Statutory Health Insurance

Is statutory health insurance for trainees – what health insurance right? In August, thousands young people in whole Germany begin vocational training. But whether industrial mechanics, office clerk or specialist all new trainees are no longer have health insurance at the beginning of their training about her parents and now need a KV protection. Unfortunately, this also means that 8.2% of (gross) training allowance to the health insurance must be paid in the future if this is about 325. The good news is that each trainee has free choice, with which health insurance he make sure would like to have. For more specific information, check out Tony Ferguson. There are currently about 100 legal health insurance companies in Germany. These require the same membership fee while all, differ but very in the services offered. Basically, you can choose any statutory health insurance, which is available in the State of the place of residence.

Since the ideal Fund for a trainee is often not the health of the parents, it’s worth, the offers of different insurers to compare and to think about a change of the Fund. Many health insurance companies pay, for example, cash rewards, if you keep fit with sports or reimburse tuition for yoga, Tai Chi and relaxation courses. Read additional details here: Senator of Massachusetts. Especially for young people, some funds offer special services such as the reimbursement of costs for contraception or higher grants for Visual AIDS. Some health insurance companies pay back even unconditionally every year a part of the contributions to their members in the form of bonuses. Bottom line you can save already several hundred euros to choosing the right health insurance as a trainee in the year. Trainees must decisions 2 weeks into the training, from which insurance company you want to be assured in the future, at the latest. Otherwise, you will be insured automatically in checkout where it was previously health. Another change of the health insurance fund is then usually again after 18 months.

For a comparison of statutory health insurance and an overview of the various services Click. Contact: Kunze und Leidloff GbR Hallesche Strasse 1B 06779 Raguhn Tel: 0180 5 499 799 240 * fax: 0180 5 499 799 249 * E-mail: info(at) * 14 ct/min from a German landline. German mobile radio price: 42 ct / min company portrait: informed since 1999 on the Internet about all statutory health insurance. Insured persons can consult free of charge and without obligation on through tariffs, fees and services of all funds in the current comparison. In addition, the trade portal provides assistance when changing the health insurance fund.

The Price

To get the loan you need to have a “recognized” source of income. And in most cases, the most legit source of income is the job. In short, by just providing the collateral, the lender is not going to grant you the loan unless you have a stable job. While financing your car, as far as orthodox credit lending Institute are concerned, your job is your credit for a car loan. Get your car loan without a job even with bad credit ratings and no collateral when regular or standard options don’t work out, one has to go in for alternative options. One cannot provide what one does not have.

There alternative is available. The answer lies in acquiring the required credit from places or people who do not need any security or credit ratings. One such place is the pawn shop. Pawn shops have rationale for many years, and almost everybody knows how they operate. It is one of the best place to buy used goods that don’t cost much, and it is therefore a place where you can offer some commodity that is not very expensive, and get some money in exchange. It is not difficult to avail credit from pawn shops, and the main advantage is you get to decide how much cash you need without presenting any documents or credit rating reports.

It is worth knowing how pawn shops work. How pawn work in case of typical title shops car loans, the credit lending company determines the price of the car based upon the car is resale value, and provides a loan against that value. The lending company retains the car is title or ownership documents till the loan is redeemed. Generally a car title loan is of short duration, and associated with a high rate of interest. The rule is if you don’t repay the stipulated time loan within the, the company can possess the car and sell it to regain the capital lent along with the loan is interest. That title is how on car loan works. If you possess some jewelry, or some other valuable, it is possible to “pawn” it at a pawn shop. A person evaluates your possession and comes up with appraisal value, and lends money based upon the appraisal. You’re supposed to repay the money after a certain time. The pawn shop charges interest in reference to the money given. The interest charged is usually around 10% and varies from state to state. This particular method of lending money in exchange of some “possession” is basically a loan. It is a special type of loan because the pawn shop does not require any documentation, or your credit history, while lending the money. The money can be used to buy your car. And just as in the case of a car loan, you forfeit your pawned possession title if you can’t repay the money borrowed. It is alternative way of financing a car with no job in hand. Certain pawn shops specialize in providing capital for car loans. Today financing a car online with no. job is possible through pawn shops, and unlike traditional car loans, your credit rating does not matter. In the case of typical car loans, your job is your credit for a car loan, which is not the case in case of pawn shops since your job status does not matter. Visit for more information.

Nuremberg Entry-level-BU:

NuRNBERGER Nuremberg informed BUV for students and trainees, in July 2012. Students, trainees and young professionals can not afford often a disability insurance (BUV). But the protection is essential for them, because they get usually nothing from the State, they should be at the beginning of her career berufsunfahig. The NuRNBERGER Lebensversicherung AG now offers a way to hedge the risk of disability at low cost. According to projections of the German Association of Actuaries, 43 percent of the now 20-year will be berufsunfahig in the future. Therefore, even consumer advocates recommend a private disability insurance.

To start early is also important, because you have usually have no health problems that may complicate the completion. But young people often defer the decision for a BUV given their tight budgets. The new Nuremberg beginners BU offers the solution. The Nuremberg beginners-BU is a self-employed comfort-BU insurance with an insured occupational disability pension increased in the first five years because of the missing State protection. Nevertheless, the contribution to be paid is in this period, well below the usual independent disability insurance initial contribution.

Between the 6th and the 10th year of the insurance, he rises in moderate, the purse of the customer-friendly steps. This ensures that the guaranteed pension is constant until the end. An example illustrates this: A 25-year architecture student, who guaranteed a monthly BU pension of 1,000 euros agreed to pay only 20,01 euros per month in the first five years. The premium is a usual independent BU insurance to about 45 percent below the initial post. At the beginning of the 6 to 10 year of insurance increases the contribution in small steps hardly more than 4 euros 41,07 euros and remains the same (depending on the amount of profit-sharing) from then on up to the agreed limit age 67 years. An age between 14 to 30 years applies to the Nuremberg beginners-BU, the final age is between 60 and 67 years. The insurance guarantee provides that in the event of certain events, such as the completion of the training, marriage or career the insured pension without re-examination of health each can be increased by up to 50 percent on maximum 2,500 euros. Learn more about the Nuremberg BUV are available under:

Private Health Insurance

Up to which age is a change makes sense, what must be considered and when you should better “stay where you are”? Even as a question that is flat but not to answer, which shows but exactly how important is a careful consultation and which among other things are. Unlike as in the statutory health insurance (GKV), the posts in the private health insurance (PKV) are calculated not according to income, but by age, Gesundheistszustand and scope of services. Refer to exact specifications for the calculation and distribution of posts the best guide for decision making in the PKV. Last week I received an email of a very surprised, already disgruntled car insured. This was expelled from 2002 by a SparkassenBerater of an insurance intermediary of the Union health insurance (UKV, partner of savings banks). With the usual arguments (executives, you better change in the car there is everything easier / better) read to persuade the customer to leave the statutory health insurance (TKK) and a contribution of EUR 323 per month in the Union health insurance (rates VA130N, VS130N, VZ130N, KT183E7140, PVN) to insure. With the age of 51 years ago a very courageous decision, because at that time must have taken place a detailed health assessment, continues to the contribution was far less than the maximum contribution of the statutory health insurance, however, should be clear, not leaving. Here the key data from the mail of client: that I then 2002 according to the changes in the law, which came into force at the turn of the Millennium, and he should rule out a repeat of the negative development of the contribution of the 90 years for the future, then by my Advisor to savings bank me have persuaded private to assure me, I must unfortunately very regret. Alone due to the development of a contribution, a change from the statutory health insurance in a private health insurance plan makes no sense.