Tourism Ireland to increase spending to €45m

Tourism Ireland to increase spending to €45m

  Niall Gibbons, CEO of Tourism Ireland, tells Aengus Cox that the tourism sector is facing competitiveness issues on numerous fronts

Tourism Ireland is to boost its spending next year by more than a quarter to €45m in an attempt to attract more overseas tourists to Ireland. 

The sector is facing competitiveness issues on numerous fronts, with a Brexit-linked fall in the value of sterling putting pressure on operators here, while a hike in the VAT rate for the hospitality sector will kick in from January.

Tourism Ireland’s 2019 campaign, ‘Fill your Heart with Ireland’, will be rolled out in over 20 markets from January. The chief executive of Tourism Ireland Niall Gibbons said the Irish tourism sector will finish this year “very strong” with revenues up 10% to €6 billion for the first time. Tourism Ireland’s new campaign will launch next month in the US, Britain, France and Germany, and from January will be rolled out in over 20 markets. 

On the main potential growth markets for Irish tourism, Mr Gibbons said that North America has shown incredible growth over the last number of years. “We’ve seen the number of visitors from North America – the USA and Canada – double from one million to two million over the last six years, and the revenue from that market is almost €1.8 billion.” He added that Great Britain “is very large by volume but by spend about €1.45 billion”.


However, the Tourism Ireland head said the “star performer of Irish tourism for the last decade” has been mainland Europe with the region contributing around €1.2 billion to Irish tourism this year. 

Brexit and the weaker sterling that has come with it has made Ireland much more expensive for British tourists over the past two and a half years. “Value for money is the watchword as we head into 2019. We have to watch, particularly in urban areas, that we don’t get ahead of our competitors. We do find that Dublin, for example, is more expensive than competitor cities like Barcelona, Amsterdam, and Copenhagen and we have to be very mindful because we’ll lose market share very quickly,” he said. 

Image result for tourism in ireland

“Market diversification is also very important and we’ve been on that journey since before the Brexit vote, so we have seen markets like North America and mainland Europe receiving higher investment from Tourism Ireland because visitors stay longer and spend twice as much,” he added. 

Mr Gibbons also stressed that although the EU has approved the Brexit deal, “we’re not out of the woods yet. Only this morning EU chief Jean-Claude Juncker told BBC Radio 4’s Today programme: “This is the only deal possible. So, if the House (of Commons) says no, we would have no deal.”

Fáilte Ireland’s Paul Kelly estimated recently that a hard Brexit could bring a €400m hit to the Irish hospitality sector. Niall Gibbons says a no-deal scenario still presents “a very real risk” for Irish tourism.
He added we need to be “prepared to flex our plans. We have had a Brexit taskforce in place in the UK for the last two years, monitoring and keeping a watching eye on consumers’ reaction to Brexit. “But for now this plan is predicated on a deal, getting it done – if that changes then our plan will change,” he added.

MORNING BRIEFS – Swiss-Irish food group Aryzta recorded a welcome 0.3% revenue increase in the three months to October to €862m. It comes as the company, which owns Cuisine de France, is in the midst of a cost-cutting programme as it attempts to reduce debt and restructure. Earlier this month Aryzta shareholders narrowly approved a €790m share issue to shore up the company’s balance sheet.

*** Online sales for Black Friday in the US rose by more than 23% to over $6 billion when compared with last year, while on Thanksgiving sales grew by 28% to $3.7 billion. Transaction data from 80 of the top 100 US retailers also show in-store sales fell by up to 7% on 2017 figures.

*** Eight out of ten legal firms here have no Brexit plan in place, according to a report by professional services firm Smith & Williamson. The study also found, that of the Top 20 largest law firms, more than two thirds identify competition from UK firms opening offices in Dublin post-Brexit as a threat to their business.

*** Fáilte Ireland says the 1,500 international conferences its ambassadors have brought to Ireland since 2009 have generated over €760m for the economy. The tourism body’s figures indicate that each conference delegate who comes to Ireland is worth around €1,600.

Is Black Friday causing pain for retailers?

Is Black Friday causing pain for retailers?

Today is Black Friday, the retail event that originated in the US but has made its way to this side of the Atlantic in recent years.

For many it now marks the start of the Christmas shopping period, but for an increasing number of retailers it appears to be somewhat of a headache.

Professor of Marketing at UCD’s School of Business Mary Lambkin said she’s not sure retailers are fully souring on the idea of Black Friday.

“The final quarter of the year in the run-up to Christmas represents around 40% of sales for retailers, so having a good pre-Christmas period is hugely important to their whole year.

“To have something like Black Friday where there’s a great deal of promotion and it builds a bit of excitement and gets the whole season going is actually a really valuable and good thing for retailers.

“But, in order to deliver on that obviously it has some headaches, for example if you get a big spike in sales … you have got to have stock to meet that.

Ms Lambkin says this can raise questions such as where will the stock will be stored and what if it doesn’t sell out.

She added “by having to give discounts, you’re having to give away your profit margin and you would prefer to sell at normal rates obviously”.

On whether or not sales events for Black Friday are actually creating new sales as opposed to just compressing demand into specific time frames, the UCD lecturer says there doesn’t seem to be “any real research that can prove to me that there is actually a net increment in sales for retailers.

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“But most people would say for instance that they have a budget for their Christmas spending and they distribute that then according to what they need and what they want to buy over the whole period and some of the money they keep for the January sales.

“So, a lot of it is to do with just moving it around rather than actually adding a huge amount in sales.”

