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reveals exactly how the base rate of private health insurance is – the financial test tips.

Currently uninsured
You can not get rid of. Each private insurer, you must include in the base fare. The only exception: they were insured with the company before, and have lost the contract because you have violated pre-notification requirements. If you are healthy and not too old, you should consider whether a full-insurance rate is suitable for you. This can be cheaper than the base rate.

Voluntarily insured by law
Change as voluntary insurance customers not in the basic rate of private health insurers. First, it is not cheaper and the benefits are not comprehensive. Second, in the statutory health insurance spouse and children without their own income insured free of charge.

Standard fare for pensioners
Switch from the standard fare for pensioners in the base fare. It is comparable expensive and offers less. Couples have to pay the base fare per person fully. In the standard fare for a couple of review is limited to 150 percent of the maximum contribution in public health insurance.

Save review
Do you want to switch to private insured in a better deal because you grow the contributions over the head, you should consider not only the change in the basic rate into account. Check the alternatives. So insured, the contract up to 31 December, closed in 2008, will continue in the standard tariff change for retirees, if they satisfy the other conditions: they must privately insured for ten years and at least 65 years old. In exceptional cases, even 55 years.

Change of the private insurer
As a privately insured person may change in the basic rate of any other insurer in order after 18 months of entering a higher-quality fare. Remember that the insurer does not grant you the better performance is required if you are already ill or become ill during the waiting period. You may also pay high risk premiums. Arrange in any case the results of health testing, you are undergoing now, to apply after the waiting period of 18 months and no new test will be set up if you want to switch back to full price.

Modified standard rate
Were assured in the modified standard rate, your contract on 1 January 2009 converted to the base fare. Note that the difference between the services in the basic rate from your previous tariff.

The new type of class levels for the calculation of premiums in force since October. Current contracts, but they are usually effective only from January 2011. The gallery shows a selection of models that have been reclassified to one or more classes just around – with consequences for the prices of partial or full comprehensive insurance. 20,000 vehicles re-evaluated: the new type classes are there. autobild.de shows which vehicles have changed in the same classification for several classes, which in the worst case with full or partial coverage can be really expensive! ANZEIGEWer paid on it in 2011 liability, full and partial coverage? Who can expect a lower premium? The General Association of German Insurers (GDV) has released the updated type class levels. They are the insurance companies as an index for the risk of damage of a vehicle and are adjusted each year based on the damage caused. The higher the damage from a model, the higher the class type and therefore the insurance premiums. Conversely, the less the damage, the cheaper the type class. Car insurance comparison
Insurance: Compare and Save Free!
Main news: for most of the drivers will change little. The type classes for the motor vehicle liability insurance rates for about 65 percent of all drivers remain constant. The situation is similar in type classes for the fully comprehensive and third party insurance. Of all the vehicles that have been reclassified to the classification changed for the most part only to a class – which means the insurance only small changes. However, there is also a small proportion of outliers. Vehicle types that have been reclassified to the same number of classes.
Car insurance: 33 savings rates in all classes
One of the big losers in the category of liability is about the Suzuki Wagon R with 1.3 94 hp, the four classes was rated higher. Toyota iQ 1.0 with 68 HP deteriorated in the comprehensive insurance to four classes, the VW Multivan T5 California 2.5 TDI with 131 hp was rated higher in the partial coverage even five classes. Among the winners on the other hand is one of the Honda Accord 2.0 GH with 156 hp, which has improved in liability to four classes. In the full insurance of the Renault Megane Scenic was ranked lower with a 90 hp three classes. Our photo gallery shows a selection of other types of vehicles, which this year were reclassified. On the website of the GDV can also query the type of each vehicle class.

In the motor vehicle liability insurance, there are a total of 16 type classes (10 to 25), (34 to 10) in the comprehensive insurance 25 and the partial cover 24 (10 to 33). In the liability insurance the cheapest type of Class 10 is almost exclusively for classic cars – they are only down slightly and still guard their treasures by the holders especially careful driving. By contrast, popular entry-level models are often distinguished by high type classes, as beginners often cause body damage. Our table gives an overview of the type classes of some vehicles from the current hit list of new applications.
A comparison is always worth
The type class classifications are binding as the basis for all insurance providers. What is a liability, comprehensive or partial coverage for a particular car model is ultimately costs, from insurance to insurance differently anyway. As well as the type of classes each company calculates its contributions differently. For each vehicle owner may be worthwhile, therefore, regularly compare the contributions of different providers with each other – especially when the host vehicle is just slipped in a less favorable type class. The time for forced, however – if you want to change providers by next year, the existing car insurance by 30 November terminate!