April 22nd, 2011
Registration for CIRN may appeal to those wanting to ensure that the capital will return to the beneficiary of their choice, without informing the beneficiary of the existence of the contract.
The registration of a contract of life insurance in the file Registration Centre national directory of subscribers is paid (15 €).
Individuals must complete a form stating their name, address of the insurance company, their policy number and the name and address of the recipient.
The updated information in case of change of beneficiary is paid.
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April 20th, 2011
The maker of a life insurance contract is not required to notify the recipient of the existence of the contract.
But if the subscriber designates a person as beneficiary without him saying a word, it may not reach the capital in question.
In fact, insurance companies do not pay capital accumulated automatically on a contract: the beneficiary must first prove his identity and the death of the policyholder.
If money from a life insurance contract is not claimed within 10 years after death, it is lost forever to the recipient.
That is why the CIRN (Registration Centre national directory of subscribers), a private company founded in 1997, encourages subscribers to be registered in his file stating the identity of the recipient (s) chosen (s) .
This file was created on a private initiative as there is no national database comprising all life insurance policies and their beneficiaries.
In 2005, the index file already 35,000 contracts of life insurance, which is modest compared to the 22 million contracts signed in France.
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April 18th, 2011
The primary beneficiaries must apply to the primary health insurance fund (CPAM) of which depended on the insured within one month after the death .
Beneficiaries non-priority feature for a maximum period of 2 years from the death for their application.
The formalities are the same in both cases. You must fill out the form Cerfa No. 10431 * 01 “Application for death benefits” and provide the following:
• the death certificate
• the last three pay slips of the deceased
• An official document showing the relationship to the deceased family book or marriage certificate
• a bank account or bank details
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April 16th, 2011
The right to death benefits is open if, during the three months preceding his death, the insured:
• exercised a salaried activity
• receiving a grant or Assedic was late compensation for less than one year
• held a disability pension or annuity work injury or occupational disease corresponding to a permanent physical disability of at least 66.66%
• existed in maintaining the rights
Note : An unemployed person has the right to life insurance for the duration of his compensation and the next 12 months.
Retirees are not eligible for death benefits, unless at the date of death, they were eligible (cessation of activity recent or ongoing activity).
If the deceased was dependent on another system (public servant or non-employee), must apply to the fund to which he was affiliated for the conditions of obtaining the death benefit.
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April 16th, 2011
Everyone knows how important money is. Money can work miracles, as the saying goes we human people admit money’s importance, but over or less highlights money would be incorrect. Yes we need money to survive, yet we should not live on money, which is not advocated in our sane society somehow, the traditional opinion is that money is not everything, but without money you can do nothing, so we should consider and realize money’s differentiation as a living tool. Money can be earned or borrowed, the previous is the basic but we sometimes can not earn that much money, so borrowing is a selectable way to supply our finance deficit. Loan itself is neutral like payday advance loan, but after your lending of loan, it has chance to prove its dual characters either negative or positive. So as I’ve mentioned before, payday advance loan, also no fax payday loan will be changed its meaning with your utilization on good or bad.
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April 14th, 2011
The death benefit is paid in priority to those who were at the time of death, the dead load, full and effective of the deceased (ie the people who did not exercise a professional activity or were having of the deceased).
Note : When multiple people are priority recipients of the same rank (for example, several children or parents), the death benefit is shared equally.
In the absence of primary beneficiaries, the payment of capital shall be in order of preference:
• the spouse or partner even separate PACS
• or, failing that, to children
• or, failing that, to the relatives (parents or grandparents).
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April 12th, 2011
he death benefit is a payment from Social Security to the relatives of the deceased, to partly cover the costs occasioned by the death (funeral expenses, for example).
The payment of this capital is provided by the life insurance plan for employees under certain conditions.
The amount is equal to three months salary of the deceased.
On 1 January 2010, it can not be less than € 346.20 or more than € 8,655.
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April 10th, 2011
In insurance school, parents have the choice between different options , with coverage of risk more or less extensive.
You can opt for:
- Hedging of risks and risks of school travel
- Continuing coverage (including vacation and sports)
- Special options for travel abroad, winter sports, etc..
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April 8th, 2011
With the school insurance, the child is covered if the victim or cause an accident.
This coverage includes two types of guarantee:
- A liability , which covers all damages caused by the child, provided they are not caused deliberately
- An individual guarantee , which covers damage suffered by the child (she gives a capital in case of death or disability and reimburses the cost of care and, often, transportation).
The insurance also takes care of procedures and formalities .
Categories: Reinsurance |
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April 6th, 2011
Taking out supplementary health insurance is almost essential security , whatever your employment status and family situation.
Indeed, in case of illness, hospitalization or dependence, you avoid paying additional money can be very important.
Besides the compensation of current health expenditure as medicines, complementary is essential to cover extraordinary health costs such as hospitalization or home care, which can be extremely expensive.
In addition, some health care costs are relatively low paid by Social Security, particularly dental and optical expenses.
Coverage by a mutual is very useful for claimants with current expenditures of this type.
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April 4th, 2011
HCG diet is a new way of losing weight which has gained so much reputations through these days. I was once a fat girl who is laborious on doing everything with a fat figure, and my health is poor with a disease of high blood pressure, my family are normal but they concern about me on my weight. We’ve tried so many methods to lose weight but no fruits seen. I’m so anxious about my health and frequently crying in the dark night, but anything, anyone could help, just leave me alone and that will be a bless. But miracle falls on me after I follow the HCG diet which is really works with no doubt. HCG is a fat release program that helps people lose weight in a scientific and healthy way with no training and no starving, you can even eat chocolates while on your HCG diet, wow, I couldn’t believe my eyes when I stand on the automatic weighting scale that I’ve lost 10 pounds in 5 days! I think you should have a try, really.
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April 4th, 2011
The third charge is a system of direct support of all or part of health expenditure by supplemental health insurance.
It can be applied to the purchase of medicines prescribed by doctors and other benefits, including hospitalization costs (with the agreement of support issued by the mutual health).
In practice, the mere fact of presenting the pharmacist’s membership card to the mutual and social security card (Carte Vitale) can pay nothing, because the pharmacist is reimbursed directly by the mutual health and social security.
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