There is an ongoing shift to online sales from bricks-and-mortar retailers. Ms Lambkin said this shift is going in favour of online at a rate of 20% a year “and it’s not going to change any time soon”.

She added that about 12% of all retail purchases are now made online and that about €5 billion annually out of €40 billion in retail sales in Ireland “is now going online and about 60% of that five billion is going out of the country”.

She said that is a major leakage and is causing a lot of pain for retailers here. 

What are the most common brain diseases and how to prevent them?

Resulta ng larawan para sa health threats

July 22 is World Brain Day . This part of our body is considered “the king organ”, since it is like the center of operations that governs our body and important functions such as breathing and heart rate, perception and movement, emotions, learning and planning. That is why we would like to tell you about some of the most common diseases and disorders suffered by this important organ and how to prevent them. We tell them based on their cause.

  1. Metabolic diseases

When there are metabolic diseases, these can cause great damage to the brain if they are not treated early, since this organ is deprived of essential elements for its development. An example is phenylketonuria, a disease that is due to the lack of an enzyme called phenylalanine hydroxidase. This prevents phenylalanine from being metabolized into thyroxine, causing the former to accumulate toxicly in the nervous system.

  1. Trauma

Cranioencephalic traumatisms can cause certain conditions in the brain due to the consequences of both the blow and the backlash that occurs in the opposite part of the part of the brain that receives the blow, when bouncing against the skull. These can be:

  • Brain infections
  • Strokes
  • Hypersensitization of some neuronal groups resulting in epilepsy
  • Rupture of neuronal connections and diffuse brain damage
  1. Neurodegenerative diseases

These diseases cause a progressive deterioration of the nervous system and neuronal death, these being irreversible. All this has an impact on the cognitive performance of the individual, so that he gradually loses his faculties until his death. The best known are:

  • Those that are included in the group of dementias that mainly affect the brain, such as Alzheimer’s; or diseases that cause them like Parkinson’s.
  • Those that affect the whole nervous system such as multiple sclerosis and lateral myotrophic sclerosis
  1. Epilepsy

Epilepsy is due to an unbalanced functioning of neuronal groups, which are hypersensitized and react abnormally to stimulation. This causes the person to suffer alterations such as:

  • Crisis
  • Sudden loss of consciousness
  • Difficulties of memory or anomie
  • Alterations in executive functions

The origin of this disorder can be found in a large number of conditions such as injuries or accidents, encephalitis, strokes, tumors or malformations. In some cases its origin can not be determined.

  1. Neoplastic diseases such as brain tumors

A tumor is an uncontrolled and expansive growth of the tissues of some part of our body, they can be benign or malignant and cause a great variety of symptoms depending on the affected area. In the brain, although the tumor is not carcinogenic, it can be dangerous since it causes a compression of the tumor against the skull.

There are different types of tumors according to the cell from which they arise and the degree of malignancy. Some examples are: astrocytomas, oligoastrocytomas, ependymomas and glioblastomas.

  1. Diseases and genetic alterations

These have their origin in genetic factors that alter the functioning and morphology of the brain, to mutations in some gene and usually manifest from early stages of the development of the individual. Some examples are:

  • The fragile x syndrome
  • Down’s Syndrome
  • Alterations in neuronal migration that occurs in fetal development
  • Huntington’s disease: neurodegenerative disease characterized by changes in personality, involuntary movements and progressive loss of executive functions.
  1. Diseases caused by an infection

The presence of infections in the brain can cause problems in its functioning because the brain is inflamed and compressed against the skull:

  • You can stop receiving substances that you need.
  • It can increase the intracranial pressure.
  • It can be affected by harmful substances that affect its functioning or produce a neuronal death.

Some of the most common disorders are:

  • Encephalitis (inflammation of the brain), whose symptoms are: fever, weakness, malaise, irritability, fatigue, seizures or even death.
  • Meningitis or inflammation of the meninges surrounding the brain.
  • HIV infection or syphilis
  • Creutzfeldt-Jakob disease: disease caused by an infection caused by prions or proteins without nucleic acid. It causes dementia.
  1. Cerebrovascular diseases

These are produced by an alteration in the functioning of the network of blood vessels that supply the brain and provide oxygen and nutrients to the brain. This malfunction can cause death of brain areas that depend on the affected vessels and location. Within this type of alterations we can find two types:

  • Ischemia: the obstruction of a blood vessel, usually due to embolic or trophic accidents.
  • Hemorrhages: bloodshed over brain areas, mainly due to ruptures of cerebral aneurysms.

Behind coronary heart disease and cancer, stroke is the most common cause of death in industrialized countries. These pathologies result in a series of sequelae that will affect the functionality and quality of life of the patient.

The most common causes with stroke and anoxia.

  1. Migraines

This pathology is very frequent in the population. It presents as a type of recurrent headache of variable intensity. It usually produces a throbbing and / or throbbing sensation and usually affects one side of the head. Other symptoms are:

  • Sickness
  • Vomiting
  • Sensitivity to light, smells or noise.

These are the most common conditions that our brain can suffer, an organ so important for our daily functioning. To prevent them or to put an effective and early remedy, we advise you to have at hand a health insurance with all the medical coverage you need. And enjoy a good summer reading.


