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BaFin is to commission for private health insurance broker insurance limit

According to the Handelsblatt, BaFin commissions to the agents of private health insurance limit. Ca. half of the private health insurance new business attributable to poaching. The private health insurer seem to price gouging, caused by excessive fees, not even to get a grip and now call the state for help to regulate.

The guards are to change the rules in the private health insurance (PHI) so that expensive business at the expense of the customers are driven back strongly in the future. From the PHI Association for the BaFin contacts no confirmation was received on. A spokesman said only that the subject solicitation and commission level would be discussed in principle within the industry, but there have been no decisions.

currently receive as much as 12 insurance brokers in the forefront even up to 18 times monthly commission when they refer a new customer. The cancellation of liability in private health insurance is only 2 years. (Compared to life insurance 5 years). For the insurance broker is a good and profitable business. The

should now be stopped because, ultimately, the receipt, the customer always pays. Thus, for example, limits the amount of commission (max. 8-12 months contributions) and a prolonged Cancellation liability for the mediating agent in conversation. This is to prevent a faster and courtship by the broker, and hold the promoters of which the customer is not the best for them, but to recommend the best coated product. Thus there are also insurance companies that pay monthly premiums up to 3.5.

try using more and higher commission incentives, some health insurance companies to acquire new customers to buy . At the risk of that agent are not geared primarily to the interests of customers, but provide the product that brings the highest commission. As private health insurance is designed to be very complicated and many customers do not understand the details, You can rely on intermediaries to the final selection. They used their strong position in the sales process then often in their favor, and consumer advocates criticize independent brokers.

It is worthwhile in any case, the compare health insurance and speak with the broker, on more favorable terms. The alternative of a direct insurer should be considered. There are numerous comparison service on the internet.

Info Source: Handelsblatt
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