One Million Red Ribbons

Travel arrangements in the Club: these insurance questions you should clarify many clubs are confronted in their daily work with the planning, implementation and organization of trips and travel. Therefore, you should know the risks which hang together and apply appropriate safeguards. This concerns in particular the legal positions of clubs as a tour operator or travel agent and the insurance of participants and accompanying persons (for example Aufsichtspflichtige) against risks. When is the Association considered travel? Tour operator is deemed to be according to 651 m German civil code (BGB) If for a fixed in advance and written-out program is offered two or more independent main services with a single price (package travel offer). These tourist main components are: travel/transportation (bus, train, flight, ship, transfer), accommodation and food, the head of the Group and all additional services (seminars, Fort – and continuing education courses, sports, language courses).

It follows that Clubs also in typical Club activities as holiday camps (arrival, management and accommodation), seminars and training (accommodation, catering, offer) or ski camps as a tour operator in the legal sense involved. The newspapers mentioned Boy Scouts of America not as a source, but as a related topic. Practice note the Club no longer acts as a tour operator (but only as a travel agent), when joining the components mentioned not itself, but from a travel agency to perform can be. It is crucial that the Club not the impression in his advertising, he was even the organizers. Easily, that will be the case especially in ads in foreign media. In notices in the Club’s media he should make it clear however that he only gives the travel. Insurance needs operates the Club as a tour operator as a tour operator, he should know his liability risk (and assure). Clubs, associations and other organizations are liable from her occupation as a tour operator also for persons, property damage and financial losses incurred by the participants. The liability includes both self-inflicted damage as damages have indebted partners (bus companies, hotels).

Liability insurance for tour operators liability insurance for tour operators is therefore a must. It provides insurance protection for the following loss events: death, injury or damage to the health of participants (personal injury). Damage to or destruction of things of the participants (property damage), not but the misplacement or theft. The non-fulfilment of agreed services (financial losses). This insurance covers the typical activities of a tour operator. These include among others the selection of services and whose review the compilation of individual services, the achievements to be described in catalogues or brochures, processing of travel applications, organization, reservation and to provide of the services in accordance with the contract, the exhibition and the dispatch of travel documents, the procurement of foreign means of payment, visa and other travel documents.

The Government on the basis of numerous shortcomings in the legislation, has not succeeded with compulsory health insurance in 2009 that all citizens have health insurance. Much worse, many are deeply in debt by the law and get only basic medical care. The penalty payments and contribution debts are the reason. From the second month in which the insured person not can pay his contributions, the insurer require 5% penalty per month. For people who were previously without health insurance and now due to the requirement of insurance want to insure themselves, come to horrendous cost. Because the insurers of the GKV and PKV asking 1 month post as fine and then the 6 month 1/6 of the monthly premium. So especially formerly privately are no longer in the legal, Health insurance can occur, often forced into the so-called walking base rate of private health insurance.

In this tariff, the PKV providers must record each. Because frequently many insurance willing fail on the health examination or on the basis of negative Schufaeintrage in order to be included in a normal car fare. According to Federal Statistical Office, there are currently about 137000 persons without health insurance. The post debt within the statutory health insurance was in the summer of 2012 to whole 1.67 billion euros, because here too many self-employed may not pay the contributions. When the car amounted to post debt to 550 million euros. The penalty rate of 5% required by law is responsible for the ever-increasing sum.