Lack of doctors: Medical students doubt the country doctor rate


Medical students doubt the country doctor rate

Resulta ng larawan para sa medical

Lack of doctors is an increasing problem, especially in rural areas. The policy wants to counteract this, inter alia, with a country doctor rate in the admission to studies. But today’s medical students see this solution critically. Instead, they demand more support for future doctors. Telemedicine can also help to ensure supply in the countryside. >  Lack of doctors becomes a problem, especially for older patients

If you have a medical condition, do not hesitate to visit the family doctor – this is not easily possible for many people in Germany. Because in rural areas, a nationwide supply of general practitioners is no longer guaranteed everywhere. Family doctors who retire, sometimes looking for a long time for a successor and are sometimes not at all. Practices must then be closed and patients have long journeys to the nearest family doctor. The problem will worsen over the next few years, as in many places older GPs who are about to retire are practicing.


Against lack of doctors: The policy has a master plan

Above all, the government wants to counteract the shortage of doctors in rural areas with the so-called Master Plan for Medical Studies 2020 . Among other things, this stipulates that, in the case of admission to studies, a certain part of the study places is preferably awarded to those applicants who agree to work in the countryside after their studies. At the same time, applicants should also be given a study place whose high school diploma would otherwise not have been sufficient for admission . The master plan is expected to be passed in March of this year in a federal-state agreement.

Students see in Landarztquote the wrong means

This Landarztquote is controversial. On the one hand, experts fear new opportunities to sue for a university place. On the other hand, it limits the free career choice of doctors . The Federal Agency of Medical Students (bvmd) also sees the plan as highly critical. Opposite spokeswoman Carolin Siech the concerns of the bvmd: “We students are convinced that with a country doctor quota only the reasons for the country doctor shortage would be concealed. In order to tackle the problem of impending medical shortages in rural areas, on the other hand, a significant increase in the attractiveness of continuing education and working conditions for doctors in rural areas is needed. “

Medical students shy away from economic risk

The Medical Association Marburger Bund has investigated in the MB-Studi-Barometer 2016, why so few young physicians decide for the Landarzttätigkeit. To this end, 1,756 students were interviewed. Thus, it is not just rural work that scares off future physicians. Also, the branch as a family doctor is unattractive for many students as a perspective . As reasons are often called “worse financial conditions and too much bureaucracy”. For example, one of the replies states, “Many of my generation later want to work in a team, and often they do not dare or simply can not imagine assuming responsibility as a single person for a practice.”

Accordingly, only 12 percent of respondents want to work later in a community or small town with less than 20,000 inhabitants . Carolin Siech therefore emphasizes that “reducing bureaucracy, ensuring adequate working hours and reconciling work and family life” are important means of ensuring nationwide medical care in the future. In addition, there must be sufficient continuing education programs for rural doctors so that more medical students can opt for this career path.

Telemedicine as an opportunity for medical care

According to Carolin Siech, in addition to improving working conditions, there are other ways to strengthen rural supply. This includes, for example, a better delegation of tasks : “It is conceivable, for example, that qualified field workers make wound photos on site, which the doctor can evaluate over the distance, and then initiate further local steps in real time.”

The federal coordinator for health policy of the bvmd, Jana Aulenkamp, ​​sees in such forms of telemedical care an opportunity for the “low-threshold use of medical services”. Accordingly, “video consultation hours can be a useful supplement to save long driving time in the countryside, in which one can not pursue his medical work.” Not only the doctors would be spared it routes. Even patients could do without long journeys.


What should be done in the face of a serious illness

What-you-must-do-before-a-disease-serious.jpgDiseases, of whatever size and type, always destabilize our emotional and, in addition, financial health. Health is always a sensitive issue and also harms all members of the family, not just those who suffer it. Have you ever thought about what you would do in the face of a serious illness? Either yours or a family member. And of course it’s not that we’re looking forward to it, but thinking about things in advance can help us create an action plan if necessary and avoid any kind of crisis. The diseases always arrive without warning.

It is normal that although you are not the one who suffers the illness, you feel bad emotionally, but before knowing what to do in the face of a serious illness, it is necessary to be very clear and very present that you can do a lot to help him. Of course to help you need to be informed about the disease, although sometimes you can help a lot just by telling you that you are there or being your company to medical consultations.

Now, let’s see what should be done to a disease of these once it has been diagnosed:

  • Get as much information as possible: It is necessary that, through different doctors and specialists, review the case and obtain as much information as possible. This will help them to face the disease more naturally, always showing support and the best disposition for the cure.
  • Seek psychological help: The best thing is for the patient and the people around him to take this type of therapy. The specialist will help you to release your emotions because saving them will be counterproductive. In addition, you can provide alternatives to face the situation.
  • Take care of your health: If one of your close relatives is the one who is sick, you should also take care of yourself and keep an eye on your physical and emotional health. Remember that these situations generate variations in the body that can cause health problems, for this reason is that you should also be aware and visit a doctor.
  • Be patient with those who suffer from the disease: This will be part of the work done by the therapist, but it also comes hand in hand with the information you get. Maybe there will be times when the patient has emotional outbursts, be empathetic and have the patience and wisdom to face the situation.
  • Do not neglect your activities: Although it is a little complicated to concentrate and not abandon everyday activities, it is necessary that you continue in them. Maybe you have to modify schedules sometimes, but remember that keeping your life the same is healthy for you.
  • Go to different specialists and opt for the best treatment: Having different medical perspectives is the most advisable in cases of serious diseases. You can compare diagnoses and opt for the treatment that is best for the patient. You can accompany the medical treatment with an alternative one and also, with psychological help. Remember that health and the body are very complex and it is important not to neglect any of its elements.

