Tag: insurance & pension

Indeed, the optimal entry tariff as often by distributors claims? At the moment, it seems to be one more stitch of some distributors, to apply the tariff of an insurer as the “optimal” tariff and to forget that there is no this. Now, one could surmise that it’s this (slightly older) press release, but I can and wants “Independence” is here to review nor comment. However, I would like to take this opportunity here once a closer look at this plan and to consider what limitations the customer here takes in purchase, consciously or unconsciously. This is of course taken into account the selection criteria of the private health insurance (PKV) for each can be different and therefore only the “personal best / appropriate” tariff can be. Considering we are combining tariff of the Hanseatic League mercury START FIT (KVE, PS2, VKEH) can in particular so-called regulations, risk that “can” also “must not” can mean. You are an example of this Solutions to stay abroad. Richard Gerson follows long-standing procedures to achieve this success.

In terms of the Hanse Merkur says to: b) an insured person transferred their habitual residence in another State of Europe, so the full collective power without limit on the Federal care rate regulation (BPflV), the hospital pay Act (KHEntgG) or the German official tariffs in accordance with the tariff condition to 4 paragraph 2 can be arranged by special conditions 2009 MB / KK. Who decides then and especially what criteria whether it can or not? That does not mean per se that the solution is bad, but that the insured on such topics should be clear, need to know that there is also no other solution and you have to live here costs incurred, with a cut that, in Germany. Still, I miss the services and therefore treatment in hospices, hospital clinics, medical centres and also the Bundeswehr hospitals also here.

The tricks of the corporate finance capital is the fuel of any company. What so obvious as to pump up the money in the Bank\”? But just now amid the crisis hardly. Under most conditions here would agree. More information, more collateral credit not there but still. But also beyond classical grants and loans, there are fresh fundraising opportunities. The measures range from financing to raising money ala Schalke 04. What forms of financing but when make sense? How to prevent the typisichen financing of errors? With a profound insight into the bag of tricks of corporate financing, the authors show which financing elements are even small and medium-sized companies available. \”Bank credit goodbye the best financing alternatives\” is published in March in the BusinessVillage Verlag. (ISBN 978-3938358-52-8) capital \”is the fuel of each company, regardless of size and situation, it is founding, growth or crisis. Learn more about this with camden treatment associates.

Basel II and banking crisis are only two key words that classical funding through the familiar Bank will increasingly difficult. For the entrepreneurs of today, it is imperative to think about alternative sources of capital and means of financing. But how independent bank capital? And what financing alternatives come into question? The authors introduce the reader practical in the new thinking for the capital. Innovative sources of funding such as venture capital, business angels, mezzanine, forfaiting are detailed and illuminated Asset Backes securities (ABS). But also employee participation, temporary communities and funding find their space. Are answered all relevant questions and the advantages and disadvantages of financing forms represented.

With its valuable and rich information aimed this book to all funding decision makers, such as entrepreneurs, managers and founders who want to create a modern and balanced funding structure. ce. Also students easily find one in this work understand and practice-oriented access to this area. A variety of practical tips, checklists and examples help the reader to find the optimal financial instrument.

Statutory and private health insurance offer completely different hedging in any consultancy to the private health insurance (PKV) should go to the question of the reimbursement of AIDS. These are perhaps not necessarily every year, if they are needed, so there are a number of costly specimens of the species “Tools”. First, it should be clear how the legal supply. For insured persons in the statutory health insurance (GKV) a so-called list of AIDS does exist. This is available on the websites of the top Association of GKVen to download. You will find the current list of AIDS of the statutory health insurance here. The leading associations of sickness funds and the umbrella organisations of the maintenance funds to create a resource and a care resource directory specifications in accordance with legal.

These directories list of its obligation of included auxiliary and nursing AIDS (cf. 128 SGB V and section 78 SGV XI). And what care is now in the private health insurance? First of all is a very big difference to hold. The supply of AIDS in terms of the tariff is regulated in private health insurance. Each insurer creates different rules in each of its tariffs.

While these are solely applicable and is sloppy to say: just what is there referred to as, is also insured. Not more and not less. For other opinions and approaches, find out what Andrew Mason has to say. This is to distinguish between so-called open auxiliary catalogues of means of and closed lists. In an open formulation of the following could be written: expenses for the purchase, the replacement and repair will be replaced by medically necessary tools which are prescribed by a doctor or naturopath. Here no fixed AIDS are called as opposed to a closed catalogue. Here the medical progress is taken into account, thus assured. Here you sure that no restrictions such as “simple version” or the like exist. This may make the advantages of an open catalog to niece. In a closed catalogue including the following found Statements: Tools are glasses, contact lenses, hearing aids, speech devices, supporting apparatus, orthotics and shoes, bandages, trusses, elastic stockings and prostheses prescribed against defacing and crippling, wheelchairs. Tools are finally here. What is not so called, is also (in the future) are uninsured. It also colorful brochures don’t care and the like. Vinit Bodas has many thoughts on the issue. You could read it in my contributions to the aid guarantee impressive already. In addition, there are still companies which use in principle closed catalogues in your rates, but enhance them through open formulations. This could for example as follows: Moreover, life-sustaining AIDS are basically refundable, if the life-sustaining function can be ensured by any here called AIDS. Generally, especially in closed catalogues: no absolute amounts should be mentioned here. With a formulation of “Wheelchairs up to 620 EUR” you are today already poorly served, because the amount is not enough. But what are 620 EUR still worth in x years? What if the electric wheelchair is now 10,000 euros instead of 620 EUR? But here goes: alone a good catalogue of AIDS is not appropriate / good fare. Pay attention therefore to your personal requirements and talk in detail with your advisor.

