10 Tips on health insurance

Health insurance is an important issue that affects us all. Regardless of whether you have statutory or private insurance, everyone should look into the subject and find out about the various options available to them. In this article, we give you 10 health insurance tips to help you make the right decision.
1. Find out about the different types of health insurance available
Before choosing a health insurance plan, make sure you understand the different types available. There is statutory health insurance, private health insurance and voluntary insurance. Each type has its advantages and disadvantages, which you should know in order to make an informed decision.
2. Compare the rates of the different providers
Comparing the rates of different providers is essential to find the best health insurance for you. You should not only pay attention to the price, but also to the benefits and the service.
3. Take advantage of subsidies and premiums
There are various subsidies and premiums you can take advantage of to lower your health insurance costs. You should inform yourself about the different options to get the most out of it.
4. Pay attention to contract details
Before signing a health insurance contract, read the contract details carefully. You should pay special attention to deadlines, cancellation options and exclusions.
5. Take your family situation into account
Depending on your family situation, you should also include your family’s health insurance in your considerations. You should find out about family insurance options as well as coverage for children.
6. Check your insurance coverage regularly
It is important to regularly check whether your insurance coverage still meets your needs. In doing so, you should also keep an eye on new offers and rates.
7. Prioritize
Depending on your needs, you should prioritize. You should decide which services are particularly important to you and which you do not need.
8. Ask for discounts
Many health insurance companies also offer a variety of discounts. You can benefit from a group discount or a family discount, for example.
9. Use online tools
There are several online tools that can help you find the best health insurance plan for you. You should pay particular attention to the seriousness and timeliness of the information provided.
10. Get professional help
If you are unsure or need help, you can also contact professional advisors. However, it is important to find out in advance about the costs and the seriousness of the advisor.

Compulsory insurance: 10 tips on health insurance

Every citizen in Germany must have health insurance, whether statutory or private. This compulsory insurance applies to everyone with a residence in Germany and regardless of income. Health insurance covers costs for doctor’s visits, medication, operations and hospitalization.


Health insurance: expensive lies and negligence

Health insurance is an important part of the German health care system. Its purpose is to ensure that medical care is provided in the event of illness and that no financial hardship occurs. Yet reports of expensive lies and negligence by insurers, as well as abuse by insureds, continue to emerge.

A frequently cited problem is the lack of transparency in the application process. Insurers often use incomprehensible wording and hidden clauses to push customers into a more expensive policy. This results in costs that could be avoided. Insurers’ information policies can also lead to ambiguities and unpleasant surprises.


Daily sickness allowance: an overview of the costs and benefits of insurance

The daily sickness allowance insurance is an additional insurance that can be taken out in addition to the statutory health insurance. The insurance will cover insured persons who are unable to work due to an illness or accident, resulting in a loss of income. In this case, they will receive a daily sickness allowance from the insurance company.

The cost and benefits of daily sickness benefits insurance vary by provider and plan. Important factors influencing the costs include the age of the insured, the occupation and the desired daily sickness allowance. There are also differences in the benefits: some providers offer additional benefits such as reimbursement of hospital co-payments or cost coverage of alternative healing methods.


Why is my credit rating negative?

Credit rating or creditworthiness is an important factor when it comes to obtaining credit or loans. It provides information about how reliably a borrower meets his financial obligations. A negative credit rating can be a major problem for many people, making it harder to get a loan or enter into a contract.

There are various reasons why someone may have a negative credit rating. One of the main reasons is that in the past one has not fulfilled payment obligations on time or not at all. This can be the case, for example, with loans, rent or bills. Personal insolvency or an affidavit can also cause the credit rating to become negative.


Insurance in the republic of cyprus – a comprehensive overview

In the Republic of Cyprus, the insurance industry has been one of the most important sectors of the economy for decades. With a large number of national and international insurance companies, Cyprus offers its customers a wide choice of insurance products.

The insurance services in Cyprus are regulated and supervised by the Insurance Association of Cyprus, the Cyprus Insurance Association (CIA). The CIA acts as the umbrella organization for insurers and ensures that all companies comply with legal regulations and standards.


Retained cargo: insurance must pay

When goods are lost in transit, this can result in significant damage. As a result, trading companies and manufacturers often rely on the use of cargo insurance. In some cases, however, the insurance company does not cover the costs because the goods were allegedly not properly secured or there were other factors that could have caused the damage.

In a recent case, a company had taken out cargo insurance to protect a shipment of goods from India to Germany. The goods were transported by sea and should have arrived in Hamburg as scheduled. But when the container was opened, it turned out that some of the goods were missing.


Avoid overinsurance by controlling the contracts

The insurance world can often be opaque and confusing for consumers. It’s difficult to keep track of all the contracts and policies you’ve taken out over the years. Above all, fear of potential damage or risk can lead to over-insurance. However, this overinsurance can lead to unnecessary costs.

Avoid over-insurance by controlling the contracts

To avoid over-insuring, it’s important to check existing policies regularly. Savings can be made and unnecessary insurance can be cancelled by carefully analyzing the terms of the contract. Even with new contracts, look carefully and don’t be blinded by perceived benefits.


Driving under the influence of drugs and without a driver’s license: a serious traffic offense

Driving under the influence of drugs and without a valid driver’s license is a major risk factor on the road. Not only can it lead to serious traffic accidents, but it can also lead to heavy fines and legal consequences.

Although it is illegal, there are still many drivers who get behind the wheel in this condition. According to a study by the German Federal Ministry of Transport and Digital Infrastructure, one in three people who drove a vehicle under the influence of drugs in 2019 did not hold a valid driver’s license.


No license, no limits: scooter riders under the influence of narcotics

It’s a scenario that unfortunately happens far too often: a scooter driver without a license, who is drunk or under the influence of narcotics, gets behind the wheel of his vehicle and takes to the roads. The consequences can be devastating, not only for the driver himself, but also for other road users.

But why do some people take this risk? In many cases it is simply ignorance or a false assessment of one’s own abilities. But the fact that a driver’s license in Germany comes at a high cost and requires a considerable amount of time also drives some to break the law.