officials, self-employed or higher-paid employees have the opportunity to move from the statutory fund into a private health insurance. In principle, a change in the PKV especially for younger and more healthy people is recommended. However, the change should be considered carefully, as it may often be tied for life to the selected health insurance. In contrast to the health insurance with private health insurance have comprehensive health questions are answered. Pre-existing conditions, allergies or other health problems may be risk premiums or even a rejection of the request. The younger one wants to switch to private health insurance, the cheaper the fares.
A change in the private health insurance you should find information on the performance of the selected insurance contract, the financial situation of the insurer and the intricacies of policy conditions, before one chooses one or the other insurers.
In recent years, the "penny-pinching mentality" in the field of health insurance spread. Who aimed only at the cheapest insurance may not be surprised if the contributions even greater increase in subsequent years. Just some cheap fares are calculated very short and contain little reserve for later. In the selection of the private health insurer should of course have the price in mind as the range between cheap and expensive rates more than 100 percent represents. However, the offer price is only a snapshot and can develop in the coming years by increased contributions differently.
dangerous is the change in the private health insurance even if you have not dealt comprehensively with the performance details and conditions. Unlike the statutory health insurance system with almost identical performance across all funds, the scope of work in the private health insurance can be arranged individually. This comfort on the one side, but also the danger on the other side to take out a collective, not the vitally important benefits or contains many hidden deductibles. The rude awakening comes then in the power case, but a change of agency will often not possible or unattractive price. The more important it is to deal comprehensively with the offered rates and also explain the disadvantages of the tariff can be. If the agent does not call disadvantages of the tariff can not or will call, one should be very careful because all private health insurance but have just strengths and weaknesses.
more information about private health insurance can be found on the website www.PKV.young-insurance.de .
Bergische Assekuranzmakler
Lise-Meitner-Straße 5-9 42119 Wuppertal
Tel: 0202-317 13 155
Fax: 0202-317 13 165
www.PKV.young-insurance.de
contact for Press contact: Karsten Werksnies
Source: © Yuri Arcurs / fotolia.com
Bergische Company Insurance Brokers was founded by the graduate economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker. With the website Young-Insurance.de, the company specializes in the needs of private individuals and professionals who do not want advice from insurance agents assigned a single insurance company, but seek independent comparison calculations using low-cost and powerful quotes from companies want.
Society Bergische insurance broker has connections to more than 100 different Insurance companies. For different professional groups such as students, trainees, newcomers or certain professionals are special rates available. In addition, all other age and occupational groups are supported and informed, fair, independent and competent. Since 1998 working in the insurance industry, customers over the Internet, by telephone and by mail care of - both in the preparation of proposals as well as in the case of damage. The strength of the UW insurance broker is characterized by a very high coverage, highly trained staff and a variety of specific target groups tailored services. An individual analysis and the use of modern financial comparison software are interested and advise clients objectively and independently.
Source: openPR
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