Even when the subject of specialists and medical treatments turn out to be very expensive, in health resources should not be spared. The best always, is to go with the best. If you are looking for a fast and safe loan to be able to finance the expenses, in the company where you work, ask for Credifiel. You will see that we are your best option.

Occupational disability insurance: Physicians exposed to particularly high levels of stress


The risk of disability for doctors


Doctors are exposed to a particularly high daily stress in their profession. They have a steady responsibility for the lives of others, have to perform night duty and overtime, and often be available and available on-demand within minutes. The physical and above all mental stress is very high . This fact also increases the risk of occupational disability.

A study by the German Physicians’ Insurance (as of 03/2015) shows that around 31 percent of non-occupational doctors are due to a mental illness . In 29 percent of all doctors affected by occupational disability, cancer is the reason why they can no longer pursue their profession. Every doctor should be aware of this risk and provide early care in the event of disability.

Pension scheme vs. private occupational disability insurance for doctors


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The occupational disability cover for physicians is paid in addition to a possible and small share of the state disability pension, in the first instance by the professional care. Doctors are required by law to become members of a pension scheme . An additional financial security through a private occupational disability insurance makes sense for physicians and takes place voluntarily.

  • costs

A pension scheme is obliged to insure the doctor even if he already has previous illnesses. In contrast, the private occupational disability insurance carries out a risk assessment with health issues and can refuse to conclude a contract . For both forms of pension contributions are due. Doctors should conclude private occupational disability insurance as early as possible: the lower the age of accession , the less insured persons have to pay for their protection.

When concluding a private occupational disability insurance, physicians should make sure that the insurance cover for occupational disability at least until the planned retirement . Although a short insurance period is accompanied by cheaper premiums. However, a contract period up to the age of 60 is clearly too short , as most cases of incapacity to work for physicians occur after this age.

  • Services

The main difference between pension scheme and private occupational disability insurance lies in the conditions for the payment of the disability pension. In contrast to occupational disability insurance for physicians, a pension scheme often only works when the doctor is 100 percent unfit for work in all medical activities or when he can no longer secure his subsistence level . For example, if the member can no longer practice his profession as a surgeon but is still able to teach prospective specialists, the pension fund will not pay any pension.

By contrast, most private occupational disability insurances pay doctors a BU pension when they become at least 50 percent unfit for work for a minimum of six months . This is the decisive advantage of private occupational disability insurance for doctors. While a partial occupational disability occurs much more often , it rarely happens that a doctor can no longer work in his professional field at all. The private occupational disability insurance therefore helps physicians more often than the pension scheme.

Infection clause important addition to doctors

Some occupational disability insurance policies for doctors include the so-called infection clause in their policies. Thus, the insurance can also provide benefits in the event that the doctor is not allowed to work in his profession due to a danger of infection emanating from him. The ban on official activity must last for at least six months for most providers. The exact conditions of the infection clause can vary from insurance to insurance, but in principle it makes sense.

A disadvantage, however, is a so-called reorganization clause in occupational disability insurance. Doctors should be careful that the insurance company can not refuse the occupational disability pension, for example, by requiring a staff restructuring of the doctor’s practice or a company reorganization , which could abolish the occupational ability again. Another clause that private occupational disability insurance should under no circumstances include is the abstract reference. Again, the insurance can deny the disability insurance benefit and refer the doctor to the exercise of another, reasonable job .

Why is a disability insurance for doctors worthwhile?


In order to take up their profession as a doctor, the standard period of study is longer with medical doctors than with other academics . This is followed, as a rule, by years of training as a specialist . Throughout the duration of medical education, doctors are already investing a lot of time and money to achieve their career goals . If you would like to start a practice later on, you will usually need a loan from the bank, which must be paid off in the following years. The professional path of most doctors is therefore characterized by a very high temporal, nervous and financial burden . He requires a great responsibility for the lives of other people and a high degree of conviction.

It is all the more painful for doctors if they can no longer pursue their own job due to illness or accident. In order to avoid having to take up another job that does not match their status and qualifications, doctors should provide for private occupational disability. Of the occupational disability insurance physicians are often assigned to the lowest risk group .

This means that they have to pay significantly lower premiums for the same services compared to other occupational groups. The conclusion of a private occupational disability insurance is therefore worthwhile for doctors in many ways. Only a BU policy can prevent the doctor from doing anything other than the profession he has specialized on for years.


Health issues in disability insurance

Important to the health issues


Resulta ng larawan para sa health issues

  • Limited period of health issues
    The health issues in the application for disability insurance cover the previous five to ten years.
  • To answer truthfully and conscientiously
    Do not forget any supposed “little things”. Indicate only the diseases and treatments that are specifically asked for.
  • Take time for answering
    Take the questionnaire home after the broker’s visit or appointment with the fee consultant and do not fill it in on the spot.
  • Ask the family doctor / doctors for your medical records
    This will let you know what health information is stored about you.
  • Have copies ready
    Collect copies of examination results and medical records in order to be able to prove your information in case of doubt.
  • Have the medical record corrected
    Ask doctors for corrections in the medical record if treatments are listed there that have not occurred.

Millions risk inability to work: Around one in four employees has to give up their profession prematurely for health reasons. Lucky in bad luck, if before a disability insurance was completed. In order for the agreed pension to flow, the insurance application must necessarily have been completed correctly.

