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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


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.

Loan loan to account without CZK 1

Also, do you ever dream of having enough money and not having to count every crown? Today’s time offers unprecedented possibilities, but for most people it is not easy to afford extraordinary and sometimes even ordinary things.

If you do not spend money on a pay day on a long-term basis, a payday loan may be a solution.

Over a few days to several months, the company that borrows money on average 20-50% more. It is therefore clear that a quick loan to pay on account cannot be taken as a regular solution to a lack of finance problem before payout.

Fast Loan Loan – Money Immediately

Fast Loan Loan - Money Immediately

The domain of the loan to pay is speed. More companies specialize in these loans in the Czech Republic. The process of granting credit is usually simplified by companies so as to take as little time as possible for the candidate and the company. So you can meet in practice with SMS loans or quick loans to your online ordering account. After approving a majority of up to 24 hours on weekdays, loans are transferred to the account within 48 hours prior to payment. However, it also depends on whether you have a bank account with the same bank as the company. In fact, ibank transfers take about 48 hours and the company cannot influence this time as this is a bank side.

Well-arranged and simple offer

Well-arranged and simple offer

Most sites that offer a quick payout account are well structured and well arranged. Often you can easily set how much you want to borrow and how long you pay off the amount. Usually, the longer the repayment, the more money you pay.

Loan without income within 15 minutes

Loan  within 15 minutes

Online application for quick loan to payout
Fill out the online form and get a loan without documents up to CZK 8,000 . Money in your account within 15 minutes !

For this type of loan, it is usually possible to borrow from several hundred crowns up to approximately 15,000 crowns. If you need more money, you will also find the corresponding companies, which will then repay the installments for longer.

Loan without CZK 1

Loan without CZK 1

Most loan providers to cover unexpected costs before paying require a CZK 1 fee when requesting the bank account number of the applicant. Those who take this step “against the hair” can use one of the loans that can be done without a verification payment. Such a product is, for example, a Utang loan.

Utang Loan

Utang Loan

You can borrow 500 to 20,000 CZK with an Utang loan. The first loan is provided up to CZK 4,000 with a maturity of up to 30 days. A recurring loan can be up to CZK 20,000 with a maturity of up to 40 days. Although there is no need to prove the income nor is it necessary to send a verification fee of 1 CZK, but the registers of debtors are being checked. The application is approved within 30 minutes of the request being submitted.

Loan 100000 CZK – even without proof of income and no registry

A loan of CZK 100,000 can be used for those who are going to buy a new or older car, reconstruct a flat or house or purchase household equipment. Let’s take a look at what the offer on the market is, who offers these loans and whether it is possible to obtain a loan from this category without proof of income or with a negative record in the debtors’ registers.


Bank loan CZK 100,000

Bank loan CZK 100,000

If the applicant has a regular income and has not had problems repaying other loans in the past, he can safely go to the bank for a 100,000-dollar loan. Bank loans to non-bank customers have a number of advantages – low interest rate and APR, guarantee of solid behavior, clear contract. In the case of a car, motorcycle or household loan, many banks are able to offer a special-purpose loan that is even more advantageous than a non-purpose loan.

Disadvantages of bank loans

However, bank loans also have limitations. It may take several days for a loan to be settled, some banks require a current account to be set up and, for example, for a special-purpose car loan, a large technical certificate is required for the entire duration of the commitment at the bank.

100000 immediately and without waiting

Anyone who is in a hurry or has no provable income will have to focus his attention on non-bank loans. They are much faster and more affordable than bank loans, and the 100000 “immediately” loan is no problem here. On the other hand, there are some risks – especially for smaller unknown non-banking companies, we need to be very careful.

Ask for a 100,000 Kč LOAN Rent Now!

Ask for a 100,000 Kč LOAN Rent Now!

Even with low income you can borrow 100,000, – or more
Ask for a loan easily and without paperwork. You will fill in the online form in 3 minutes and then just wait for the loan approval and money to be sent.


Real Estate Loans

For those interested in credit who have a property they can pledge in their possession, there is a chance to get a loan of 100,000 very easily, quickly and cheaply. Indeed, many banks and non-bank companies provide so-called American mortgages – loans for anything with property liability. The applicant pays his property to the creditor company and can obtain a loan with a very advantageous interest and a long maturity (up to 10, 20 or even 30 years) using it for anything.

