Monthly Archives: June 2019

Sick message to the health insurance: You should know that

Flu, fever, stomach upset – who is seriously ill, should not go to work. In order to avoid a dispute with the employer, you should comply with the obligation to register. You must submit a sick report to both your employer and your health insurance company. In case of anger, a professional legal protection can also help you. Here you can find out more about the right procedure in case of illness.

The health insurance is not informed and now trouble with the boss? That does not have to be 

Sick leave: Health insurance must be informed within the deadline

Sick leave: Health insurance must be informed within the deadline

Sick? First inform the employer.

If you are sick and can not go to work, you must first inform your employer as soon as possible. After all, there should not be any trouble with the boss. A certificate of incapacity for work is required by law after three days and must normally be available no later than the fourth day. Your employment contract may invalidate this rule. In principle, employers are entitled to demand a medical certificate even before the period of three days, as a ruling (5 AZR 886/11) of the Federal Labor Court confirms.

In addition to the employer, you must also inform your health insurance company about the illness if it leads to incapacity to work. Again, deadlines apply. If you do not comply with these rules, for example, if you are entitled to sick pay, your payment may be suspended. The so-called submission deadline of the medical disability certificate at the health insurance is set in § 49 Abs. 1 No. 5 SGB V to one week after the beginning of incapacity for work.

Send the medical certificate yourself to health insurance

Send the medical certificate yourself to health insurance

As a rule, the doctor informs your health insurance company, as the HealthBroadcasting explains in a report on the topic. Tip: Make sure that there is a note about the notification on the certificate. If this is not the case, you should tell your doctor.

Are you a freelancer or self-employed? That’s why a professional protection is worthwhile for you! 

If you send your sick report yourself to your health insurance company, you should always do so by registered mail, so that it does not come to trouble after a possible loss by post. This also applies to the certificate your employer receives. The correct address for your health insurance can be found, for example, on the company’s homepage.

SMS Loans “immediately” to Everyone

The internet time has brought the possibility to apply for a loan at any time and practically from anywhere. This is doubly true for so-called SMS loans or loans to pay . But can this product really provide the applicant with an “immediate” account?

With the expansion of the Internet and online services, there has also been a big shift in the world of loans. In addition to traditional bank and non-bank loans, loans before the payout started to appear on the Internet at some time. The applicant applied online for the first loan via an online form, if he repaid the first loan on time and could request another loan by sending a simple SMS message – hence the SMS loan.

First Online Request – Examination of Applicant

Online loan

These loans are often referred to as SMS loans immediately , but it should be said that the word “immediately” is more likely to be applied to repeated requests. For the first loan you apply for via the online form, your credit provider must review your creditworthiness. It depends on the creditor, how thoroughly he will want to check your repayment – someone will need a completed registration form, another will contact your employer and inquire about your salary.

In some cases, a “paper” receipt may also be required. In any case, the execution of the first loan may be somewhat longer – for a few hours or even a few days. However, you can submit your request at any time – nonstop – by day, night, weekend or holidays, and you do not have to wait for the next business day morning to complete the form.

Repeated SMS loan immediately

Repeated SMS loan immediately

If you repay the first loan in a timely manner, you will gain the trust of the creditor company and no longer need a lengthy confirmation to obtain a second loan – you just write a text message in a specific form and the system will send you money on account. In addition, if you have an account with the same bank as your creditor company, you may lose your money during the weekend. So here you can talk about the so-called fast loan “immediately”.

Loan up to CZK 50,000 immediately

Loan up to CZK 50,000 immediately

Online loan application without paperwork
On this page, choose the loan amount, register here and get a loan without formalities up to 50,000 CZK . Repeated loan at any time!

Cons, or what to watch out for

Cons, or what to watch out for

The main disadvantage of SMS loans is the high APR – annual percentage rate of charge. This number tells us how expensive the loan is to us. Its amount depends not only on the amount of interest, but also includes any possible additional charges that may accompany the loan.

Before you decide on any of the loans, find out not only the amount of interest and necessary fees, but also the amount of individual installments, their due dates, the total payment schedule, and what are the possible penalties for non-compliance with this payment schedule. The decisive factor is the amount by which you will overpay the borrowed amount.