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Increased Competition Desired More

  • Posted on January 20, 2015 at 3:23 pm

The policy wishes in the car more competitive insurance lose so much money and must pay directly higher contributions from their new provider. Therefore, many insured before changing the recoil. This would now change the policy and to provide a stronger competition in the health insurance market. Purpose of retirement provisions due to the formation of retirement provisions to prevent growth in contributions in the age. At a young age pay the insured more than they actually take for health services.

With increasing age then more services needed, this can be compensated with the retirement provisions. Currently, approximately 180 billion euros are available for around nine million insured persons. In the cut are 20,000 euro per policyholder where the older policyholders amount is higher and young private patients according to low. The interest rate rises the saved amount at EUR 10 billion per annum. Understandably have little interest in the private health insurers that the rules something is changing.

Quite different, it looks at the insured, where some disadvantages caused by the current provisions. Changing the insurance is often not who already since before 2009 is private health insurance, can’t take his acquired age provisions for changing the insurance. Thus the insured loses tons of money. In addition, that must be paid when the new provider because of there lack retirement provisions from the beginning at a higher premium. Thus, the change is uninteresting and remain insured in their previous provider, even if they are dissatisfied with the services or the service. Consumer advocates complain the current practice already a long time and therefore demands a legal change to achieve more competition on the sick insurance market. Policy wants more competition policy has also recognized that some changes needed with regard to the private health insurance. This includes in particular, the creation of more competition. Currently, there are plans that insured when changing the provider may take a larger part of their retirement provisions. The FDP encourages greater transparency in base rates, as well as new concepts for the development of the contribution in its election manifesto.

Professional Liability

  • Posted on January 20, 2015 at 2:06 pm

Therefore, everyone is obliged to pay damages, which he adds to a third party. In the privacy of the liability insurance protects especially damage – and, if we make beipsielsweise something inadvertently broken or injured anyone in our rooms. In addition these damage – and necessarily an asset insurance to minimize the risk belongs to add for the self-employed, that whenever attacks if a freelancer in the framework of his professional activity but culpably financial damage caused unintentionally, at its clients. Such damages can reach huge heights depending on the industry and at worst mean the financial education for the Freelancer. Principles of the liability which risk is included? Not every public liability but here equivalent protection.

Actually there are two in Germany Liability principles that freelancers as policyholders be held liable: the statutory and contractual liability basis. What risks this difference, clarifies Lutz-Hendrik Groot Bramel, Managing Director of the insurance broker specialized freelancers and freelance gmbh: many self-employed not suspecting that their professional liability only pays if the legal liability basis. They don’t know that their insurance for contractual liability basis provides no service. In such a case they sit despite closed professional liability on legitimate demands and will have to settle this with their assets.” Contractual basis will significantly different underestimated risk for freelancers during the legal basis in the BGB is clearly regulated, depending on the agreement between client and Freelancer. Here, it is advisable to consider thoroughly contracts, in case of doubt with legal support. In addition, the conclusion offers special liability policies to, negotiated with the insurers for individual industries. For IT professionals, we recommend, for example, an explicit IT liability insurance on our online portal.

This IT liability is specifically elaborated on the needs of IT professionals, who are their customers as a service provider to the page. And it includes of course not only the legal, but also contractual liability basis,”explained Lutz Groot Bramel. Gladly we check existing insurance contracts by freelancers and submit if alternative proposals.” Industry-specific solutions also should check thoroughly freelancers of other industries, which risk their professional liability actually protects. So, often all risk areas or individual areas of activity per se from liability are excluded for engineers who are working as planning professionals for changing contractor or advisory. For engineering, it is a suitable very hard, at all To find”professional liability reported Lutz Groot Bramel. A meaningful liability for engineers specifically geared to the challenges of high risk industries like the specialty mechanical engineering, medical technology or the aerospace. We offer an explicit liability of the engineer freelance engineers with comprehensive risk protection and without any occupation exclusions for legal how contractual liability basis.”.