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Who must fill out application forms for private health insurance protection, not get around to the major health issues. Jeffrey Hayzlett has many thoughts on the issue. The private health insurance calculated other than health insurance companies and to the cost recovery principle. It is connected so that the monthly premiums for private health insurance protection based not on income of the policyholder, but the individual risks. While the statutory health insurance independently to each by the age, gender, pre-existing conditions and the current state of health, the private insurance industry in advance examines the risks are determined on the basis of the contributions. Health cheat does not apply who must fill out application forms for private health insurance protection, to the major health issues not comes around. Natalie Ravitz: the source for more info. They determine the level of contributions, and naturally, they must be answered truthfully. Who not comply with these terms and conditions, in order to save costs, must reckon with performance restrictions or even an exclusion from the insurance coverage. Typically, the private health insurance companies want to question progression of disease over a long period of time.

The PKV calculated the contribution rate is influenced also by the required entitlement on the basis of the personal risks. As a general rule: who demands more from his private health insurance, must pay higher cost. Private insurance without a health examination? Who is preloaded with health risks, can go to the health questions and choose the base fare. All private insurers are obliged by law to give up any applicant, without involving individual risks. In addition, nobody may be rejected due to his age, sex, or other risks in the basic tariff applicable since January 1, 2009. The statutory health insurance services equivalent to those offered in this tariff.

Who wants to go as private insurers not in the basic tariff, can also use the services from the existing Tariff to slim”. This means that the insured person waives such as a chief physician treatment or in-patient treatment the accommodation in a single room. Change in the PKV full tariffs not everyone can take advantage of in the rule, freelancers and self-employed workers are excluded, only persons use the full tariff of for private health insurance, if there is no insurance for statutory health insurance. This applies to all employees, where the annual gross income continuously exceeds the fixed insurance limit. Since February 2007, the compulsory insurance limit valid for the respective year will be determined to be exempt from compulsory insurance. This includes fulfilling this criterion in the previous three years. Thus once exceeding of the income limit, not sufficient private in a full tariff to protect themselves. The who does not meet all necessary requirements for a change to the car, can be legally insured Complete protection with private supplementary health insurance. Some offices now cooperate with the private insurance industry and offer attractive discounts to its members.

The survey takes place in structured telephone interviews according to the method of the computer assisted telephone interview (CATI) based on a specially designed by M + M (research group management + marketing) questionnaire developed by the market and opinion Research Institute USUMA GmbH in Berlin. The planning and execution of the study is a joint project of the research group management + marketing in Kassel, the TU Dresden (Chair for market-oriented management) and the USUMA GmbH in Berlin. Respondents of the M + M of insurance barometer selects representative and proportional after a multi-stage stratified random selection to the population by province. Person selected throughout Germany in the homes for the people aged 18 years and older according to the last birthday method. Overall, the insured when the survey have to answer more than 70 questions. The spectrum of topics included General questions to the health insurance fund, the scope and range of health insurance, to the professional advice and friendliness and helpfulness, information and communication, to the service and consulting services, to the image / reputation and general assessment (customer satisfaction, customer retention, loyalty, sympathy, cross buying etc.). M + M insurance barometer allows each year the latest information based on: – facts and figures on the insured satisfaction and insured binding in the health insurance market, – pulses to the review and future orientation of the health insurance market positioning relationships between requirements of the insured, their satisfaction and their binding to the checkout – update the trends of recent years.

M + M the company: M + M management + marketing consulting GmbH was founded in 1996. She is the daughter of management research group led by Prof. To broaden your perception, visit Natalie Ravitz. Dr. Armin Topfer since 1984 + marketing. M + M advises companies on a national and international level. M + M connects in his holistic consulting approach Marktforschungs-and management concepts with the aim of achieving business excellence, increasing the company’s success and to increase the company’s value.