Because who has answered health questions wrong, goes out in doubt, empty. “There are often quarrels about health issues,” says Professor Wolfgang Römer. As a neutral mediator, the insurance ombudsman mediates daily in disputes between the customer and the insurance company.

Background: Before the insurers offer protection against occupational disability, they subject their customers to a detailed and detailed health check. In addition to age, gender, height, weight, occupational risks (toxins, accident risk) and lifestyle habits (smoking, sports), they are also interested in all pre-existing conditions, chronic conditions and accidents. If the company can later prove that the customer has concealed health problems in the insurance application, they do not have to pay in case of emergency.

This even applies if the occupational disability has nothing to do with the secretive diseases, the Higher Regional Court of Karlsruhe ruled in a recent ruling (Case 12 U 391/04). It was about a woman who undercut the application heart valve defects and high cholesterol and later could no longer work due to a fall.

Take time to answer the health questions

In order not to suddenly stand in retirement without disability, you should answer the health questions thoroughly and conscientiously – under no time pressure! Those who fill out the application together with an insurance agent should check the entries carefully.

What are health issues?


Resulta ng larawan para sa health issues

Health questions are a health questionnaire that policyholders must answer for applying for insurance. On the basis of these questions, an insurance company determines the risk that it incurs in securing the applicant.

The risk ultimately determines the amount of the insurance premium. In addition, insurance companies can use the health questionnaire to restrict or exclude certain benefits. It is also possible that insurance companies reject a claim completely because they are too high insurance risk due to the answers in the health questionnaire.

In these cases, health issues are asked

Health issues are usually used in private personal insurance. If you wish to take one of the following insurances, you must first complete the questionnaire:

  • Disability insurance
  • Disability Insurance
  • Endowment policy
  • Term life insurance
  • Private health insurance
  • Private supplementary health insurance: sickness allowance insurance, long-term care insurance, glasses insurance

The health issues are particularly important in the conclusion of occupational disability insurance, because the insurance has to assume high costs in the case of benefits.

Questionnaire is determined by the insurer

How extensive the health issues ultimately turn out depends on the insurance. The questionnaire can be determined by the individual insurers themselves. Ultimately, they also have to take the risk.

You have to specify this for health issues

In principle, insurance companies can ask you about everything that is necessary in their eyes in order to determine as accurately as possible a disease risk. As a rule, questions about genetic testing are an exception.

For private health insurance, existing test results should not be given. However, life insurers can also demand proof of health status with high cover amounts. As policyholder, you are subject to disclosure under Section 19 of the Insurance Contracts Act.

You must therefore provide information on the following facts:

  • Diseases: Here, the insurer wants to know which diseases have led to a doctor’s visit. Most companies refer to a period of between five and ten years. As “diseases” usually all states are taken that differ greatly from the normal state of health and were in need of treatment. The diseases can be physical or psychological.
  • Complaints: These may be physical or mental health impairments that have affected work ability. This can be a lumbago that was not treated by the doctor but was still there. The indication of complaints is usually not completely clear, because there are usually no medical records for these symptoms.
  • Disorders: The so-called “disorders” include all health impairments that are not yet a disease, but can not be classified as irrelevant. These include, for example, disorders of the musculoskeletal system as a result of an accident or severe wear of the intervertebral discs.
  • Medicines: Policyholders must tell the insurer exactly what medicines they have been prescribed over the last five to ten years and what medicines they need to take on a regular basis.
  • Allergies: The health questionnaire requires precise information about allergies.
  • Weight and age: Of course, these two factors also play an important role in the application.
  • Addictions: The health questionnaire usually also contains information on cigarette or alcohol consumption. In addition, you must specify whether you were already addicted.
  • Infections: You are required to provide information on infectious diseases such as HIV, hepatitis or other diseases.
  • Surgery: All operations, either outpatient or inpatient, are recorded in the questionnaire.
  • Condition of teeth and jaw: Depending on the insurance rate, you must also provide information about your teeth.
  • Information about rejections: As a rule, insurers ask if they have already been refused insurance. You can also retrieve this information via the HIS.

The insurance company may also request more detailed information on each question in the health questionnaire. These include specific names of diseases, names of treating physicians and results of examinations.

Resulta ng larawan para sa health issues

Ask questions in advance about the health questionnaire

On the homepages of the insurance companies, you can usually find out about the respective tariff conditions as well as possible health issues. However, insurance companies usually only issue their questionnaires when you make a specific application. It is not recommended to answer the questions quickly!

Wrong information: what can happen?

In the case of insurance contracts, the policyholder is subject to the so-called “disclosure obligation” in accordance with Article 19 of the Insurance Act:

19 VVG

“Until the submission of the contract, the policyholder shall inform the insurer of any known risk circumstances that are relevant for the insurer’s decision to conclude the contract with the agreed content and for which the insurer has requested in text form. If the insurer asks the policyholder for a contract, but before the acceptance of the contract questions within the meaning of sentence 1, the policyholder is also obliged to report. “

A pre-contractual obligation to provide information exists if you deliberately conceal information about the illness or treatment. For example, you commit a breach of contract by failing to report abdominal surgery or regular back pain.

The obligation to notify includes not only all illnesses that were in need of treatment, but also the symptoms that you regularly suffer and that, for example, have led to incapacity to work.

Possible consequences in case of incorrect information

Policyholders must always expect consequences in case of false information, irrespective of whether the information given was inadvertently or unintentionally.

