Monthly Archives: June 2019

Save on your health insurance

You can easily compare the health insurance premium on the internet. Based on your personal situation you can find out online which health insurer offers the lowest premium . You can also adjust the deductible. Tip: by ‘playing online’ with a different deductible you immediately gain insight into the influence on your premium.

Look critically at additional insurance policies

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Do you not expect high costs for, for example, a dentist, physiotherapy or alternative medicine? Then you do not have to take out additional insurance for this . It is wise to always keep some money behind for unexpected healthcare costs.

Choose consciously for your deductible

Choose consciously for your deductible

If you opt for a higher deductible, your health insurance premium will be lower. Look critically at how much care you need in a year. For example, a healthy person can increase the deductible . Even when you increase your deductible, it is wise to ensure that you always have money in hand for unexpected healthcare costs.

Collective health insurance cheaper?

You can get a premium discount with a collective health insurance policy. Examples of collectivities are: a professional group, employer or a patients’ association. Because health insurers can bring in a large group of customers, they give a discount on the health insurance premium. Please note: with a group you are bound by a specific health insurance policy. Other health insurance companies (without group discount) may still be cheaper. So compare your collective health insurance with other offers in the market.

Consider the deadlines

If you want to change something about your health insurance , you have to keep an eye on two dates.

  • You can cancel or adjust your current health insurance policy until 1 January.
  • Then you have until 1 February to take out a new health insurance policy .

Many people wait until the last moment to switch from health insurer. Make sure you have enough time to sort everything out and arrange it. Tip: make sure you have arranged everything before 1 January 2019. This deadline is easy to remember and you do not run the risk of being late.

Cut back on your health insurance, how not to do it

Cut back on your health insurance, how not to do it

Immediately opt for the lowest healthcare premium

By only looking at the lowest health insurance premium, you can be faced with unpleasant surprises. To lower the premium, insurers sometimes make exclusive contracts with healthcare providers . It is therefore good to first check whether the preferred healthcare providers have a contract with the insurer.

Take a deductible too high

If you take a too high deductible, there is a chance that you cannot pay a high bill. To determine whether you do not take a deductible excess, you must consider whether you can pay an unexpected health care bill of, for example, 885 euros (maximum deductible) in one go. Is this not possible? Then you better opt for a lower deductible.

Non-supplementary insurance, while this is necessary

By not insuring yourself for the care that you do need, you can incur high costs. For example, if you expect high dental costs or run a higher risk of sports injuries, then it is advisable to take out additional insurance for this. In many cases, the lower premium by not taking out supplementary insurance does not outweigh the costs that you have to pay yourself.

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.

What is Compulsory Traffic Insurance?

Compulsory Traffic Insurance is a type of insurance that must be made to understand from the name you are browsing for all motor vehicle traffic in Turkey. Vehicles that do not have Compulsory Traffic Insurance cannot enter the traffic and if they do, their vehicles will be banned from the traffic. This situation has various penalties. This insurance is only valid in the Republic of Turkey and encompasses our country. What is this compulsory insurance? What happens if not? What are the penalties?

 

What is Compulsory Traffic Insurance?

It is a kind of insurance that all the vehicles coming to traffic have to have. However, this insurance is not an intermediary, it is a type of insurance that covers the material and physical damages that occur on the other side in case of an accident. The compulsory traffic insurance does not cover the damage that occurred at the time of the accident. It ‘s Casco that covers your losses.

Those who do not have traffic insurance or who continue to go out of traffic without renewing after the expiry of the term are banned from the traffic, the vehicle is connected with the phrase between the public. All vehicle owners are obliged to take out this insurance and follow up with the following procedures. Traffic Insurance is made separately for each vehicle and must be renewed every year. Vehicle owners are also responsible for all these operations.

The vehicles of the vehicle owners who do not follow these procedures are taken to the safety parking lot . Of course, the longer you wait in the process, the more harmful you are. During your stay without insurance , fees such as delay hike and parking allowance will have to be out of your pocket.

 

What Does Traffic Insurance Cover?

What Does Traffic Insurance Cover?

Traffic Insurance covers accidents, injuries, fatal accidents, and property damage. However, the rates they will meet vary each year. In addition, the insurance company’s insurance policy may meet different situations and may not meet different situations. When you take out insurance, you should investigate and learn your rights well.

In the event of any loss of life in the accident, the relatives of the deceased are paid certain amounts of money. This will be a different amount than the money paid to the injured and hospitalized person. You should investigate the policies well, as these amounts vary each year.

This is the general summary of Compulsory Traffic Insurance. Traffic insurance covers the damage to the other party if you think that I do not need to do wrong.

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.