those Who want to switch their private health insurance (PKV) for the first time from a policy, the better an independent fee-based advisors. For its services, fees, the policy selection is much larger. In addition, can be expected in the ideal case, the extra fees quickly, because the new PKV is cheaper.
a Lot more policies on offer
In contrast to independent consultants to be paid for insurance broker of the private health insurance providers for the placement of new clients. High amounts of flow, such as the financial services provider Rentablo tells.
Six to nine-month posts of the Insured as a finder’s fee is customary. To sell certain rates specifically offered private health insurer, earlier even up to 18-month premiums as a fee. In the meantime, the legislature has capped the upper limit on a nine-month premiums.
the higher the monthly premium, earned the more a broker
The message shows the example of a 30-year-old prospects, what mechanisms act at a fee calculation on a bonus basis . A 30-Year-old should be expected at least with a monthly premium of 300 euros, his disease risk. In nine-month premiums, the intermediary would get 2700 Euro fee.
The fee increases, the higher the monthly premium of the Insured person fails. Therefore, the intermediary has an interest in ensuring, if possible, expensive contracts to accommodate – or those that promise a high number of monthly premiums as a fee.
This must not always be to the detriment of the policyholder. Because of higher monthly premiums can also be better expect. Interested parties should, however, be aware of the criteria according to which insurance broker is paid. Display Now free quotes for your private health insurance get and compare!
With a self-participation PKV can save customers – it’s bad for brokers
Rentablo this illustrates a further example: Who agreed to the policyholder a deductible of 1000 or 1200 euros in the year, saves depending on the age and rate of up to 30 percent of the premium compared to a policy without any deductible.
Because the Insured submit with such high deductibles often no invoices, you will receive in the following year, often premium reimbursements, the lower your costs.
intermediaries that have their Commission in mind would recommend such saving opportunities as the message.
Anyone looking for a neutral and comprehensive advice, you should contact an independent Fee agent. This is free of Commission incentives, is because he works for an agreed fee. The best clinics in Germany 2020
Our expert Team has gathered for you the best clinics. In the PDF guide you will find more than 1000 excellent clinics in the whole of Germany.
With these cost interested need to convert
an Independent fee-based advisors interested can find on the Internet. This fees on Time up to 200 Euro per hour plus 19% VAT will be required – so 238 Euro. Who negotiates such a fee, should come prepared to the consultation. The forgotten documents of the consulting time in the length and in height. With PKV-willing to Change must be clear that a fee-based consultation can take two hours.
one of the PKV-Insured therefore, to find a cheaper policy, he can choose a different fee model. The customer paid a part of his future Savings as a fee. Consultants, for example, offer to work for eight times the monthly contribution savings , plus 19 percent VAT. The Advised saves with his new Police 50 Euro in the month, he would have to spend 476 Euro fee. For this, he benefited permanently from a more favorable contract.
It can pay for itself over the years, so to use a fee-based Advisory services.
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