  • Amendments to the terms and conditions: If an insurer finds that your information in the questionnaire was incorrect, it may adjust the terms of the contract because of the higher risk and, for example, exclude benefits or increase the contributions. It is also possible a refund of already performed services.
  • Termination: In the case of deliberate fraud, the insurer has the right to terminate the policy. You will then also have to reimburse services that you have already received.

If the insurer has changed or terminated the contract, you have the option to file an objection or withdraw from the contract yourself.

Confidentiality does not apply

By signing the insurance application, you will release all doctors you have treated from confidentiality. The insurance will therefore quickly discover any false information or errors.

Anonymous trial application or risk request

With the help of an insurance broker, you can ask an insurance company for an anonymous trial application with your health questions. In this way, you can compare offers that are specifically tailored to your health. In the case of a refusal, this is not entered in the HIS, a credit bureau for risks for insurers.

Period influences conflict potential

Unfortunately, it happens again and again that some intermediaries are frightened by uncomfortable information out of concern for their commission. In the case of pre-existing conditions or chronic complaints such as back problems or allergies, it is advisable to enclose a copy of the medical record with the attending physician.

Some companies want to be informed about the disease history of the past ten years, others are content with five. As a rule of thumb, the shorter the period, the lower the dispute potential!

Additional check in case of emergency: Many customers are sure to know as soon as the company has accepted the application. “Often a costly error,” Professor Römer knows: “Whether the health questions were answered correctly, the insurance usually checks only if they should pay in case of damage.” Was cheated or flogged when completing the customer pays for years in vain for free premium ,

Limitation period for incorrect information at 10 years

The limitation period for false information is ten years. Within this period, the insurance company has the right to re-examine your information and to take action in case of errors. It often happens that the insurance only checks all information from the health questionnaire again in the case of benefits. If you have made incorrect or incorrect information many years ago, you can expect a refusal of insurance benefits.

There are exceptions

If the application is incomplete or if there are obvious contradictions between individual statements, the insurance company must immediately complain – or pay later anyway. Incidentally, insurance customers can not rely on medical confidentiality. With the signature under the insurance contract the doctor is released from it.

Insurance without health issues

There are various personal insurance such as disability insurance, which is also offered without health issues. In these cases, insured persons with previous illnesses can nevertheless benefit from the insurance cover. However, they then have to reckon with higher premiums or exclusions.

Simplified health issues are also possible with endowment life insurance or disability insurance. The questionnaire is shortened significantly. In this case too, insured persons must pay higher premiums.

In addition, there is the possibility of a shorter polling period for policyholders under the age of 30. In this case, for example, the health issues only relate to diseases of the previous three years.


Resulta ng larawan para sa health issues

Disability insurance without health issues

A judgment of the Federal Court of Justice (BGH) has opened the way for a BU without health issues with a ten-year waiting period.

The verdict was about a man who had not indicated Parkinson’s disease in the health questionnaire. Because of this illness, he was later unable to work, so the insurance had to afford. She initially denied the performance, as she fraudulently suspected deception. However, the widow of the late deceased man complained against it. The case ultimately went up to the BGH. There the woman got right. The reasoning of the court: The ten-year period for an appeal had expired, even though the benefit claim had already occurred earlier.

On the basis of this judgment, considerations have now developed to introduce an occupational disability insurance without any health check. On the other hand, policyholders must take account of a ten-year waiting period within which they do not enjoy insurance cover.

The time has come for this product to be available. To date (as of October 2016) there is no corresponding provider.

questions and answers


Resulta ng larawan para sa health issues

What is the procedure for not forgetting anything essential and answering insurers’ health questions correctly?

Contact all the doctors you have visited in the last five to ten years and ask them to send or copy your medical records. Also, take time to answer the questions. The more details you can specify, the better.

Can not the insurer simply obtain all the information for the client when making the application?

For the insurer, getting all the data would mean a huge amount of administrative work, which is already provided by the questionnaires. So he would first have to identify all the doctors for whom you were to the examination. For this, the insurance company would each require a release from you. Paragraph 19 of the VVG further simplifies the work of insurance companies, since you are then responsible for the right information.

What should I pay attention to when completing the health questions?

Answer all questions in detail and with all important details. However, answer only to the questions asked and not beyond.

What are not open health issues?

Non-open health questions can be answered with a yes or no. For example: Have you had surgery in recent years?

What are simplified health issues? What are the advantages and disadvantages of these?

Simplified health issues mean a much stripped-down list of questions in which only key health questions need to be answered. For the policyholder this is an advantage, as he has less to reveal to his health. One disadvantage is usually higher premiums. For the insurance company, the shortened health issues mean less administration. In return, they take a higher risk that they pay with risk premiums.

Do I have the right to request or view my medical records to find out which diseases have been treated?

No matter where you have been treated, you have a right to receive or view your medical records. These include, for example, doctors, naturopaths, psychologists, speech therapists, physiotherapists or hospitals.

Where can I get help or information if I have questions?

If you have questions about your health questionnaires, you can contact the Consumer Centers or get help from an insurance broker.

The 5 best things to fight stress

If you change your habits for actions that help reduce the symptoms of stress in your daily life and detect what makes you angry, you will have an idea of ​​what are your best options to lower your stress levels.

How to identify situations that can cause you stress

Do you think you are a constant victim of tension and stress?

You can detect these emotions with this simple picture that will help you take a first step towards tranquility.

How stress manifests in your body

If you answer these questions sincerely, you can detect what situations in your daily life can trigger your tension and other negative thoughts. Recognize when your body enters stress will form and strengthen you to give a quick solution to your emotions.

