The health system in Germany saw significant changes within the last few years. There were cuts, but also new consumer opportunities for it since 1 January 2011. (A valuable related resource: Douglas Oberhelman). The barrier to entry to the private KK has been reduced a little. The change is so interesting for more and more citizens. The list of private health insurance is however long. Before choosing a particular private health insurance, the price comparison is therefore generally recommended private health insurance companies. In addition, there are other points to keep in mind. Private health insurance companies have very different tariff structures, therefore, is to make private health insurance companies not only on the posts at the price comparison.

Most importantly, what gets the insured person at the respective company for his monthly contribution. The tariffs differ in particular through services and combinations, as well as the deductible. To find the individual the best rate, it is advisable that corresponding offers a closer look under the Magnifying glass to take. First you should clearly be about which are most important for the personal demands on a health insurance. These you can put together in the next step and compare the prices at the end. This should be seen separately for different values of the excess contributions. In the thorough comparison of all private health insurance is not only a great saving potential, there is also the decision for a specific range of services for the precious goods of own health.

Binding to a health insurance should be entered as possible in the long run, because a later change may bring losses to another company. Private health insurance consists of five components, all of which should be separately included in the. Every man for himself must decide on which component the customer wants to place the highest priority and which has less meaning for him.Comparison of private health insurance the first and likely very important for each Member of the module is the out-patient protection.

The necessity of building insurance there is now a plethora of contingencies against which one can insure. The need is not always directly apparent, and in some cases, this is also not given. Building insurance can say but clearly and rigorously, that this is a compelling need for all homeowners is. The building insurance insures the damage to a residential or commercial property with regard to the building structure and not in regard to the establishment. Home insurance is responsible for this. However, it is a fact that just the damage to the buildings cause immense costs, whose regulation you can pay out of Pocket not easily. The roof is damaged in a storm, so several thousand euros must be paid for this purpose, even a complete demolition of the House of distress can be a fire. As a result by itself, that you need an insurance against such claims and this offers now only in the form of the buildings insurance.

Usually insurance the insurance of damage caused by unforeseen disasters is the building, as they represent a fire or a storm. Also hail damage or water drops that often the House with large and expensive equipment entail a complete drying, be taken into account in building insurance. In addition you still risk starting from further natural disasters, such as earthquakes or avalanches, hedge can all claims, whose regulation result in considerable costs. For the home owner the importance of building should opens before these backgrounds self insurance. But not only this, but also the lender for the House has a legitimate interest in the insurance of the building. Significant damage is at the House by one of the insured conditions and there is no insurance, so the regulation on their own can the owner in the Result in insolvency. Or but the House is completely uninhabitable, so the credit continues to run, while no equivalent as security is more available. Therefore insist all banks with lending on the proof of the existence of a valid and regularly paid insurance building.

EUR/USD for the first time under 1.40. The euro falls to a 8-month low against the US dollar. Falling risk appetite in financial markets, new EU bank stress tests, as well as fiscal problems in Greece and Spain weigh on the euro. The European single currency falls below EUR/USD 1.40 after the meeting of the Offemarktausschusses fed in late US trading on Wednesday. The time of the euro as the euro in currency markets seems to be past. So, the euro against the pound has lost more than 5% in the last few weeks.

The pound rate against the euro is currently at 0.86. 100 pounds were still 98 euro worth approximately 13 months ago. The falling EUR/USD exchange rate but never shows strength of the dollar. The US economy is still attached with an almost unbearable for the United States unemployment rate in the amount of 10% and a slow economic recovery. The unemployment rate in the euro zone, so the countries where the euro is the currency, is also 10%, but not so deep fall into Europe as a result of the social security systems such as in the United States. The The downside is that it lags behind the United States in economic growth in times of economic recovery. Is now recognized by the European Commission and the Commissioner for currency, that there is a problem in the euro area, if the Greek Government must pay more than twice as much interest as the Federal Republic of Germany. Due to the creative Greek accounting and Statistics survey, the problems occurred long time not for days and were largely ignored by the 2009 recovery on the stock markets.

Interest rate on 10-year Greek Government bonds. With a debt of more than 12% of the budget of the Greek Finance Minister can be glad, at the current rate of 7% for 10-year Greek Government bonds any more money beyond the usual”to get auction placement of government bonds. The German – and French Finance Ministers pay less than half on interest on borrowed capital with 3.2% and 3.5% respectively. A recent Chinese study says that to Greece as too risky classify and recommend you to invest in US Treasuries. Within euro zone’s fiscal problems are not limited to Greece. Spain and Portugal had to also observe a high rise in their respective borrowing interest rate. The renowned Economist Nouriel Roubini said Spain could become a much bigger problem for the eurozone as Greece. Roubini was one of the few economists who correctly predicted the financial crisis. For the EUR/USD exchange rate this would mean in the medium term price levels between EUR/USD 1.30 1.35. Christian Tubben

AWD offers advice for dropouts from the statutory health insurance (GKV) Hanover, October 2009: for many potential drop-outs the statutory health insurance or car question 2009? highly topical. AWD has developed individual consulting concepts for drop-outs from the statutory health insurance, individually and in detail about the services and fares of private insurance companies. The offers of private health insurance (PKV) remain an interesting alternative according to data from market researchers 2009 for potential GKV-dropouts. Already in the past year nearly 9 million drop-outs by the offers of private health insurers settled according to current studies in Germany convince. This corresponds to a proportion of the total population of around 10 percent. But the private health insurance market remains unclear from perspective of the GKV drop-out due to the large number of providers, services and tariffs. Thus AWD is one of the leading financial services providers in Europe – has advice on the topic of PKV one of the current priorities of its service portfolio made. AWD is intended with a versatile range specifically opt-out from the statutory health insurance.

First, opt-out within the framework of individual care by their personal AWD financial advisors know under what conditions a switch to private health insurance is legally possible. In a second step, gives a comprehensive and detailed overview of existing car offers AWD GKV drop-out and compare their rates and services based on an integrated and individual. This AWD uses a best-select within the meaning of the client “approach to, taking into account only the most advantageous offers from renowned AWD product partners. At the same time determined AWD, which are preferences for drop-out in terms of benefits possible in private health insurance, which can include, for example, the Chief Physician treatment, accommodation in a single room, the free choice of hospital, but also special treatments such as physiotherapy, massage and alternative healing methods. The GKV-dropouts can decide independently and informed of using ready made the personal AWD consultancy data and comparisons which car model which insurance company best suits his personal expectations on price and scope of services. AWD’s Advisory services can be of course even then invoked, if not a complete phase-out of the statutory health insurance is planned, these should be supplemented by a private additional insurance but. Dropouts from a private health insurance, which would go to another company, can rely on competent and comprehensive advice through an AWD financial advisors. About AWD with 6,009 consultants and 429,100 advised customers in 2008 the AWD Group is one of the leading financial services provider in Europe is to discuss in private households with middle to upper income.

AWD offers no own products, but can the product selection on a broad product portfolio of leading European manufacturers fall back. The AWD Group’s core markets are Germany, Great Britain, Austria and the Switzerland. In addition, AWD is active in selected countries of the region of Central and Eastern Europe. With a turnover of around 80% consulting and elaboration of long-term asset accumulation and retirement pension concepts focuses on advice of AWD.