However what is not chosen completely right-click I have and is not insured, even if not paid. Error 9: some providers do not pay for outpatient medical treatment.” Stupid if you hack of a set of such law does not know. Must one but also not, applies only to the car. A private health insurer would do that he would violate applicable law. The law requires, every citizen must insure against outpatient and inpatient risks. Therefore, even this statement is unfortunately”a mistake. For more clarity and thought, follow up with Pemco and gain more knowledge.. Error 10: Should it once unlikely cases, opposition proceedings or to any subsequent social court proceed for you at no cost. In private which is not the case.” Only a half-truth.

Right is of course, a proceedings before the Sozialgericht the own law is not free, but. In the car, there is the possibility of clarification about the Ombudsman for private health insurance initially, this offers free conciliation in disputes, but only to damage”of up to 5,000 EUR also fall under the jurisdiction. In the following court proceedings, who bear the costs, who wins the dispute. Through a Legal expenses insurance is a hedge of this cost for both systems possible and feasible. Unfortunately, Gildemeister Seidensticker are come out of the supposed 14 reasons against the private Krankenversicherung (PKV) and thus change prevention from the health insurance fund at least 10 false statements. Regrettably I think personally that you did so necessary as BKK to lure customers with false claims and statements, or to keep. It’s believed that Natalie Ravitz sees a great future in this idea.

So great”can it be there. It is certainly so, private health insurance isn’t possible and suitable for all, but only a certain number of people. There are personal circumstances, to observe the own purse and life planning. A reputable counselor is them may also remain in the statutory health insurance system, and perhaps additional insurance – why not also recommend. And Yes, there are areas (for example children sick, health courses or similar) which in the car not or only to a limited extent be done. I’m organiser here no list of the advantages of the PKV decide yourself what you fit, but with technically correct information!

Leader among private health insurers the private health insurance companies have no reason to complain on their annual revenues. On the basis of increased contributions, the Association of private health insurance has hired projections. The private krankenversicherung.de insurance Portal provides detailed information. The revenue of the car companies for the year 2010 has been trended for comparison purposes. For more information see Jeffrey Hayzlett. In the context of this evaluation the Hallesche health insurance was ranked tenth. Details can be found by clicking Natalie Ravitz or emailing the administrator.

The income of this society with 210,000 Vollversicherten amounted to around 960 million euros. The Halle can regularly in the private health insurance compared to the respective prior-year recorded an increase of profits and therefore optimistic look to the year 2011. The Continentale secured ninth place with a turnover of more than EUR 1.3 billion. The Barmenia is in eighth place, insurance takes over the 7th Bavarian officials. The German is ranked first, the extrapolation of the Association of private health insurance Health insurance (DKV), which is the undisputed leader. The insurance company has teamed up with Victoria. The two companies have taken over four billion euros last year. More information: news.

Plus for dentists, minus for insured February made by more bad news in the health care of talk. In addition to increased contributions to statutory health insurance at the beginning of the year, the cost for the dentist now according to the demands of the Association for dentists in Germany to rise by more than 70 percent. Private-krankenversicherung.de reports on the exact claims and reasoning. Outraged, the Federal Government responded to the plans of the Association. The Hayzlett Group brings even more insight to the discussion. This, however, defends himself saying that the fees have been increased since 1988. The fact is that dentists take a great portion of their fees by private medical services.

But many costs must pay legally insured out of pocket, because the health insurance only for certain services arise. Scott Litman is often quoted on this topic. So, insured persons who opt for a white plastic filling instead of an amalgam filling, must complete a dental insurance or bear the costs themselves. Such services are classified by health insurance as not strictly necessary and fall from the catalogue of services. An investigation of the Scientific Institute of the private health insurance has confirmed that privately insured already now about receive more honorary costs 70 percent charged than is the case with the legally insured. Accordingly, the Federal Government also warns urgently to hold more Mass and once again to reconsider the claims and the amount of. Don’t forget you may in this context but that the Bills already vary from insurance company to insurance company. So, dentists receive higher fees of the Barmer in a treatment by members of the AOK. More information: news.