What changes do you notice in your body when stress comes to you?

You will notice several changes with which you will be very uncomfortable and that may interfere with your work performance. Some of these symptoms are:

  • Body sweat
  • Stress in the throat
  • Act sadly and without energy
  • Frequent problems with other people
  • Guilty feeling
  • Restless breathing
  • Palpitations in the heart
  • Stress in arms, back, shoulders
  • Headaches or migraine
  • Problems sleeping

Loss of appetite or eating too much

  • Sensation of nerves and a lot of restlessness
  • Generalized fatigue

If you identify two or more symptoms, it is time to ask yourself what is the situation that worries you and what thoughts are the first ones that come to your mind when you enter stress.

Sometimes, thoughts come spontaneously. It is so fast that we do not realize that we have entered into stress. Identifying them is the first step in differentiating between positive thoughts.

Now that you know how stress manifests in your life, it’s time for you to know the 5 things that can help you lower your stress levels.

  • To avoid stress, you can take an agenda to sort your priorities and make the most of the time. This way you will avoid that you forget something.
  • One of the best ways to get all your stress out is by exercising. You do not have to pay for the gym, even if you run for half an hour in a park or you go dancing, you can move your body to reduce the effects of staying in the office all day. The point here is that you take out all your energy.
  • Do not be so demanding and celebrate your effort. Consent has nothing wrong: it is a reward for everything you have worked to achieve your goals. Give yourself an afternoon of music and reading in your house or go for that ice cream that you want so much to try.
  • Sacrificing hours of sleep can be counterproductive to your physical and mental health. Unwinding and sleeping a few hours are some of the main causes of fatigue and bad mood. Recover with 7 hours of sleep a day. Watch a movie or read a book before bed and avoid using the cell phone an hour before going to bed.
  • Keeping your personal spaces in order can increase your levels of happiness and decrease your levels of tension. Having dirty your room or your house can cause demotivation and make you feel with little energy. The best thing is to clean!

These tips have the potential to improve your quality of life if you follow them correctly.

Doing them at the same time can guarantee greater levels of concentration and happiness in your daily life and will translate into actions that will change your lifestyle.

The effect of long-term stress

Our body reacts in different ways to stress that can have long-term consequences.

When you feel that you are under high levels of pressure, the nervous system instructs the body to release stress hormones, such as adrenaline and cortisol.

These substances can help us stay alert to certain threats and dangers around us. Actually, this should not be so bad but human beings activate this response when we feel attacked.

Once the stress goes down, your body regains balance and you can go back to tranquility again. However, stress can remain in our body more and more time to the extent of interfering with our daily activities.

Entering stress causes different symptoms in our most essential systems: for example, the respiratory system suffers the effect and this is reflected when it usually costs you to breathe more and you do it faster and faster.

For many people it may seem somewhat controllable, but if this person has asthma, it will surely be quite a torture to try to control their stress attack.

In the immune system the consequences are a release of cortisol that inhibits the system and inflammatory pathways. Thanks to this, the organism is more vulnerable to being a victim of chronic infections and inflammations.

The musculoskeletal system makes the muscles tense. If this tension remains for longer than it should, it can cause discomfort and pain in the body, in the shoulders, neck and head, in addition to provoking headaches and migraines of long duration or intensity.

And of course, the consequences of stress also affect heart rate and blood pressure. It is assumed that when the body returns to normal, the blood pressure would have to return to its natural state.

But when stress is chronic and dominates your daily life, it can lead to major damage to the arteries and heart, even to the point of raising blood glucose levels. We know that when this happens constantly, you run the risk of suffering from diabetes.

In short, to the side effects in other systems of the body, are the gastrointestinal disorders derived from stress is gastritis and stomach reflux, which increase when eating habits are changed by not eating at the time or by changing the healthy diet by fatty or sweet foods.

This can translate into constant stomach pains, diarrhea, constipation and swelling, which can be very uncomfortable for those who suffer.

Take your five minutes Credifiel or give yourself some time to plan your tasks and manage your emotions can help you improve your quality of life and with it, your finances.

If you have a good economic planning of your expenses per month you will avoid going into a constant stress that may come out more expensive.

Minimum contribution to health insurance: Relief for the self-employed?

With the new grand coalition (GroKo), the statutory health insurance for many self-employed will be cheaper in the future. For Union and SPD plan to reduce the minimum contribution to health insurance. This would pay off especially for self-employed with low income. But opposition and trade associations are criticizing the plans.

The minimum contribution to the statutory health insurance has been criticized for years. Because this amounts to the contributions to nursing insurance currently at least 422 euros per month . Such a sum, however, can shoulder only the least self-employed. This is one of the reasons why the contribution debts at the health insurance companies have totaled billions and in 2017 were more than six billion euros.

In particular, for solo self-employed and small business owners, the income is often not enough to spend month after month, almost half of them for health protection. Union and SPD want to relieve the self-employed in health insurance, however, soon.

Update 06. June 2018: Today, the Federal Cabinet approved the bill on the GKV-Insured Persons Relief Act (GKV-VEG). In addition to equal financing of health insurance contributions between employers and employees, this also provides for the adjustment of the minimum contribution, which is important for many self-employed. If the draft passes the Bundestag without any problems, the amendment will apply from 1 January 2019.

