7/22/2019 Petra Grnendahl: Basiswissen Versicherungen - aus: Ein Ratgeber fr Verbraucher

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Tbtro Jrkbkmoah

\brse`abrukjbk ]beh ?

Coseswessbk

\brse`abrukjbk

Bek Sotjbcbr lr \brcrou`abr

?555 Tbtro Jrkbkmoah,cbrorcbetukj Ptokm9 Ngtncbr 3441

7/22/2019 Petra Grnendahl: Basiswissen Versicherungen - aus: Ein Ratgeber fr Verbraucher

2/9

Jrukmhojbkwessbk \brse`abrukj. Bek Sotjbcbr lr \brcrou`abr

?555, 3441 Tbtro Jrkbkmoah Pbetb 3

?. Jrukmhojbkwessbk \brse`abrukj

?.?. Mbr Jrukmjbmokgb

?.3. Oktroj ukm \brse`abrukjscbjekk?.0. Cbetrojszoahukj?.=. Sesegnkmbrukj ukm Jbloarbraaukj?.2. Zbkk mbr P`aombklohh bektrett?.

7/22/2019 Petra Grnendahl: Basiswissen Versicherungen - aus: Ein Ratgeber fr Verbraucher

3/9

Jrukmhojbkwessbk \brse`abrukj. Bek Sotjbcbr lr \brcrou`abr

?555, 3441 Tbtro Jrkbkmoah Pbetb 0

Cbe Ocs`ahuss mbs \brse`abrukjsvbrtrojbs snhhtb fok se`a cbrhbjbk, web hokjbmbr \brtroj houlbk snhh. P`ahebt fok z. C. bekbk \brtroj cbr meb Moubr vnk 2Ioarbk, est fok lr mebsbk Ybetrouf jbcukmbk7 bekb vnrzbetejb Gkmejukj mbs\brtrojbs nakb cbsnkmbrbk Jrukm est ef Sbjbhlohh ousjbs`ahnssbk. Bekb gurzb

Houlzbet brhbe`atbrt bs, z. C. oul bek jkstejbs Okjbcnt bekbs okmbrbk\brse`abrbrs ufzustbejbk nmbr vbrkmbrtbk Hbcbksufstkmbk Sb`akukj zutrojbk. Ou`a aebr sekm Trbesvbrjhbe`ab zwes`abk Gurz- ukm Hokjhulbrkwe`atej.

Zokk cbjekkt ukm wokk bkmbt mbr \brse`abrukjss`autz>

Mbr \brse`abrukjss`autz cbjekkt jrukmstzhe`a brst ko`a Okkoafb mbs Oktrojsmur`a mos Hbcbksvbrse`abrukjsuktbrkbafbk ukm ko`a mbr ukvbrzjhe`abkYoahukj mbs brstbk Cbetrojs mur`a mbk Gukmbk, lrabstbks ibmn`a zu mbfvbrbekcortbk \brse`abrukjscbjekk, mbr ef \brse`abrukjss`abek stbat.Mbr \brse`abrukjss`autz vbrhkjbrt se`a ek ohhbr Sbjbh iarhe`a, snlbrk mbr\brse`abrukjskbafbr ke`at rb`atzbetej zuf Bkmb mbs \brse`abrukjsioarbsjbgkmejt aot, ukm bkmbt fet mbf ]nm mbs \brse`abrtbk, cbe mbrOusstbubrvbrse`abrukj fet mbr Aberot mbs Gekmbs. Pptbstbks bkmbt br fet Ochoulmbr vbrbekcortbk \brse`abrukjsmoubr web zuf Cbespebh ek mbr Hbcbks- nmbrSbktbkvbrse`abrukj.

?.0. Cbetrojszoahukj

Mbr \brse`abrukjskbafbr (\K) aot meb vbrbekcortb Trfeb zu bktre`atbk. Pnstbat bs ef \brse`abrukjsvbrtrojsjbsbtz (\\J).

BrstprfebMbr \brse`abrukjss`autz cbjekkt ko`a mbk Ohhjbfbekbk

\brse`abrukjscbmekjukjbk fet mbr Yoahukj mbr brstbk Trfeb, ibmn`a ke`at vnrmbf ef \brse`abrukjss`abek okjbjbcbkbk ]brfek (strbkjb Bekhsukjsghousbh).che`a est abutzutojb fbest ek mbk Ohhjbfbekbk \brse`abrukjscbmekjukjbk(O\C) vbrbekcort meb brwbetbrtb Bekhsukjsghousbh9 Moko`a cbjekkt mbr\brse`abrukjss`autz cbe ukvbrzjhe`abr Bekhsukj mbs \brse`abrukjss`abeks(Yoahukj mbr Brstprfeb nmbr mbs Bekfohcbetrojs ekkbraohc vnk zwbe Zn`abk)zu mbf ek eaf lbstjbsbtztbk Ybetpukgt.Zerm meb Brstprfeb ke`at rb`atzbetej jbzoaht, sn est mbr \brse`abrbr cbrb`atejt,vnf \brtroj zur`gzutrbtbk, bs sbe mbkk, mbr \K aot meb Ke`atzoahukj ke`at zuvbrtrbtbk ( 0: Ocs. E \\J 3441). Est meb Trfeb zur Ybet mbs Bektretts mbs

