Stop My Golf Clubs From Rusting

Halle introduces new tariff level NK bonus with guaranteed repayment at a hair transplant

In a recent blog post to have rebates I already explained the different models. Since there are in addition to performance-based pay (which can be just deleted also ) also models with guaranteed, that is contractually agreed repayment.

are known, to name a few, here are the rates at that Zurich Insurance (DKV today) with the M4-BR4, the Hanse Merkur with the ASZG, Gothaer with a kind of health bonus and rates for the Munich club . The Halle's health insurance has the bonus Primo is already such a tariff level in Program.

now leads the Halle medical insurance also in their "TopTarif" NK such reimbursement. As a new tariff level to the tariffs of the NK NK introduces bonus. The insurance conditions are found to be the following rules:

first Bonus

Collective stage NK Bonus pays policyholders for each insured person for each insured month in the Insurance Coverage for NK bonus is, a bonus of 60 €

- is this a maximum bonus of 720 € per calendar year per insured person . Der Bonus wird monatlich auf ein Konto des Versicherungsnehmers ausgezahlt. Voraussetzung für die Auszahlung des Bonus ist die Bezahlung des Beitrags per Lastschrifteinzugsverfahren.

Werden Rechnungen zur Erstattung eingereicht, wird der gesamte jährliche Bonus von 720 € auf den Erstattungsbetrag angerechnet . Dies gilt auch, wenn die Versicherung nach NK Bonus vor Ablauf eines Kalenderjahres endet. Beginnt die Versicherung nicht am 1. Januar eines Kalenderjahres, so ermäßigt sich die Anrechnung für dieses Jahr um jeweils 1/12 für jeden Monat, in dem die Versicherung noch nicht bestand.

sounds great, right? Even before the health insurance contribution of 60 EUR get reimbursed, is certainly a charming idea. Especially for workers makes this as part of the employer contribution and the positive use of same is noticeable, you might think.

The problem in fact lies in the details. By guaranteed repayment also decreases the amount eligible for tax and it will recalculate the payroll tax or an additional payment if necessary. Therefore, this aspect should be considered before the one just on the other hand there is the drawback out, if freedom .

Here are the rates in the same self-involvement levels as the NK collective be present. Ie 0, 300, 600, 1,200 and 3,000 EUR.

Let's look at the pure premium (without a legal contract) times in the different models here:

(NK old deal, each age 30, male / female):

without excess: 419.29 EUR / 499.73 EUR 300 EUR

SB: 333.65 EUR / 443.57 EUR 600 EUR

SB: 279.21 EUR / 396.11 EUR

NK bonus of 720 EUR Bonus: 345.83 EUR / 460.95 EUR

posts each at 30 08. 2010 and likely without the Premium increases in 2011

In comparing the rates should also be taken into account that initially up to the amount of 720 EUR (Bonus Allocation) no bills can be submitted and it makes no sense. Given the agreed excess is expected to do so.

Again (as always):

The refund is not an argument for or against a collective . Whether guaranteed refund and / or bonus performance, or performance-related premium refunds, they are always paid only for freedom. And Health insurance is not for the time where you do not need benefits, but if you need them.
So my tip! insurance comparison worth it!!