpatient at the hospital. These include operations on the eye cataracts or meniscus surgery, about the removal of varicose veins. Who has a hospital insurance, wishing mostly that, also in outpatient operations, chief physician performs the operation. In practice these costs would not take over but the majority of German insurers. Therefore you should look for when taking out additional insurance also, that the insurer shall assume the costs for the private doctor out-patient operations in the hospital. Many insurers assume any cost for the forward and after stationary treatment around a hospital stay. Very good rates, however, reimburse the remaining costs, which are related to the actual inpatient stay. The differences in the individual conditions of insurance of various providers are therefore enormous. Krankenzusatzversicherung.young insurance.de are a tariff Finder for the supplementary health insurance with the ability to enter online different condition criteria and calculated appropriate offers on the website. Bergische insurance broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Yuri Arcurs / fotolia.com corporate information: company Bergische insurance broker was founded by the diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the Internet presence of young Insurance.de, the company has specially on the Specialized needs of private individuals and professionals would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998 in the insurance industry are active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With one individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.
So, consumers find the right contract for the disability of workers and employees is much spoken. But what happens when officials, teachers or police officers due to an illness or accident can no longer exercise their service? Now officials on trial and withdrawal are bad here secured by the State. Not to get into financial difficulties, officials with an invalidity insurance to secure financially himself. What is invalidity insurance? Invalidity insurance is a special form of disability insurance (BU). It is adapted to the specific needs of civil servants, teachers, soldiers and police officers. Because here a normal BU insurance not helping out, to get the officials when an invalidity under the arms. Otherwise, the only difference is similar to the invalidity insurance with the well-known BU police: it contains the so-called Dienstunfahigkeits – or even officials clause. But there are also serious Differences in quality.
Because this clause is in turn divided into real, fake, and limited officials clause. A solid service disability insurance includes in any case the real clause, because only these jumps in adequately paid. What is the supply for civil servants in the event of service disability? How about the supply in the event of service disability with officials, depends on whether civil servants on lifetime, tryout, or revocation. Officials enjoy the full supply of officers, i.e. pension and accident pension. Officials of withdrawal however, are at a leisure accident or disease, which lead to the invalidity, dismissed and insured post in the statutory pension insurance. Here too, the general waiting time must be fulfilled by 60 months. They receive the maintenance contribution for an accident of service or the service damage according to 38 BeVG.
When officers on trial it behaves the same, except that in the service of accident and the service damage an accident pension or get a pension. How to detect consumer a good service disability insurance? Although there are not many vendors of invalidity insurance on the market, but the individual tariffs have a very different quality. The most important feature is, as mentioned briefly above, the real officials clause, which immediately provides a service disability with a disability. In addition, also the guarantee of insurance may make sense. Here, the policyholder without re-examination of health can increase the Dienstunfahigkeits pension to a particular event. These include among other things, the birth of a child or a marriage. Equally important criterion is the renunciation of the abstract reference, so that the policyholder paid can not be referred to another profession.