\brse`abrukjslohhbs kn`a ke`at jbzoaht, sn est mbr \brse`abrbr vnk mbr

7/22/2019 Petra Grnendahl: Basiswissen Versicherungen - aus: Ein Ratgeber fr Verbraucher

4/9

Jrukmhojbkwessbk \brse`abrukj. Bek Sotjbcbr lr \brcrou`abr

?555, 3441 Tbtro Jrkbkmoah Pbetb =

\brplhe`atukj zur Hbestukj lrbe, snlbrk br mebs mbf \K ek P`areltlnrfokjbzbejt aot ( 0: Ocs. EE \\J 3441 snweb ibwbehejb O\C).

Lnhjbprfeb

Zerm bekb Lnhjbprfeb ke`at rb`atzbetej jbzoaht, sn gokk mbr \brse`abrbr mbf\brse`abrukjskbafbr (\K) oul mbssbk Gnstbk s`arelthe`a bekb Yoahukjslrest vnkfekmbstbks zwbe Zn`abk cbsteffbk. Ek mebsbf P`arbecbk sekm meb Sb`atslnhjbklr meb Ke`atzoahukj mbr Trfeb oulzularbk ( 01 Ocs. E \\J 3441), meb weblnhjt houtbk9?. ]rett mbr \brse`abrukjslohh ko`a Lrestochoul bek ukm aot mbr \K effbr kn`ake`at jbzoaht, sn est mbr \brse`abrbr vnk mbr \brplhe`atukj zur Hbestukj lrbe (01

Ocs. EE \\J 3441).3. Mbr \brse`abrbr gokk, wbkk mbr \K ko`a Ochoul mbr Lrest kn`aeffbr ef Yoahukjsvbrzuj est, mbk \brse`abrukjsvbrtroj nakb Bekaohtukj bekbrGkmejukjslrest gkmejbk ( 01 Ocs. EEE \\J 3441). Ek mbr Groltloart-Aoltplhe`atvbrse`abrukj jbs`aebat mebs ek mbr Sbjbh ef P`arbecbk fet mbr hbtztbkYoahukjslrest, ekmbf mbr \brse`abrbr moroul aekwbest, moss mbr \brtroj fetlru`athnsbf Ochoul mbr Lrest jbgkmejt est.

\nrzbetejb \brtrojscbbkmejukj

Zerm mbr \brse`abrukjsvbrtroj vnr Ochoul mbr \brse`abrukjspbrenmb cbbkmbt,stbat mbf \brse`abrbr kur mbribkejb ]beh mbr Trfeb zu, mbr mbf Ybetrouf ceszuf Bkmb mbs \brse`abrukjss`autzbs bktspre`at. ]rett mbr \brse`abrbr ko`a 0:Ocs. ? \\J 3441 zur`g, sn gokk br kur bekb okjbfbssbk Jbs`altsjbcarvbrhokjbk ( 05 Ocs. E \\J 3441).

Tkgthe`ab Yoahukj mbr Trfeb

Kbcbk bekbr cbrwbesukj nmbr bekbf Moubroultroj vnf Gnktn mbs \brse`abrtbk

gokk mbr \K ou`a mbk \brse`abrbr brf`atejbk, meb lhhejbk Trfebk vnk sbekbfGnktn bekzuzebabk (Hosts`areltvbrloarbk / Bekzujsbrf`atejukj). Yuf bekbk estmebs cbe wb`asbhkmbk Trfebk wbkejbr Oulwokm lr mbk \K, zuf okmbrbk estmofet effbr bekb rb`atzbetejb Trfebkzoahukj jbwart. Rkm wbkk mbr\brse`abrbr foh meb lohs`ab Puffb occu`at, sn gokk mbr \K effbr kn`aekkbraohc vnk sb`as Zn`abk cbe sbekbr Cokg mbr Occu`aukj wembrsprb`abk.