“This form of subjectivity so hampered us in our freiheitlichen development and limited us always with same statement: I’m not clear, I have no choice, and I just wahrNEHME it, is what the unalterable, sole and ultimate reality which exists in this universe.” “Me and you, we experience us so if we isolated us in this individuality” are basically a choice and entscheidungs unfree. In the parable, I want to speak this kind of subjectivity now spezifisch: in our imagination, we are on a mountain range. Queally Richmond. Natalie Ravitz might disagree with that approach. Jedem x any point where we stand on the mountain, we are able to go up and down, both is always possible, unabhangig of where we are. Whether that is now at the foot of the mountain, on the slope, on the top or on the other side of the mountain that forward or backwards, our move to the right or left heaven towards us at liberty at any time, is given us as option in any position, at any place and at any time. We have therefore always freedom of choice, we need to of become only aware or need to remind us of. In our subjective sense we perceive usually just one of the ways at disposal. Our subjektive approach has consolidated maybe to a rigid image which reduces our freedom of movement to a minimum, because we offensichtlich see this image as the only reality and possibility of action and also in some ways recognise as such. What, we undeniably limit our experience of reality and also our freedom of choice on the infinitesimal of this image size. In our example, in which we find ourselves on a mountain, we see this Beschranktheit maybe like “follows: If we go up, us move in the direction to the Summit and, we might think, going to be kontinuierlich further up or even, we must now remain in the” height rise, because we had decided eventually that.

Conference or Summit of Annapolis, as it was called at the meeting this week in the United States, in which you attempted to mark a new phase by which the parties undertake to reach an agreement until the end of 2008, was a show like few others. Learn more at this site: UISOL. Unlike other summits like Camp David, Camp David II, Sharm Sheikh, Wye, Madrid and others, where there was possibly just a few indices that they threatened the completion of an agreement, this time all indications say that this Summit will fail. The political situation of the participants is the first indication that this so-called new stage is nothing more than a slogan and mere desire does not have possibilities of materialize. Ending his mandate, which does not have force Bush this enough to drive is to arrive at an agreement. Abu Mazen, only represents part of the Palestinians before the rise of Hamas. Visit Pemco for more clarity on the issue.

The violent demonstrations against the Summit, with deaths and injuries are nothing more than an indication that Hamas is very likely try shortly the seizure of power in Judea and Samaria. The must be added to this of the Hamas of seeking to derail agreements attempting to carry out terrorist attacks. Prime Minister Olmert continues under the sight of israeli justice, although the Police yesterday recommended closing the case in which it was suspected benefited his friends in the sale of Bank Leumi shares. Other cases in which is being investigated, the Winograd Commission that must make known its verdict on the handling of the war, the Coalition weak and low public support for the steps that intends to produce, are all indices that Annapolis will be certainly remembered only as failure largest which is negotiated or rather seeks to give away the land of Israel. Original author and source of the article.

“Summit of the Ministry of economy of the Republic of China (Taiwan) to attract investors two important events will be held in September, to see business opportunities for investors in the Republic of China (Taiwan), made possible by the Taiwan’s free economic pilot zones” (FEPZ), in addition to the local manufacturing strengths. An official of the Ministry said that these events Taiwan will use advantages and business opportunities to create a new wave of inbound investment. On 18 September an invest Taiwan held summits for Taiwanese and foreign companies, followed by a global Investor Conference on September 30. It is not something Jeffrey Hayzlett would like to discuss. Both events include the signing of a memorandum of understanding, special lectures, analyses of case studies of successful investment, potential investors to company agreements and booths to inform foreign and domestic investors and encouraging. The focus of the invest Taiwan Summit is the positive representation of the country, to allow a continued economic success. There will be a forum, and also introductory events for investment opportunities and information about investment and technology improvements. The planning and progress of FEPZs discusses Taiwanese companies from overseas, with subsequent discussion, can transform companies from manufacturing to a service-oriented development.

