Archive for May, 2018

Private Health Insurance

What to watch and when exclusions are acceptable wanted I these days do not blog, am actually on vacation. Since I had some questions about this topic now, however, I decided to write a lot about. The private Krankenversicherung (PKV) is different than the statutory health insurance (GKV) by a risk assessment based on. In this process to the questions raised in the request. Here is asking past disorders and problems, impairments and disabilities and also planned treatments. Already expired treatments give an overview about the “vulnerability” and if necessary investment or physical defects.

But also planned treatments will be asked, these are important for the risk assessment. What insurers want to insure already a customer, must be handled tomorrow (planned). Who insured a House which already Burns against fire? No, because the premium would have to exceed 100% of the amount of the loss. Insurance companies are no welfare institutions. There are probabilities assured that the individual can not only wear.

The last few days I received under other following request. Last year about 20-25 meetings psychotherapy perceived because of no big deal, I just was there, I get no drugs, no stationary Aufenthalt.Habe last year psychotherapy perceived approx. 20-25 meetings because no big deal, I was just there, got no drugs, no hospitalization. Generally, a “red rag” for many insurers is the subject of psychotherapy and the resulting costs. Already, the prospective buyer here writes that it was only in the last year. In addition, that the number of sessions is not really small. In this case an application not worth it but for another reason, because further writes the prospect here in the mail to me: now I like would complete an option tariff which provides me the health status and the age. I need this for the reason, because I evt. in a week a few hours psychotherapy will take again I always go when I questions to the Life don’t, as I said great.