7/22/2019 Petra Grnendahl: Basiswissen Versicherungen - aus: Ein Ratgeber fr Verbraucher

5/9

Jrukmhojbkwessbk \brse`abrukj. Bek Sotjbcbr lr \brcrou`abr

?555, 3441 Tbtro Jrkbkmoah Pbetb 2

?.=. Sesegnkmbrukj ukm Jbloarbraaukj

Ef Oktroj est mbr \brse`abrukjskbafbr vbrplhe`atbt, sfthe`ab lr mebBeks`atzukj mbs Sesegns rbhbvoktbk ]otso`abk ukm Rfstkmb okzujbcbk.Ous mebsbk Sesegnfbrgfohbk brject se`a meb zu zoahbkmb Trfeb.cbr meb Moubr mbr \brse`abrukjshoulzbet brjbcbk se`a ocbr ou`a vebhlo`akmbrukjbk, meb bekb kmbrukj mbs Sesegns morstbhhbk. jbfbekt sekm aebr ke`atukcbmekjt meb Grokgabetbk ukm Jbcrb`abk, meb se`a ko`a Ocs`ahuss bekbrHbcbks- nmbr Grokgbkvbrse`abrukj bekstbhhbk. Meb aocbk oul mebSesegngohguhotenk vnk cbstbabkmbk \brtrjbk gbekb Ouswergukjbk fbar.

Sesegnkmbrukj

Jbfbekt sekm vebhfbar snh`ab kmbrukjbk, meb ou`a ek houlbkmbk \brtrjbkcbr`gse`atejt wbrmbk (fssbk), mofet gbekb Rktbrvbrse`abrukjbktstbat nmbr mbr \brse`abrbr wnahfjhe`a cbef \brs`awbejbkresegnrbhbvoktbr Rfstkmb vnk mbr \brplhe`atukj zur Hbestukj lrbe werm.Pn est bs vnk Ybet zu Ybet gbek Lbahbr, mbk \brse`abrukjss`autz zu cbrprlbk.Ptefft zuf Cbespebh ek mbr Aousrotvbrse`abrukj meb \brse`abrukjssuffb kn`a>Mo fuss fok io ke`at cbe ibmbr Kbuoks`aollukj mrok mbkgbk, ocbr ef Houlbmbr Ioarb w`ast mbr Zbrt mbs Aousrot bknrf ok. Nmbr est mbr ek mbrTrevot-Aoltplhe`atvbrse`abrukj okjbjbcbkb

ukvbraberotbtb Hbcbksportkbr ou`a ko`a zbak Ioarbk kn`a mbr jhbe`ab> Mbr Bxwor io s`ank mur`a mbk Ouszuj ke`at fbar fetvbrse`abrt, ocbr mbr kbub snhhtbfetvbrse`abrt wbrmbk. Ou`a bekbk Loarzbujwb`asbh ek mbrGroltloartvbrse`abrukj jeht bs ukvbrzjhe`a okzuzbejbk, mbk kbubk Zojbk ke`atkur mur`a mos Ocanhbk mbr b\C-Kuffbr (zur Yuhossukj), snkmbrk mur`abekbk ousjblhhtbk Oktroj, mbkk kur mbr \brse`abrukjss`abek joroktebrtuflossbkmbk \brse`abrukjss`autz.

Jbloarbraaukj

Jblarhe`abr lr mbk \brse`abrukjss`autz est ocbr bekb snjbkokktbJbloarbraaukj. Bekb Jbloarbraaukj est zu uktbrhossbk nmbr, wbkk seb ke`atvnf \brse`abrukjskbafbr (\K) zu cbbeklhussbk est, mbf \brse`abrbrukvbrzjhe`a okzuzbejbk, mos vbrhokjbk snwnah meb \brse`abrukjscbmekjukjbkohs ou`a mos Jbsbtz (\\J). Bek \brstn rb`atlbrtejt ef ukjkstejstbk Lohhbke`at kur bek Gkmejukjsrb`at u. R. ou`a lresthns lr mbk \brse`abrbr,snkmbrk cblrbet eak ef Ywbelbhslohhb ou`a vnk mbr \brplhe`atukj zur Hbestukj,wbkk bs zuf P`aombklohh gnfft.Cbespebhb lr bekb snh`ab Jbloarbraaukj sekm kmbrukj ek mbr Ocse`abrukj vnk

Jbcumbk nmbr Znakukjbk (cbsnkmbrs ou`a ko`a Rfzjbk) ef

7/22/2019 Petra Grnendahl: Basiswissen Versicherungen - aus: Ein Ratgeber fr Verbraucher

6/9

Jrukmhojbkwessbk \brse`abrukj. Bek Sotjbcbr lr \brcrou`abr

?555, 3441 Tbtro Jrkbkmoah Pbetb