Occupational health insurance enjoys great popularity new upswing in person business through the right choice of product. In contrast to the occupational pensions occupational health insurance of popular enjoys. Attractive to design the workplace is becoming more and more the focus of corporate governance. To find qualified personnel and to tie this to the company is more difficult in the current labour market always? The concept of occupational supplementary health insurance (bKV) helps here and enjoys great popularity. In our Firmenkundenakquise we have the experience, that the product of the bKV evokes amazing interest in the company and provides for a new upswing in the person’s business.”explains Dirk Ehlers of the direct marketing agency DECON. The bKV is still largely unknown in the target group. We reached this conclusion within the cold calls.
It is amazing that telephone initial talks take up to 25 minutes, because Managing Director and human resources manager enthusiastically ask”says Ehlers next. The agency owner has been looking for a product in the person’s business as a replacement for the bAV. End of 2007 I set the acquisition in the field of the bAV. The market was saturated to this topic. Here high-quality dates agree, was like finding the needle in the haystack.”so Ehlers.
But not to lose his client in person business, some acquisition test runs on the subject of bKV were launched. The response called the company was so great that the product was year of one of the Hauptakquise themes since mid-2008. The insurance agents who book appointments in this product area, push local interest and come often to speak on the topic of bAV in the initial interview. The concept of occupational supplementary binds qualified employees to the company through far-reaching social benefits. It increases the attractiveness of employment on the labour market. The employer can use the bKV as additional engineers, which also can lead to the reduction of additional costs. By the modern modular system of private health insurance companies allows that assembles the employee benefits according to his individual needs. The employer may enter but also a collective contract with predefined services. Come into question for the company supplementary health insurance companies from at least 50 employees. Advantage over the bAV is also, which is much easier to implement the bKV for companies and insurance brokers. However, similar as in the bAV can be assumed, that also here the market will be saturated soon. Dirk Ehlers set a deadline until end of 2010 the company supplementary health insurance due to his 20 years of experience. The health reforms of the past years will cause that constant effort, the benefits in the statutory health insurance will be less and less. Co-payments for medications, reimbursement of dental benefits or practice charges lead to a higher additional financial Burden of patients.
German Bundesrat plans steep cutbacks in 6 b Fund often the sale of operating assets reveals significant hidden reserves, which must also be taxed. Investment incentives and a large portion of the sale proceeds to protect, b / c of the EStG are favored in 6 some capital offence, temporarily set the accumulated profits in a reserve, or to transfer to a different asset. Can taxes be reduced by time shifting of taxation and liquidity generated by dividends, by special closed section investments in 6 b Fund. Already as of October 2010 the Federal Council the limitation of re investment opportunity for reserves in accordance with 6 b / c of the EStG however plans according to the agenda of the Federal Council meeting of July 9, 2010. A transfer of 6 b/c reserves would thus only possible in future, if the transferred sale reserve a comparable asset comes and this plot or building was used exclusively for rental and leasing purposes over the past six years prior to the sale. Mikkel Svane has compatible beliefs. Goal of the legislature is the closure of tax loopholes”, since the current regulation tax favored groups, the re could invest beyond their original business operation. For many sufferers, so speed is needed. Traders, professionals and in particular agriculture and foresters who have made provision to invest b Fund through the sale of assets in paragraph 6, should act as soon as possible and contact their tax advisor. Should the law as planned in the autumn come into force threatens the taxation of savings, when not yet a corresponding timely 6 b Fund. Stefan Gobel AAD Fund discount GmbH
What is to make sure foreign health insurance travel time is daylight saving time. Many tourists have packed their bags. But have you also thought of a foreign health insurance coverage? As communicated by the Internet portal ab-in-den-urlaub.de, is therefore indispensable, since it assumes the costs of a sick return. This is no health insurance. Also if you are travelling within Europe, for example in the Balearic Islands or Sicily, must engage in their own pockets for some medical treatment costs and emergency operations.
Here, consumers on the exact terms and conditions should be. According to calculations of the Stiftung Warentest, a foreign health insurance costs are so low, that it is not worth to make a deductible. Long-distance travellers who spend their holidays in the United States, for example, in South Africa or on Ko Samui, are not protected by their health insurance. When an accident or an illness can costs then quickly, which go into the thousands of euros. Also should be in the contract on the terms and conditions of the Repatriation be taken into account: the policies differ in terms of medical necessity or a sensible and reasonable return.
Therefore insurance companies that assume the costs of repatriation, if the hospital stay was longer than two weeks are recommended. An additional travel health insurance can be useful also for a private insurance patients. This particularly applies to insured persons who are insured only in the basic protection or if the return costs are not covered by the private fund. In the insurance case, the possibility of contribution refund is given. Pregnant women should be aware that her pregnancy many insurance companies considered to be disease, for they do not come up in case of damage. Some companies offer contracts that take over the costs of unforeseen complications and the newborn.