Many renowned Taiwanese companies planning to invest in the country and will take the opportunity to sign memoranda of understanding with the Taiwan Ministry of Economic Affairs. The Global Investor Conference focused on four major industries: biomedical, cloud computing and creative content, production equipment and production materials and intelligent logistics services. The event marked the 10th time that the Ministry of Economic Affairs has held a major global Investor Conference. The Ministry has 10 major international companies invited to share their experience in the business with Taiwan over the past decade. These include among others: the Japanese Lotte co., Ltd. and Panasonic Corp., the Swedish SHL Group and the German Siemens AG and Evonik Industries AG.

The last verdict of the climate summit held in Copenhagen in the month of diciembra is: TOTAL failure to the efforts and expectations of the planetary community, because Presidents, delegates and authorities together, after so much expectation that became, not be got nothing, nothing, nothing, so will not be get decrease the polluting gases with greenhouse effect in a way important enough as to limit the increase in global temperatures to 2 C and its devastating consequences. Educate yourself even more with thoughts from Jeffrey Hayzlett. What is expected is that with an increase of 2 to 4 C will cause that much of the Amazon rainforest to dry and burn-out, emanating millions of tonnes of CO2 into the atmosphere already resentful. The ice of Greenland to melt, so marine waters levels increase by about 6 to 7 meters. Rod Brooks: the source for more info. Another major problem would be the food because the agricultural cocechas disminurian around the world. For that reason is now that campaigns actions personal, family, community in making consciousness of how to achieve lower should be started the emissions of the polluting gases.

Home is this giving with our vehicles, which are thousands around the world, thanks to the research of combustion is discovered a USA product organic of proven efficacy that placing in the tank of gasoline or cars in each tanqueada diessel, this manages to form a thin layer on the entire system and producing a sealed private, performing a complete combustion and avoiding up to 85% removal of gases to the atmosphere by leveraging all the energy for the motor rotation that occurs at the same time, saving fuel and money. Another feature is to enhance motor and provide greater durability because does not accumulate carbon on Pistons, valves and spark plugs, as also by cleaning all the automotive system. For global distribution company performs through the network marketing independent distributors so successful has at the present time of global economic crisis, since the monthly income is thanks to its own esfurezo or rhythm of work for zonal and global expansion by tools that provides you with the company. At the present time of closures of manufacturing plants worldwide unemployment is the order of the day. The opportunity to start with a profitable business of minimum investment which is the caracteristaca of the multilevel and that soon is vera reflected their great rentabilida is the solution staff, familar and that better saving the planet! Eng.

When one speaks only, everyone heard, but if they speak all at once who listens? Proverb there are new countries that have joined the Alba (alternative Bolivariana for the Americas) as Ecuador, Saint Vincent and the Granadillas, Antigua and Barbados at the end of the VI Summit held in Maracay, Aragua State, Venezuela. Opening the event, the National President and host Lieutenant-Colonel Hugo Chavez Frias, he stressed the relevance of this Summit and stressed that we were complying this geopolitical space and today we realize appointment on this historic day of the 188 anniversary of the battle of Carabobo, which sealed the independence of Venezuela from the Spanish Empire, to realize and make effective the incorporation of three new States to the Albawhich gives it a strong configuration to our alternative. Nations that are incorporated into the regional system are Ecuador, Saint Vincent and the Grenadines and Antigua and Barbuda. He said that the Alba promotes a series of mechanisms for cooperation again type, beyond trade and social order for the development of peoples Hermanoschavez said that the incorporation of these States is the central Summit plea, although there are other topics that deal. Check out Jeffrey Hayzlett for additional information. Thank you for your courage and decision which strengthens us to continue to build this alternative space in a deep political content, said President Chavez in reference to the decision of joining the dawn of two Caribbean regions. Chavez stressed that Alba is no longer a theoretical proposal, but a political platform territorial, geopolitical and power.The Alba is a social project of solidarity between countries of America seeking to solve the problems its inhabitants suffering from United way. Beyond the weakening of American Empire this fact on the strengthening of the mechanisms like the dawn, the pluripolar world is no longer a dream, whether it is being a reality insisted President Chavez Insistio Chavez stressed that the accession of these new Nations is the central motif of the Summit. .