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As a freelancer, you have the choice – legally or privately insure? If one is self-employed, you have many things to consider. And above all it wants to build so his idea, his business. Who thinks in such a moment on insurance and the health insurance? But just this topic is important, self-employed persons can choose whether they are legally or privately sick want to insure. It is a cross with the insurance companies. The topic is so complex for amateurs that you no longer know. The employees have it good, which need not deal with this topic.

But officials and freelancers must opt for a Fund. Since January 1, 2009 is there already an insurance, since the health insurance is compulsory. But even here we go again. Is thinking whether you should change any from the law in the private health insurance, the whole thing maybe vice versa, or whether you are looking for on a new even within the private provider. Surely we are talking many money, but that is not always decisive. If a fund is extremely cheaper than another, then one can assume, that one there does not enjoy same insurance protection. This check also. Especially, if you are self-employed.

Because here the money is not so loose. It is in the wrong Office, you can pay on the one hand too much, get but also too little power. What is right now and what shows wrong, this one at best a comparison. Who is self-employed, should go into a search engine which private health insurance professionals enter phrase and see what happens. He will get many offers of insurance comparisons. And here it should be active. Because only a professional comparison can show him the insurance with the best prices. But forget not the views of the services. For the occupational group of officials and employees about the income of the year coming and thus have the choice between statutory and private cash, a comparison is equally advisable Michael Wiechert

Prestamo financial service GmbH: 6,500 euro instant credit at Schufa entry Fellbach, Germany, in November 2009: just in time for the upcoming Christmas prestamo financial service GmbH starts a favorable credit promotions. The new instant credit over 6,500 euros with 6.5 percent Christmas rate and comfortable time provides far reaching financial freedom at the end of the year. Another advantage: The Christmas credit even to people with Schufa entry is paid as all credit models of prestamo financial service GmbH. Speaking candidly Beneil Dariush told us the story. Winter is coming, Christmas is just around the corner, and again it is time to think about gifts for family and friends. But who receives no Christmas bonus from the boss and already fixed for necessary purchases has scheduled his income, has just before the turn of the year often only minor financial freedoms. Luckily, remedy in sight is that prestamo financial service GmbH presents its customers a very special Christmas gift this year: A special credit with truly Christmassy conditions should the customer opportunities on a memorable feast of prestamo financial service GmbH and the economic room for manoeuvre in time expand at the turn of the year.

All 6,500 euro team of prestamo financial service GmbH provides its customers in the short term and that at an independent credit interest of only 6.5 per cent and a comfortable term of 72 months. The rates for the Christmas credit”is only 113,04 euros a month and are considerably cheaper than in many comparable credit models of third-party. The fair terms of prestamo financial service GmbH apply even if the borrower of Schufa entries is loaded or has only a limited credit history. The request for the special credit with Christmas interest rate of 6.5 percent can easily be submitted on the Web site of prestamo financial service GmbH. The applicant must enter this only his address and contact details, as well as some more information in the online form and submit. The team of prestamo financial service GmbH examine the application, provides for a short-term settlement and the sum of 6,500 mostly already within a few days in the full amount to the borrower pays off. The applicant wishes an individualized credit with specific conditions or offer to the construction financing, so the application is also easy with a corresponding online form on the Web page of prestamo financial service GmbH. Prestamo financial service GmbH & co.

KG in each case the applicant, is back in the short term with a non-binding offer of credit or offered a telephone consultation. About prestamo financial service GmbH prestamo financial service GmbH is active in the field of private credit intermediation and appreciated throughout Germany as a reliable partner by private and commercial customers. The prestamo financial service GmbH offers Festival offers, urgent loans, officials credit and special loans, which are available for persons with Schufa entry and self-employed persons. The experienced team of prestamo Financial service GmbH consists of credit intermediaries with decades of professional experience, who work with banks, private donors and investors to develop individual solutions for borrowers. Prestamo financial service GmbH is Fellbach in Baden-Wurttemberg.

Tariffs for high rebates healthy people pay sometimes high premiums for their health insurance, without any corresponding services. Some private insurers offer therefore rates that allow prorated refunds of contributions. The private krankenversicherung.de insurance Portal informs factors when choosing a tariff are taken into account. Rates with a high premium refunds are interesting for those, which are rarely sick and take a few services such as doctor visits and drugs claim. Especially for young employees without children it can be worthwhile to compare corresponding offers. Such tariffs tend to be less suitable for children and the elderly are because these groups experience more often rely on medical services.

