When concluding insurance contracts, sometimes extensive health questions have to be answered. This concerns in particular the occupational disability insurance and the health insurance.

In this article we deal with the occupational disability insurance. In the second part we dedicate ourselves to the health insurance.

Flat tire? How to react correctly!

If the tire is flat, you can hear it in the driving noises and notice the fiasco when steering. Now you should not become hectic under any circumstances, but act very prudently and calmly. Fewest accidents occur due to flat tire. When it "crashes", it's usually due to a wrong reaction on the part of the driver.

Country comparison france: work, salary and life

Art and cultural heritage, culinary diversity and the aforementioned savoir-vivre, the French way of living and enjoying life – France has a charm all its own. But what is it like to live, study and work between the Mediterranean and the Atlantic??

Very few people think about taking care of joint insurances after a separation. A separation usually means a serious emotional breakup. While it is limited to the emotional life of unmarried couples, in the case of divorce, there are also financial and legal aspects to consider. To avoid legal problems with health insurance, for example, you should also pay a little attention to the topic of insurance in the context of separation.

The most important facts in brief

  • Spouses who are covered by family health insurance must take out their own health insurance upon divorce.
  • The pension equalization also takes into account private pension contracts.In many policies only one spouse is named as policyholder.
  • In this case, there is no insurance cover for the unnamed partner after the divorce.
  • For the new apartment, the existing household insurance covers both apartments for a certain period of time.

Health insurance: Observe compulsory insurance

If both spouses were employed, there was also automatically an independent health insurance policy. Depending on income or employment status, this may have been private or statutory.

How to install air ride suspension

Air Ride Suspensions are incredibly versatile suspension systems that are selected for many different vehicles. Trucks and SUVs carrying heavy loads often use variable air suspension struts to balance the load and maintain the correct ride height when depressed. Air-ride suspensions are also used in special vehicles that lower the vehicle at will, but still maintain a normal ride height. They can even be used in the average car to give it a smoother ride.

All types of air suspensions are fairly similar, even across a wide range of vehicles in which they are used. These air systems typically include an altitude sensor, an air bag and air strut, a compressor and air lines.

Private health insurance students: Students have the option to choose between public and private health insurance, depending on their personal and family backgrounds. This means that students belong to the privileged group of those who can take out private health insurance without having to prove an income above the compulsory insurance limit.

Private health insurance students: Request a free comparison now

Depending on their family situation, they no longer fall under the family insurance of the statutory health insurance, but can change to private health insurance. This change is final for the duration of your studies.

The earnings potential of a private pension insurance policy depends primarily on how a company invests the customer's money on the capital market. It is therefore particularly important to choose an insurer that is as financially strong as possible. Those who invest their contributions with a top provider often receive twice as much pension as with a weak company. Taking into account the long term of a private pension insurance, the choice of the insurer decides on a small fortune. The test reports from rating agencies, trade journals and other independent institutions provide consumers with an important overview of the best current offers.

6 times the mark "good" at Stiftung Warentest for private pension

Private pension insurance in the test

In its 10/2014 issue, the magazine Finanztest examined a total of 39 offers for private pension insurance. In the case of the policies tested, customers receive a guaranteed pension commitment at the beginning of the contract. Only classic products without free fund investment were considered. A test from 2016 or even 2017 does not yet exist at the current status.

A basic capability insurance usually pays according to the so-called. Simple ability catalog. For the purposes of this catalog, a monthly pension will be paid if there is an immense impairment as a result of an illness, accident or loss of strength. For physically active persons the basic ability insurance is a comparatively favorable form of the work power insurance. In addition, it is partially tax deductible and easy to understand. Abilities and basic abilities include u.a. also walking, standing, talking and using own hands. With this insurance a basic coverage of so-called basic abilities is realized.

Exemplary ability catalogs

  • Vision: The insured person cannot see out of either eye. the remaining visual capacity per eye must not be higher than 1/25 of the normal visual capacity.
  • Speaking: The insured person is unable to speak. That is, he or she is not capable of pronouncing any intelligible word.
  • Orienting: The insured person is unable to orientate themselves in time, place and to their own person.
  • Use hands: The insured person is not able to use a writing pen and operate a keyboard with either the left or the right hand.

Basic capability insurance Capability catalog 2

For a carefree vacation

Anyone planning a trip should also think about appropriate coverage for possible risks that could cause trouble or unexpected costs.

I would like to present a short description of the often widely underestimated asset "own labor".

In the simple calculation of an average earned income without inflation, salary increases and other changes, one quickly reaches a sum of far more than one million euros.