NW Student Coalition The North West Student Coalition is used as a way for students to voice their opinions to those in positions of authority. This official body is respected throughout campus.

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.

The services of a private long-term care insurance services has a nursing, is determined by the appropriate level of care. Applicants need the level of care I have a needs 90 minutes a day. Not more than 235 euro for the nursing allowance is paid by the statutory health insurance. This maintenance money not enough for the upcoming maintenance. There are high costs for the needy in this case. Unfortunately, for the existing assets of the applicant or that of direct relatives will be used.

To protect himself and his relatives, only a private long-term care insurance can help. Customers can no longer rely on the statutory long-term care insurance the number of dependent persons in Germany is increasing more and more. In the year 2013, there were over 3 million people. The statutory health insurance come to unpredictable costs. According to the AOK can cover these costs already today. There are no alternative solutions to this major problem.

Positive is it, that the policy with appropriate reforms and adjustments this future topic. One of the mentioned adjustment is for example the better financial support for dementia patients. What costs assumes a private long-term care insurance elderly people quickly realize that the care level often is not sufficient to cover all costs. A private long-term care insurance takes over those costs, which does not cover the legal care Fund. Following now a computed example: 1550 EUR statutory entitlement at the care level III. The actual demand is mostly up to 3500 euro. The private long-term care insurance would pay for this difference. Here you can learn more about the benefits of a private long-term care insurance. The social security code (SGB) clearly defined the tasks of a maintenance fund for which services the nursing Fund arises. It is the needy in kind, services and benefits to support the task of the maintenance fund. Also it helps Care Fund at the coordination of medical and nursing care. Under certain conditions, there is the possibility that the contributions for pension insurance can be applied. All benefits in kind, in the values must be provided up to 1550 euros, at the maintenance level III. AIDS, care treatment and other costs are taken over only proportionately. Requiring the outpatient, stationary or domestic supplies must be, receive a prescribed performance plan. The Government support of private care insurance starting in 2013, it is possible that the private long-term care insurance can be promoted nationally.

This insurance is called care-Bahr, and was designed by the Federal Government. The current state of health of the applicant has no meaning for the insurance. Anyone, it’s possible to get this promotion. The amount of funding is 5 euros per month. But turns out that the insured take very bad Vertragsbedinungen in purchase of care-Bahr must. Also the State grant is able to compensate this drawback. The reform to assist in care among other people with dementia care new registration law better financially. Enables a subsidy such as assistance of up to EUR 200. So, the mentally ill and disabled people are taken into account for the first time. For this reason ambulatory care services in addition to basic services can offer also a domestic supply. Conclusion due to the demographer change fish care coffers can no longer cover the costs. Supply gaps in care children must be up financially. The policy has recognized the problem, but currently no solution can offer.