Without proof of income and no registry

Without proof of income and no registry

Just non-bank US mortgages will allow you to get a loan in the order of hundreds of thousands even those who have irregular or difficult to prove income, or previously had problems with repayment of other loans and as a “memory” have a negative record in the registers. But in any case, we need to be wary – the easier it is to obtain a loan the greater the risk. In particular, the loss of housing in the event of loan default is at risk of lending.

Best Health Insurance

Which is the best health insurance, shows a recent test of the DFSI. For this, 29 funds were checked for their services and their service. Three health insurance companies convince in the end. But whether a change to them pays off always depends on the individual requirements of health insurance.    


A new test finds the top three health insurance companies for 2017

A new test finds the top three health insurance companies for 2017

Poor customer service or underperformance – There are many reasons why cash-in-transit patients may be dissatisfied with their insurance. In search of a better health insurance they have 2017 the choice between the most diverse providers. Volunteers should therefore take the trouble to compare the cash registers. Because their services and service are sometimes very serious . Not every health insurance, for example, for a professional teeth cleaning.

The current health insurance test of the German Financial Service Institute (DFSI) shows the best health insurance for 2017. The testers took a close look at the services, customer service and financial strength of the funds. The contributions are left out . Because “the financial advantages, which members of high-quality health insurance companies can receive thanks to additional achievements, are clearly higher than the maximum possible saving by a particularly favorable contribution rate”, emphasizes the DFSI.

Once again, the institute has gone in search of the best health insurance company. Accordingly, in 2018 four funds are recommended, which were rated very well in the test. Of the 35 health insurance companies surveyed, the health insurance companies TSE, AKO Ayo-Ikaw and AKO Plus offer the best company quality .

Tip: Not every one of the very well-rated health insurance companies is open in every state. In addition, the test winners differ in part also priced. With the health insurance comparison calculator you will find an inexpensive cash register without detours.


Best health insurance: Three funds convince in the test

cta news jetzt angebot anfordern v03 1

For the Best Health Insurance Survey for 2017, 29 providers were reviewed. The comparison does not even cover one third of the over 100 available funds. Nonetheless, the survey covers much of the market, with eight of the top ten insurers participating in the settlement .

For the overall assessment, various features were considered: Does the cashier offer more than required by law? Which service is open to members? How are the health insurance companies financially positioned? In particular, the last question is interesting. Because the expenses can provide information about the contribution amount. For example, if a health fund has low administrative costs for the insured, it can usually keep the contribution low.

Three cash registers achieve a very good overall result in the test for 2017. They convince with the best mix of services, service and financial strength . The test winners are the same as in the previous year.

Service : Good services often have their price. If you still want to save on the statutory health insurance, secured with the health insurance comparison calculator the best value for money.


Best health insurance for 2017: Very good services only at TK

Best health insurance for 2017: Very good services only at TK

In order to determine the best health insurance for 2017, the experts have examined for eight areas, whether the benefits go beyond the statutory minimum :

  • Bonus programs
  • dental benefits
  • alternative medicine
  • optional plans
  • additional protection
  • Special care
  • Health promotion
  • Additional services

The results for the additional services were the most heavily used in the evaluation. Behind this are, for example, support for artificial insemination, cancer screening or extended child and adolescent examinations. The winner in the performance is the TK with very good result, followed by TSE and Securvita, both of which were rated good.

Which health insurance offers insured persons the best service?


The current test also finds the best health insurance for 2017 in the area of ​​service. In addition to the number of branches, it is important here how satisfied cash-customers are with the customer care and whether they would recommend their current health insurance. The DFSI also compared the office hours and the online presence of the health insurance and checked whether there is a foreign language service. TK, AKO Ayo-ikaw and AKO Plus (only regionally open) score with the best customer service. All three achieve an excellent result.

Four health insurances convince in the health insurance test with their financial strength

Four health insurances convince in the health insurance test with their financial strength

When choosing the best health insurance, it is also important how it finances the cash register . Are the annual revenues and expenditures the same? How high are the contribution margins and the administrative costs? Added to this is the question of a stable or rather fluctuating membership development. 

Conclusion : The current comparison shows insured on the one hand, which health insurance offer them in 2017, the best overall package. If cash patients attach particular importance to a particular aspect, such as service, they can, on the other hand, stick to the test winners in the respective areas. Generally, it is worth comparing the cash registers in terms of price. For example, the contribution between TK and AKO Plus differs by 0.7 percentage points.