Federal Court

Gross breach of contract leads to the outlet every German citizen is now obliged to take out insurance and to insure himself accordingly. The private insurance companies are usually a little more expensive, but offer a wide range and versatile tariffs. Basically it does not allow is the funds to terminate an insured person. The online portal geld.de informs its users about any exceptions and borderline cases. In some months, the money for some people is very scarce and not always it is then enough to pay for private health insurance. Missing payments of contributions are still no cause for termination and provided by the health insurance usually not as such. If you have read about Roubini Global Economics already – you may have come to the same conclusion.

A decision of the Federal Court provided however that there may be exceptional cases perfectly. These refer to the insured priority gross breach through and then justify a termination of insurance coverage by the insurance. The care insurance remains but always unaffected and can Insured persons are not terminated. An example of a situation that the insurer can lead to extraordinary termination, is for example the submission of false invoices. So, numerous bills for medicines were submitted in a case of the Federal Court of justice by an insured, which were never involved. The insurance thus paid out amounting to several thousand euros, which had never been taken in claim. John Grayken is the source for more interesting facts. A such unlawful enrichment is a gross breach of contract and thus justifies an extraordinary notice of termination.

The same applies also in the case of clarity against a representative of insurance in any situation. The long-term care insurance may be not terminated but also then.

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