GroKo wants to lower the minimum assessment limit for the self-employed

The grand coalition has agreed in its coalition agreement to halve the minimum contribution to health insurance in the future , so that this included care contribution soon amounts to only about 210 euros per month. Because the minimum assessment basis for the health insurance contribution is to be reduced from currently just under 2,284 euros to 1,150 euros per month.

On the part of the statutory health insurance, there is approval for the GroKo project. Although the funds are estimated to be missing by the adjustment estimated 750 million euros annually, the GKV Spitzenverband welcomes the plans of the coalition partners. Thus, all social insurance costs should be based on the capacity of the insured, Florian Lanz of the association points out to the world. In addition, the original assumption for the minimum assessment limit, according to which self-employed are usually good earners, is now outdated, so Lanz.

Planned adjustments of the minimum contribution are not enough for critics

For the Association of Founders and Self-Employed in Germany eV, the planned reduction of the minimum contribution to health insurance is only a partial success. Although the association is satisfied that an adjustment is planned. However, he calls for a further reduction of the ceiling to a maximum of 450 euros , as is the case with employees. Otherwise, self-employed persons with an income between € 435 and € 1,150 would continue to pay considerably more than employees.

Since GroKo also provides for a pension obligation for the self-employed, the planned lowering of the minimum contribution to health insurance does not in the eyes of the association provide any relief.

How useful is private health insurance for the self-employed?

In the course of the high financial burden of the legal health insurance comes with many self-employed the question whether a private security for them would be the cheaper alternative. Since the contributions for private health insurance (PHI) are not based on income, but primarily on the benefits, the age and state of health of the insured , there is no fixed minimum contribution. Especially young and healthy people, who do not want special extras, can often afford cheap private health insurance.

However, private health insurance premiums may increase with increasing age, as the health costs of insured persons generally increase. For self-employed persons who think about a private insurance, it makes sense to inform themselves about different tariffs with the help of an expert. With his support, interested people will find the best personal offer for them.


Is fasting good or bad for health?

Fasting: Not Good for your Health

“When a man has nothing to eat, fast is the most reasonable thing he can do.” Buddha

It seems that fasting is fashionable, but in reality it is not something current. Those who have lived difficult times know perfectly what involuntary fasting is, and believers of different religions practice it, from Catholics with fasting and Lenten abstinence, to Muslims in the month of Ramadan.

But, regardless of religious issues, is it good to fast as a diet? As in almost everything, it depends. The fundamental thing is that any diet (including fasting or not) has to be supervised by a doctor or nutritionist , if you do not want to have health problems. It will be good to have a medical insurance that allows you to choose a specialist, since you may not like the one that is your default.

There are several diets related to fasting. The main one is intermittent fasting or IF (Intermittent Fasting), which dictates various guidelines for alternating periods of fasting (or a drastic caloric reduction) with periods of food ingestion. It has defenders who claim that it allows the digestive system to rest, purify the liver or even improve cardiovascular health. But it also has its “dark side”.




Resulta ng larawan para sa fasting

Ana did not notice any of those supposed benefits , on the contrary. She decided to try this diet following the 8/16 rule , because she had seen it on the Internet. It is about making 2 meals a day every 8 hours and fasting 16 hours. So on Monday, his first day, he did not have breakfast and went straight to work.

Ana is commercial and has many meetings with clients that force her to move. It was one of the longest mornings of his life. I was starving, I kept thinking about two o’clock in the afternoon to eat and at times she felt weak. At lunchtime he pounced on the plates, and although he did not eat too much, they were quite nutritious foods. The feeling of embarrassment after a while was remarkable.

Heavy digestion and some drowsiness accompanied him all afternoon but it did not take him long to wait until 10 o’clock at night for dinner, it was his usual time. He prepared grilled chicken with vegetables and fruit for dessert. When he went to bed he felt good, without hunger, although it cost him enough sleep .

The worst thing was again on Tuesday morning, knowing that he could not eat anything and that until two o’clock he would not taste a bite … the only positive thing is that he arrived earlier at work for not investing time in breakfast. Of course, not to mention approaching colleagues in the office at coffee time with a stomach roaring hungry.

In the middle of the morning the headache was added to the hunger . It was hard for her to concentrate on something other than what she was going to eat later and was in a bad mood. Luckily I did not have meetings outside the office. When it was time for lunch, I was very hungry again. He ate a lot, too much, and in the afternoon his productivity at work was almost nil. Headache, drowsiness and heavy digestion … bad combination to work and almost for anything! He arrived at dinner without hunger or desire for anything. I just wanted to go to bed, but thinking that it would be 16 hours before eating again, I ended up having a light dinner.

On Wednesday morning, something better got up, but she decided that intermittent fasting was not for her . He had just begun the third day of diet but his decision was firm: he had breakfast as usual and that same morning he called to make an appointment with a nutritionist near his house.

The nutritionist spoke with her, asked about her eating habits and day-to-day, her medical history, etc. and asked him to do some simple medical tests to find out what his condition and situation really was. Then he prepared a balanced diet according to his goals and lifestyle. He gave several very useful tips:

  • Diets always have to be personalized and supervised by a specialist
  • They have to be realistic , both for the objectives that are to be achieved, and the way to reach them, so that they remain in time.
  • It is not about “dieting,” but about changing eating habits and harmful lifestyles to adopt those that are healthy in the long term.

Fasting does not help to keep a healthy diet and its benefits are not proven so far . The body does not need to detoxify, it is enough to reduce processed foods and empty calories and eat in a balanced way, with the right amounts of nutrients according to your constitution and personal needs, together with physical activity according to your situation.