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"It's not enough to support my son and wife," he said, locking his old bicycle outside the Labor office in Berlin-Mitte, where he was going to apply for supplementary state aid.
We invite current sophomores and juniors to apply for supplementary financial assistance for selected unpaid or low-paid opportunities on this list.
Only a minority of health insurers uses health questionnaires when people apply for supplementary coverage.
About 1 out of 10 health insurers uses more stringent underwriting practices for people who only apply for supplementary insurance.
An effective way to identify unfavorable risk groups is the use of health questionnaires when people apply for supplementary health insurance.
In sum, insurers have made it highly unattractive, if not impossible, to apply for supplementary health insurance without applying for basic health insurance as well.
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The low proportion of high-risk individuals applying for supplementary health insurance reduces the usefulness of medical underwriting as a selection device.
Second, over the same period (2006 2009), we used an annual survey among about 1,700 2,100 respondents to investigate reasons for (not) switching to another health insurer for basic and/or supplementary insurance and to find out whether or not consumers faced obstacles or restrictions when applying for supplementary health insurance.
However, this low proportion can be misleading, since only a limited number of people actually apply for an (other) supplementary insurance contract.
Our findings demonstrate that many high-risk individuals do not (consider to) switch because they believe that they will not be accepted when applying for another supplementary insurance contract, despite only a minority of the health insurers actually seem to do so.
Primary antibodies were diluted to the optimized concentrations and applied for 90 min (Supplementary Table S1).
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com