Exemption from compulsory pension insurance: pension funds as an alternative

More and more self-employed people in Germany are choosing not to pay into the statutory pension insurance scheme. Reasons for this include the lack of flexibility and the poor returns of the state insurance scheme. But what alternatives are there?

One option is the so-called pension funds for the various occupational groups. These offer self-employed and freelance members an occupational pension scheme tailored to their needs. Members’ contributions to pension funds are deducted from their income taxes and the returns are often higher than with statutory pension insurance.


Mourning the loss of erich kuzel – a broker who changed lives

Erich Kuzel was a renowned insurance broker and a friend to many of his clients. He worked hard to get the best possible deal for his clients. But today, news of his sudden death has arrived, causing a sense of sadness in the community.

As an insurance broker, Erich Kuzel helped many people make important decisions and protect themselves against unforeseen events. Many of his customers will miss his expertise, warm words and good advice. His loss is not only a loss to his family and friends, but also to those who knew him as a broker.


Motor insurance year 2015: leaseplan takes stock

Last year, car insurance companies in the German market underwent major changes. LeasePlan Corporation, one of the largest providers of vehicle leasing and fleet management, recently released its 2015 financial statements. This included analyzing and highlighting developments in motor insurance.
How did the rates and benefits of car insurers develop in 2015? What impact did this have on LeasePlan’s customers? These and other issues are highlighted in this article. Particular attention is paid to the factors that have influenced prices and performance.
It also summarizes LeasePlan’s experience in dealing with insurance companies and offers recommendations for action for companies and consumers looking to purchase car insurance in the coming year.

About LeasePlan – who are we?

LeasePlan is a company specializing in the financing and management of vehicle fleets. Since its founding in 1963, the company has become one of the largest players in the market and today manages more than 1.8 million vehicles worldwide. LeasePlan operates in more than 30 countries and employs more than 8.000 employees.


Animals as living beings: liability for damage caused by pets

The assumption that pets are merely things has always led to debates in connection with compensation for damages. But as the role of pets in society has changed, courts have also changed their attitude towards animals. In Germany, the Animal Protection Act has been in force since 2013, which recognizes animals as living beings and promotes their protection – even in cases of damage.

This legislation entitles animals to greater protection and compensation if they are victims of negligence or violence. In the case of damage caused by animals, it is important to note that animals are not things and therefore must not be treated as things.


The new approach to paying employees and freelancers

The Corona pandemic has forced many companies to adopt new approaches and adapt to changing circumstances. One aspect that plays an important role is the payment of employees and freelancers. While traditionally fixed salaries were paid on a monthly basis, a new standard is now becoming more prevalent.

We are talking about a flexible model, where payment is made according to the work performed. This brings benefits to both employers and employees. On the one hand, this can save costs and better manage staffing levels. On the other hand, employees and freelancers are being paid fairly for the work they actually do, regardless of the hours they work and their presence in the office.


Bayer faces class action lawsuit over contraceptive coil

The pharmaceutical company Bayer is facing a class action lawsuit related to its contraceptive coil, Mirena. Plaintiffs accuse the company of concealing serious side effects.

The Mirena IUD has been a popular contraceptive among women for years. But more women are reporting adverse effects such as pain, inflammation and migraines. In the U.S. and Canada, more than 3.000 women filed lawsuit against Bayer.


Going to hospital in austria

Austria is a country where the healthcare system is highly developed and accessible. When it comes to medical treatment, residents and visitors to the state are well served. But what happens if you have to go to the hospital? How the system works in Austria? In this article we will look at the topic of “Going to hospital in Austria” deal with and give you an overview of how the system works.
In Austria, the health care system is organized by the health insurance companies. Most residents are insured with one of these funds and are entitled to free medical treatment if they become ill. When it comes to hospital treatment, there are two types of facilities: government and private. Both offer highly qualified medical care and state-of-the-art facilities.
If you need medical treatment, you usually need to see a family doctor first. This doctor will examine you and then refer you to a hospital if necessary. In emergencies, you can go directly to the hospital and be treated by an emergency doctor. In any case, medical care in Austria is of a high standard.
In this article, you will learn everything you need to know about what to do if you need to go to the hospital in Austria. What options are available, how does the system work and what do you need to consider? Read on to learn more.

Reasons for hospitalization in Austria

In Austria there are several reasons why people need hospitalization. A common reason is acute or chronic illness, such as cardiovascular disease, diabetes or cancer. Many of these conditions require medical treatment and monitoring that can only be provided in a hospital setting.


Damage in legal protection – tips and hints for the worst case scenario

Imagine that you have chosen a legal expenses policy and are involved in a legal dispute. You assume that you are protected by the insurance and that all costs are covered. But suddenly you discover that the damage is not covered by the insurer. Such a case can quickly lead to a financial burden.
To avoid such cases, there are certain steps you can take. In this article we will give you important tips and hints to act correctly in the event of a claim. In addition, we will explain which factors contribute to how you can choose the right insurer in order to be protected in the best possible way in case of emergency.
It is important to read your legal expenses policy carefully and understand what is and is not covered. How to be best prepared in the event of a claim. Read on for even more useful information.

What is actually a damage in legal protection?

In the context of legal expenses insurance, a claim is an event that results in financial loss. Specifically, this means that the policyholder can report a claim to the insurance company if he or she needs to pursue a legal dispute and incurs costs as a result.


Car insurance: change by the 30. November 2015

Car insurance is an important matter for every motorist. From liability to comprehensive, there are different rates and benefits to choose from. But how to find the best car insurance for you?

An important aspect here is the price. There can be big differences here, depending on which provider you are insured with. To save money, it may be worth switching car insurance companies.


Caq user heraeus: quality with bright prospects

Caq user heraeus: quality with bright prospects

The importance of Computer Aided Quality (CAQ) continues to grow in many industries. A powerful CAQ system is also used at Heraeus, an internationally active technology group with a focus on precious metals and materials.

The use of CAQ applications enables extensive automation and standardization of processes and ensures the quality of manufactured products. Heraeus uses Babtec’s CAQ solution, which records and evaluates all relevant quality parameters.