New Contract of Insurances

A new contract of insurance issued by MA was founded in December 2008. Like insurance contracts for vehicles and the principle of bonus-malus, MMA uncovers new contract based on medical reimbursements.
The principle is simple: At first, the annual fee is increased by 15%. Then, if you do not have medical expenses throughout the year, the insurance company will reimburse you half of your annual subscription. It is obvious that the less you use the insurance, the more you earn money by year end.
This agreement aims to reduce the huge deficit in the primary fund health insurance.

Consider an example: If you sign such a contract and you pay 300 euros in annual premium, you will pay 345 euros now. At the end of the year, if you have never received reimbursement of medical expenses, MMA will refund you half of 345 euros, that is to say 172.50 euros. In fact you will gain from an insurance contract simply the sum of 127.50 euros (172,50-45,00). It is obvious that the less you will receive refund, plus the insurance company will reimburse you. In the event that your reimbursements of medical expenses exceed the amount of the premium, you pay 15% surcharge for anything.

The insurance company decides to MMA, with this revolutionary new contract and interesting target a certain group of individuals. Indeed, the underwriting of such contract is intended rather to single people without children, and most importantly, healthy, preferably young, do not ever attending dentists or opticians.

How to Get Full Repayment from Banks Chargeback

December 19, 2008 by · Leave a Comment
Filed under: Personal Loans 

Firstly, it seemed important to emphasize a key point before considering moving to repay your bank charges. “Bank charges are unfortunately a recurring problem in France. I ask the French Government to act decisively and take toutesles measures to encourage banks to improve treatment desdétenteurs accounts … ” This text is contained in a report by Robert Rochefort, the MEP Democratic Movement, addressed to Meglena Kuneva, European Commissioner encharge the right consumer. In short, France is the worst student in the European Union on
subject.
Indeed, pricing such as cost account analysis, the costs of rejection regards as needing to check or other benefits are very difficult to justify your banker in the report: Cost of service / work done for the benefit.
Why?
Simply because this type of transaction is processed automatically by computer most of the time!
How is it possible to apply a tariff to be charged to the customer when the service is managed by a computer system where the hand of man (or woman) is virtually absent?
For example: The cost of taking unpaid notice priced € 20 a
large national bank requires human intervention.

What is the work of the provider:
1. Edit Document
2. Printing of the mail envelope + postage stamp
3. The postal service is responsible for getting mail and send to
recipients.
Working time: about 2 minutes
If we reduce this benefit at an hourly rate: 600 € / hour!
Do you understand why the banker is rarely an appointment with his
client to seek a different solution than you pay desfrais bank?
Simply because customers are VIPs expense of its branch at 600 € per hour for one benefit!

We will simply use the latter for 98%
cases the partial or full refund your bank charges.
In the remainder of this document, I will provide a method in 4 steps
simple and effective allowing you to act in a strong position to meet your
adviser without offending your relations. You can also visit a great blog to find effective alternatives:

Step 1: Labor Preparation

It is very important to demonstrate that you manage your accounts with
thoroughness and nothing you échappe.Pour that, back in time on your records as long as you want. You can even go to the opening date of your bank account.
Tap any unusual charges: Account Analysis, Chargeback
levy fees exceeded overdraft, etc …. Is then added to these costs. This work will allow you to ask your banker to justify the practical work he has done for you for that amount.
Going back several years, you’ll find that the total amount, in some cases, is absolutely gigantic. We could call this type of expense, income “passive” to your bank as working time required to generate the revenue account is sometimes within seconds of electronic impulses!
Remember that bankers hate to talk about these “hidden” costs and
prefer to negotiate rather than having to explain their amount.
Generally, they defend themselves primarily behind their pricing scheme
Banking and remind you that you receive to your home each year.
For your information, you can challenge each new grid
tariff by registered letter return receipt and ask to keep the
pricing of the previous year.
Do not worry. The fact that you argue that “if you have fresh, is that
you do not cover your commitments and you have knowledge of
pricing in this case! “Is a selling point!
Do not be put off their gate fee. You are equipped to negotiate
Adopt an attitude diplomat.

2nd stage: Taking action

Make an appointment with the agency director
Why the agency director?
Simply because it is the only person with powers of décisiondans this case. If you speak directly with your conseiller clientèle, it will ask you to return to meet with management.
In addition, this person is, in most cases, one with the most
seniority, then we advise clients to change very frequently.
Why this situation?
The reason is simple: a bank is a business like any other. Chaqueemployé aspires to grow professionally (which is totally legitimate!) Etnotre European mentality prevents us from agreeing to become the chief sonchef. Therefore, the change of job in banking faitpartie activity if we want to achieve the position it covets.
On average, we advise changing every 2 to 3 years.