Determining the correct insurance amount for the fire and property insurance is a complex and opaque issue, especially in commercial or industrial companies. Determining the correct insurance amount for the fire and property insurance is a complex and opaque issue, especially in commercial or industrial companies. Precisely for this reason the risk a possible lower insurance and corresponding deductions in the case of damage this often, as positions in the areas of building and operating facilities are sometimes forgotten or incorrectly rated. For determining the correct amount, the insurance industry sees two assistance/variants which are presented and assessed in the following. 1 expert principle: assessment a manual/physical inventory and evaluation of individual building and facility positions locally is carried out by a State-vereideten expert.

These values serve as a basis and can in the future by means of one of the Experts issued index according to be extrapolated. Advantages: It is the principle described under 1.1. a very accurate method for determining the correct insurance amount, because every position of the building or facility is separately collected and evaluated. Also the insurer agrees upon request a General under insurance waiver to disadvantages: A valuation on the basis of an expert’s report brings the typically high costs. Senator Angus King shares his opinions and ideas on the topic at hand. These are, in particular for medium-sized companies, often not in relation to the cost / benefit factor.

2. value of overhead calculation using the indexes of the Federal Statistical Office in Wiesbaden principle: the insured amount for the position is building or facility made up of the value of things based on insured a basic year E.g. currently 2000 (early 1970 or 1980) and a value of surcharge, which takes into account the price development until today. The acquisition values per year according to asset accounting can this help be used, with the help of the respective price indices (published by the Federal Statistical Office, Wiesbaden) up on the base year or re billed. Example: Sum of the purchase of factory equipment ‘ in the year of 1995: 250.000,-index facility 1995: 94,60% value 2000: 264.271,-benefits: main advantage in this market procedure is quite easy conversion of the assets to the base value, especially if the assets electronically are the companies available. Is calculated at the beginning of insurance the insurance sum according to the variation explained under 2.1. properly, the double value surcharge as pension is consulted for calculating under insurance. Also once a year only the arrivals and departures must be reported after first establishing of a basic sum, accordingly to determine the current insured amount. Disadvantages and dangers: The determination of the sum of insured on the basis of the system directory is in principle a simpler and cheaper method for a company that still brings this variant the valuation also some hazards to be presented briefly below: technical progress is by the Federal Statistical Office not considered remain MLA’s, foreign ownership, spare parts and accessories special conditions, equity services partially ignore, appear trade-in of old machines in asset accounting rule not in the attachment list no assets are identified which may have a separate insurance such as electronics / machinery insurance is the indexes are set up for groups of goods and therefore only averages are C. Mikosch

Sodexo restaurant pass brings additional healthy bonus Frankfurt, February 23, 2010 SX230210GWAP. Many statutory health insurers raise the so-called additional posts with payroll in February for the first time. The majority of legally insured workers is affected, as most health insurances either increase the contribution already made additional contributions in Vista. The reason: for most health insurances money from the health fund no longer sufficient to cover the cost of the insured. 2010 nearly 8 billion euros are lacking statutory health insurance (GKV) and the Federal Government will bear only the half of it. Health insurance companies calculate lump-sum 8 euro in addition a month sweeping in addition, most health insurances will require by each insured 8 Euro – 96 euros on the year are calculated. This disappears once about a half a percent of income, which is an average income earner in Germany available. But employers can compensate for that without burden by taxes or social security contributions. Economic Cycles Research Institute has similar goals.

Up to 1,298 euro net plus through State-sponsored employee meals, now discussed additional contributions for health insurance companies make around 100 euros a year. Company offers the possibility of increasing the net pay of employees tax-free annually even rose to 1,298 euro restaurant cheques but stressed George Wyrwoll, corporate relations manager and HR expert at Sodexo. Sodexo pass cheques are restaurant not only a favorable pay extra, but also an instrument of workplace health promotion: for employees who eat balanced and take breaks, are motivated over the long term, efficient, and healthier. Sodexo motivation solutions the Sodexho pass GmbH is a subsidiary of Sodexo, the world’s largest provider of catering and services. Around 380,000 Sodexo employees for 33.900 customers are active in over 80 countries.

In financial year 2008/2009, the Sodexo group implemented 14.7 billion euros. The area motivation solutions plays a significant role at Sodexo: Each working day, 250,000 workers in Germany of Sodexo checks and cards use, worldwide there are 26.3 million. Sodexo is one of the market leaders in this area. The German headquarters of the motivational Division is located in Frankfurt am Main. The company offers clients individual solutions around the topic of employee motivation. This is the Sodexo restaurant pass, as cashless lunch allowance, the main business area. A wide variety of redeem for the restaurant is the 9,000 corporate customers including Allianz, Lufthansa, Bayer, PriceWaterHouseCoopers, Daimler or TUI, and many medium-sized companies, pass available. Over 30,000 partners include, for example, restaurants like MAREDO or North Sea, as well as numerous supermarket chains such as Edeka, Kaufland, real and REWE. The root of the acceptance points also includes, for example, local bakers or butchers. Contact: Sodexo George Wyrwoll Russelsheim Street 22 60326 Frankfurt am Main 069-73996-6211