Category: Insurance

Regardless of other motorists, there are some other risks as well as external influences that can cause extreme damage to your car. Even through no fault of your own, it can be very expensive. Here's how to behave properly to contain sources of danger and what to consider for insurance claims processing.

Unpleasant encounters with wild animals

Especially in spring and autumn, you as a motorist are not alone on seemingly lonely country roads. On roads leading through or along a wooded area, special care must be taken to avoid collisions with deer, wild boar& Co. to avoid.

What if an Indian employee is absent for a long time or becomes ill??

Indian employees can also drop out for various reasons. In the article more information and how to deal with it.

Sick days in India versus Germany: who pays??

If an employee in Germany falls ill, the employer must continue to pay the full salary for up to 6 weeks.

The differences between some types of insurance policies are easy to figure out. For example, auto insurance covers cars and homeowners covers individual homes. However, other terms are not so self-explanatory. You should especially understand the differences between primary and excess insurance, as you will likely encounter them at some point. You may also have heard of the term "reinsurance" heard, which you rather do not know, but still should know to avoid confusion.

Around nine million accidents happen in Germany every year, a good two-thirds of them during leisure time. In these cases, the statutory accident insurance does not cover you. For whom private coverage can make sense, and what to look for when taking out coverage.

A fall in the household or while hiking – that happens quickly. The health and financial consequences of such an accident can be serious and long-lasting. If, for example, you are dependent on help in the household, need special therapies or even have to modify your car and/or house to make it suitable for the disabled, you will usually have to bear the costs yourself. If the accident victim can no longer work or can only work to a limited extent, there is also the threat of massive loss of income. Statutory accident insurance only covers accidents at work or in the home office or at school, as well as on the way there and back. Private accident insurance closes this gap.

Being right and getting right are often two pairs of shoes. Time and again, it is the limited financial resources that ultimately lead to the fact that a legal dispute can not be continued. This also applies if the chances in the next instance are actually not so bad. Legal expenses insurance ensures that even economically weaker consumers are on an equal footing with their counterpart in a dispute. In the event of a dispute with their employer, employees in particular are faced with the problem that the employer often has the longer financial breath.

The premium card from Targobank is a credit card offer tailored for frequent travelers and people who travel frequently for business. For a basic fee of 88.00 euros, you get, for example, comprehensive travel insurance and attractive discounts. In addition, you get bonus points for every transaction made with the card. This can be exchanged for flights, hotel accommodation or rental cars, for example.

If you also use a current account with Targobank, you can withdraw cash worldwide free of charge at all ATMs with the VISA logo – as long as at least 600.00 euros are deposited in the account each month. If you do not use a current account with Targobank, you will pay 3.50% (min. 5.95) for cash withdrawals. In branches of Targobank you can do this free of charge.

Around 14 million cats live in Germany: This means that the house cat beats the dog as the most common pet by far. Cats are self-willed and make their master or mistress also gladly times the servant, sometimes they drive also their mischief in the neighborhood. Damage caused by cats is not uncommon.

It is not uncommon for cat lovers to keep several animals, after all, there is nothing better than cuddling and playing with the sofa lions non-stop. Excessive cat ownership, however, can also lead to problems if cats are left to fend for themselves all too often. This is the case, for example, when the rented apartment is handed over to the landlord after moving out and the landlord has to complain about numerous damages caused by cats due to excessive use.

The medical services of the statutory health insurance have presented the damage balance of medical malpractices. But only the tip of the iceberg came to light.

The medical services of the legal health insurance (GKV) presented recently for the year 2015 the balance of expertly uncovered treatment errors. In total, they went over 14.800 allegations of mistreatment after. In around one in four cases, this suspicion was confirmed. However, only the proverbial tip of the iceberg could be uncovered. The results are not representative, because there is no obligation to report treatment errors.

You're interested in working in banking and insurance, but don't think you're cut out for it? We say: Yes, you are! Because this field doesn't just consist of one job, but offers a whole range of possible careers. For some you need a degree. Others are apprenticeships where your employer trains you. We have some job examples ready and are excited: Which profile suits you?!

In our last guides you have already learned what occupational disability is. For whom it is eligible? Why it can be so important for you? But what actually happens if I am not affected by occupational disability for the rest of my life?? And I don't claim my disability insurance at all? Can you cash out your disability insurance??

What happens to my money if I don't become disabled and can I simply cash out my disability insurance??