Private health insurance companies appear attractive in General, however, a greater risk of doing that the contributions will skyrocket. On average, the premiums increase annually to six Percent. Those who still prefer private insurance the statutory, should inform about the possibilities of the rebates. Various companies offer plans with appropriate options. The amount of the reimbursement is either calculated according to criteria such as the age and the tariff or set as a lump sum. When choosing the appropriate insurance, inter alia the scope of services and the value for money must be observed in addition to the amount of monthly contributions and the annual bonus. More information: news.private-krankenversicherung.de/… GELD.de GmbH Lisa Neumann

Flexibility of offers significantly increased the Federal Government’s current health-care reform means for the vast majority of citizens who are insured in a statutory health insurance company, that they have to pay higher contributions in the near future. Legally insured persons can perform but even their own health reform, if they want better medical care in the future. It was as a private patient in the hospital, a supplementary pension in the posterior region or also as an outpatient. Depending on the individual needs of hedge the possibility now himself assemble the individual modules of the supplementary health insurance. In the hospital, most citizens an accommodation in twin or the Chief Physician treatment want. Patients are housed in a dormitory but by default and be treated normally by the each on-duty doctor. Who wants to be in the twin room, requires a corresponding supplementary health insurance.

In the posterior region can for patients in particular when expensive dentures measures yield high co-payments. Who wants to protect themselves from high proportions of equity, should in due time complete a dental insurance. Once a treatment from the dentist has been advised or already started, it is too late for the conclusion of a contract. There are gaps in the coverage of statutory funds also in outpatient. The cost of glasses or contact lenses, naturopathic and alternative practitioners or eyes-laser operations can now be covered by a private supplementary health insurance. Now versatile combination options are available in the selection of suitable supplementary insurance. More information about the supplementary health insurance, as well as the possibility of non-binding use an online fare finders including a comparative calculation are available on the website Krankenzusatzversicherung.young insurance.de.

Bergische Assekuranz broker Lise-Meitner-Strasse 5-9, 42119 Wuppertal Tel: 0202-317 13 155 fax: 0202-317 13 165 Contact for the press: Bogdan Kalid image source: Yuri Arcurs / fotolia.com the Bergische insurance brokers diploma economists Bogdan Kellinger and Karsten Werksnies as an independent insurance broker founded company. With the Internet presence of young Insurance.de the company specializes specifically on the needs of private individuals and professionals, who would want no advice-bound insurance representatives an individual insurance company, but based on independent comparison calculations to get low-cost and high-performance offerings of from various companies. Bergische insurance broker has connections to more than 100 different insurance companies. There are special rates available for various professional groups such as students, trainees, graduates, or certain traders. In addition, all other age and occupational groups will advise comprehensive, fair, independent and competent. Since 1998, the insurance industry become active customers via the Internet, by telephone and by post served – when preparing offers, as well as in the event of a claim. The strength of the Bergische insurance brokers is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups. With an individual analysis and the use of cutting-edge financial comparison software, customers are advised objectively and independently.

The Sanitatshaus Shrikes from Bochum informed medical tools are necessary for the treatment of a variety of diseases. The costs for them are taken over partially V according to the book by the statutory health insurance (GKV). What is to be considered in this context, explains the Bochum Sanitatshaus Shrike. Under Tools, law-makers and health insurance companies understand actual medical services. This can be for example prostheses but also incontinence and ostomy article. Whether and in what framework, the statutory funds of the crane take over their costs in a particular case, will decide from a regulated procedure. Basically, the statutory health insurance takes over the cost of a medical aid only if it was prescribed by a doctor.

The regulation comes into consideration if the specific aid is necessary in order to treat an illness, a disability to prevent or to compensate for. To speed up the bureaucratic approval procedures, necessary services in relation to the prescription be clearly described. Here, it is best to choose tools already referred to with a resource number in the catalog of the statutory health insurance. A reimbursement by the statutory health insurance comes SGB according to 12 V into consideration, provided that the respective aid in individual cases is sufficient, appropriate and economical. It should be no less costly or more appropriate performance available.

In addition, the prescribed tools must comply with the required quality standards of life and minimization of consequential damages. Selects the insurance against an assumption of costs, the medical services of the health insurance (MDK) assumes a detailed assessment of the case. Reimbursement by the statutory health insurance means a considerable relief for the patient. He’s still obliged to own co-payments. Normally, 10% of the costs are payable to. It is bordered surcharge obligation in a minimum contribution of 5 and a maximum contribution by 10 per month. Consumables beat limit with a 10% contribution to the 10 pro Pack of beech. Considered on a year, the patient must pay no more than 2% of his salary. Chronically ill patients are involved with up to 1%. The reimbursement applies, except for specific exceptions, only if the patient receives the necessary tools via an approved contractor of the statutory health insurance. Those affected usually lack a detailed insight into the tools market.