What do you know about health insurance?

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Die Wirtschaftswelt rückt immer näher zusammen und Englisch ist die Lingua franca des heutigen Business. Auch Versicherungsvermittler stehen häufig vor der Herausforderung, Englisch sprechen zu müssen. 

Die Gelegenheiten beziehungsweise Verlegenheiten für Versicherungsvermittler, ihre Englischkentnisse anzuwenden, können unterschiedlich sein: Versetzungen an einen Standort im Ausland, Firmenkunden, die ins Ausland exportieren oder dort Tochtergesellschaften unterhalten, englischsprachige Expats, die Versicherungsschutz suchen. Eine Serie von Beiträgen auf versicherungsmagazin.de erläutert Grundbegriffe der Assekuranz in Fragen und Antworten auf Englisch. Der sechste Teil beschäftigt sich mit der privaten Krankenversicherung.

Private health insurance 

What do you know about health insurance?
There are two types of private health insurance in Germany: comprehensive and top-up covers = supplementary benefits/ covers = Hospital and medical expenses insurance.

In GB we distinguish between:
Permanent health insurance and Private health insurance
Permanent health insurance = Insurance against disablement by sickness or accident which is renewable at the insured’s option up to a stated age.
Private health insurance = Insurance to pay the fees for private medical or hospital treatment.

What do you mean by waiting period?
A period elapsing after the inception of an insurance during which, if the event insured against occurs, the insurers will be under no liability.

How are doctors’ bills settled?
First the insureds have to pay such bills themselves, then they submit them to their health insurers and get then their payments reimbursed.

Name benefits of a travel insurance for a single journey.

  • Cancellation cover
  • Medical expenses
  • Daily hospital benefit
  • Personal accident cover
  • Baggage cover
  • Cover for cash and lost documents, such as a passport including additional travel and accommodation expenses
  • Personal liability cover
  • Compensation for delayed or missed departures
  • Legal expenses and assistance

Glossary

Permanent health insurance = Invaliditäts-,  Berufsunfähigkeitsvers. infolge von Krankheit oder Unfall

The author

After many years working in the insurance business (mainly in the non-life sector) and being involved in various teaching activities and projects dealing with textbooks, Dieter Aigner has gathered additional experience as an English trainer on behalf of BWV Rhein-Main since 2009.

Dieter Aigner

Autor(en): Dieter Aigner

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