Archive for August 2016

The story someday, probably everyone of his youth knows most people know concerned even from childhood days: every year in October snapped to the piggy bank, brought it to the Bank and waited anxiously, what sum the Pfennig coins probably this time would result. This is also the meaning of the Weltspartags – the virtue to save again close to bring people. The “International Day of saving” was introduced, as he is called in English, at a time when the save was more necessary than ever, only a few years after the first World War – specifically on October 31, 1924. Here in Milan 29 countries to the international savings bank Congress came. Many people lost their life savings in the war, confidence in the economy and investments was badly damaged, the introduction of the Rentenmark and the currency reform did the rest. So, the Italian Professor Ravizza at the savings bank Congress with the establishment of the world savings day decided to encourage the people to save and create an own prevention.

The first world savings day was officially celebrated on 31 October 1925. It was however not until 1989, until this date was proclaimed by the United Nations to the official day of saving. In Germany, the world savings day children popular – enjoys probably so because there is every time a small gift in the form of stuffed animals or Sparschweinen for the staying power of the Bank. Since the 31 October in some provinces is reformation day, the world savings day in Germany is often already committed on the last working day prior to this date. This year the world savings day is 2011 on the October 2011, as the 30th is a Sunday. In times of banking the world savings day has lost in recent years importance, many banks no longer commit him. Too bad, because in a time when seemingly endless credit coupon curl and the financing pump represents a supposed solution for many consumer needs, saving has again become the important virtue. Some banks, such as savings banks and Volks – and Raiffeisen banks, have maintained this tradition however – much to the Joy of saving young.

It had to be only a number the greater the 18 months period in the statutory health insurance (GKV) is. The minimum contract duration in the PKV lie between 12 and 36 months. A contract is terminated but due to entry of the insurance or the customer for reasons such as unemployment has forced back into the statutory health insurance, so the protection at this time ends, regardless of how long the customer was insured. But why should be change a car necessary? New health assessment and a new age make this not make sense. Has the insured person at the time properly dealing with the topic and carefully discussed the selection criteria, a change is not meaningful. Error 7: the private you must in advance generally occur and then claim back the cost.” Whatever these blanket statements here come here one has once again”not read and does not end thinking.

Just for high cost hospital a direct payment by the finds so-called clinic card”(card for the privately insured) method instead. This system, the only the HUK Coburg, medical assistance (LKH) and Debeka are not connected, the customer owes a direct settlement between hospital and insurance. Out-patient or dental costs are billed and can be submitted as well only to the refund and then paid to the doctor. “Error 8: who, for example, at some point is dependent on the help of a psychotherapist and is according to the Federal Chamber of psychotherapist after all any third insured in the course of his life often experienced a nasty surprise, if the costs are not covered then.” Funny, just a few (< 5%) Tariffs in the PKV offer no services for psychotherapy (outpatient), other tariffs cover not only the patient, but of course also the stationary (psycho -) therapy area and offer more choice and protection in part as a statutory health insurance.