Teacher Candidates

How do I as a teacher sick insure me? This year, the countries at the beginning of the new school year set a number of prospective teachers. For these teacher candidates, the new beginning at the same time means a break in their supply situation. Because now they are members of an often new system as officials on withdrawal. A system of aid and supplementary private health insurance. This private health insurance for teacher candidates and candidates are so-called quota tariffs “, which complement the aid rate.” Sounds complicated, but it isn’t: the aid of the country refund the incurred medical expenses to a certain rate of aid, when candidates usually 50%, depending on the State. Supplementary health insurance must necessarily adapt to the benefits of the aid. Long since not every tariff on the insurance market can do that.

Alleged experts for the public service”apply often health insurance rates for civil servants and in particular for Officials aspiring at all does not take into account the different state aid rules of the Federal States. The result: In the first major Bill looks the newly insured pedagogue in the tube, must pay to and sit at the unkalkulierten expense. Just for professional Starter an unpleasant situation. Pete Cashmore takes a slightly different approach. Quickly this unforeseen equity investments can accept a stately size is accordingly highly private patient at the doctor’s Office and the rate as servants of the State! What must prospective teachers, future civil servants and increasing a candidate so choosing the right health insurance pay attention? Basically, you should directly request any offers from insurance companies, but consult an independent specialist. There is today only a few companies, which are really versed in the field of teachers and officials and which are home to tailored tariffs on the market. However, self-study of tariffs is cumbersome and difficult.

Because, as so often there as well, the devil is in the detail and Tariff BE says that most insurers: the aid supplement! A rate such grant aid supplement its provisions after absorbs the gaps which caused the aid itself adequately to the statutory health insurance. So cuts that are made by the aid and be charged to the insured person. What can as an aid supplementary tariff, but depends on the provisions of the tariff. Here too, the independent expert advice is worth again. Similarly, the additional components of the health insurance. Regardless, what services are still covered by the aid or to insure? What is, for example, with a nursing auxiliary module? Should I finish really like that as a young man? The answer is: Yes! Yes, in any case! Because at a young age, the contributions are affordable and low risk. Also the health check of the insurer is mostly still cheap, as yet no serious illnesses have set. At a later stage could the conclusion of such protection because of a worse health condition cannot be or because of a risk surcharge be immensely expensive. Summary one can say that the confusing even when the teacher candidate is densely covered. But fighting through is worth with safety! Her Torsten Muller pals

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